The Best Car Insurance in Hawaii

GEICO is our top pick for Hawaii drivers. The company earns perfect affordability scores (5/5) with the lowest monthly premiums at $45. The digital claims tools and 24/7 support handle routine insurance needs efficiently. For drivers seeking reliable coverage at budget-friendly rates, GEICO beats competitors across six driver categories.

GEICO offers the lowest rates in Hawaii with full coverage at $66 monthly and minimum coverage at $24 monthly. Adult drivers and seniors both pay $66 monthly. Drivers with newer cars pay $72 monthly and low-income drivers pay $84 monthly.

GEICO provides a 15% discount for military families. Multi-policy bundling and good driver discounts add savings. Paperless billing and automatic payment options reduce premiums further for tech-savvy drivers.

GEICO's customer experience in Hawaii ranks fourth among major insurers. The mobile app handles claims filing, photo uploads and policy management efficiently. The 24/7 online tools work well for drivers comfortable with self-service options. Phone wait times run longer than agent-based insurers, though digital capabilities compensate for tech-savvy drivers.

GEICO offers standard coverage options in Hawaii including liability, collision and comprehensive protection. The company provides mechanical breakdown coverage for newer vehicles and emergency roadside assistance. Coverage customization is limited compared to competitors. You get the essentials without extensive specialty options. Drivers seeking pet injury coverage or extensive add-ons will need to look elsewhere.

Island ranks second for Hawaii drivers and leads for young drivers and those with violations. The company earns a 4.9 out of 5 customer experience rating with solid 4.1 coverage scores. Young drivers pay $80 monthly and drivers with accidents pay $107 monthly. The local Hawaii expertise provides personalized attention for island-specific challenges.

Island charges competitive rates in Hawaii with full coverage at $80 monthly and minimum coverage at $33 monthly. Young drivers pay $80 monthly, drivers with accidents pay $107 monthly and those with speeding tickets pay $87 monthly. The local presence keeps costs reasonable for high-risk categories that face higher premiums elsewhere.

Island achieves a customer experience rating of 4.9 out of 5 in Hawaii, ranking second statewide. The local Hawaiian company provides personalized attention for island-specific challenges like weather-related claims and theft risks. Local agents understand Hawaii driving conditions and respond faster during claims. Digital policy management tools complement the personal touch of being Hawaii-based rather than a mainland operation.

Island provides comprehensive coverage including standard liability, collision and comprehensive protection with roadside assistance and rental reimbursement add-ons. Coverage flexibility lets Hawaii drivers customize policies for island-specific risks like hurricane damage, volcanic ash and urban theft. The local expertise helps navigate Hawaii's unique environment, from weather-related damage to coverage needs for inter-island travel. Competitive deductible options address the higher costs of vehicle repairs in Hawaii's isolated market.

Progressive ranks fifth for Hawaii drivers but leads for those with DUI or bad credit. The company achieves a perfect 5.0 customer experience rating and ranks second in coverage options (4.8/5). Drivers with DUI pay $190 monthly and those with bad credit pay $213 monthly. The Snapshot telematics program and Name Your Price tool provide rate control for high-risk drivers.

Progressive charges $112 monthly for full coverage and $47 for minimum coverage in Hawaii. Drivers with DUI pay $190 monthly and those with bad credit pay $213 monthly, both competitive for high-risk categories.

Progressive bundles policies for up to 25% savings. The Snapshot safe driving program monitors habits and rewards good behavior with rate cuts. Paperless billing and automatic payment options add small additional savings.

Progressive achieves the top customer experience ranking in Hawaii with a perfect 5.0 score. The mobile app allows same-day claims decisions, photo uploads and policy management without requiring adjuster calls. The 24/7 support and concierge claims service handle Hawaii's unique challenges like tsunami damage and volcanic ash claims. Digital tools and local partnerships speed resolution during natural disaster claim surges.

Progressive offers extensive coverage beyond standard protection, including pet injury coverage, custom parts coverage, gap insurance and emergency roadside assistance. Flexibility lets Hawaii drivers customize policies for island risks like flood damage and high-risk area theft. The comprehensive options address volcanic activity, tropical storms and remote location towing needs. Rideshare coverage benefits Hawaii's gig economy drivers in tourist areas like Honolulu and Maui.