Best Car Insurance in Hawaii for 2026

Based on MoneyGeek's 2026 rate analysis, GEICO averages $87/month for full coverage ($100,000 per person/$300,000 per accident/$100,000 for property damage, with a $1,000 deductible), the cheapest among the five carriers and about 29% below the state average of $123/month. Minimum coverage averages $32/month, also the cheapest. 

Because every insurer in Hawaii uses the same limited set of factors to set prices, GEICO's low rates apply to most drivers with clean records, not just one specific type of person. The exception is drivers with a violation. GEICO's rates go up more sharply than some competitors after an at-fault accident or OVUII conviction, so drivers with a recent violation should get quotes from multiple carriers before assuming GEICO is still the cheapest.

GEICO's complaint rate in Hawaii is below the national average. The NAIC measures this as a ratio of complaints to total policies, and GEICO's ratio is lower than most competitors in Hawaii. AM Best, an independent rating agency that grades insurance companies on their financial health, gives GEICO an A++ (Superior), the highest possible grade, meaning GEICO is considered very likely to be able to pay your claims. Customer reviews across multiple websites consistently rate GEICO's claims process and online tools favorably.

GEICO's coverage score of 2.50/5 reflects fewer optional coverages in Hawaii compared to Farmers and Progressive. GEICO offers all the basic required coverages in Hawaii: bodily injury liability, property damage liability, PIP, comprehensive, collision and uninsured motorist coverage (pays your bills if the driver who hits you has no insurance). 

Roadside assistance and rental reimbursement are also available. Rideshare coverage, new car replacement and gap insurance aren't offered by GEICO in Hawaii. Drivers who need a full-featured policy should look at Farmers or Progressive.

At $90/month for full coverage, Farmers costs $3 more than GEICO. For most drivers, that difference is easy to overlook, but the gap is bigger for minimum coverage. Farmers charges $46/month compared to GEICO's $32, which is $14 more per month, or $168 more per year, for drivers who can only afford the minimum legal coverage. 

For most driver types, including adults with clean records, seniors and young drivers, Farmers' rates stay competitive and the $3 full coverage difference from GEICO doesn't grow much. After a DUI or at-fault accident, Farmers adds a penalty to your rate that's about average for the market. It doesn't come in lower the way GEICO does on DUI rates.

Farmers has the lowest customer experience score among the top five Hawaii carriers at 3.33/5, along with the highest complaint rate. Farmers received more customer complaints in Hawaii than average for its size. The NAIC complaint index data for Hawaii personal auto shows Farmers' complaint ratio is above the national median. 

AM Best gives Farmers an A (Excellent), so it's considered financially stable and able to pay claims. Customer reviews across multiple websites are mixed, with some customers noting that claims took longer than expected to pay out.

Farmers earns a 5/5 coverage score in Hawaii, the highest of any carrier we ranked. Farmers offers all the standard Hawaii coverages: bodily injury and property damage liability, PIP, comprehensive, collision, and uninsured motorist. Optional coverages include accident forgiveness, new car replacement, rideshare coverage, gap insurance and custom parts coverage. 

Farmers is the only carrier in our top five offering new car replacement in Hawaii. Farmers' new car replacement pays to replace your totaled car with a new one at today's price. Gap insurance, by contrast, only pays the difference between what your car was worth at the time of the crash and what you still owe on your loan, so if your car is totaled shortly after you buy it, new car replacement gives you more than gap insurance alone. 

For drivers paying off a car loan or leasing a car, having new car replacement instead of gap insurance alone gives you more protection.

Progressive averages $150/month for full coverage ($100,000 per person/$300,000 per accident/$100,000 for property damage, with a $1,000 deductible) in Hawaii, the second highest among the five carriers and $63 more per month than GEICO. Minimum coverage averages $61/month. Progressive's Snapshot program, which tracks your driving habits and lowers your rate if you drive safely, is available in Hawaii. 

Hawaii law limits how much a company can use driving behavior to change your rate, so the discount is smaller here than in other states. Drivers with a violation often find Progressive's rate increase is smaller than competitors'. That lowers the price difference between Progressive's higher base price and what other carriers charge after the same violation.

No other carrier in Hawaii received fewer complaints per policyholder than Progressive. The NAIC measures this as a ratio of complaints to total policies, and Progressive's ratio is the lowest among the five carriers we ranked. 

AM Best, an independent rating agency that grades insurance companies on their financial health, gives Progressive an A+ (Superior), meaning Progressive is considered very financially stable and able to pay your claims. Customer reviews across multiple websites consistently rate Progressive's online claims process and policy management tools highly.

Progressive earns a 4.78/5 coverage score in Hawaii, second only to Farmers. Progressive offers all standard Hawaii coverages: PIP, comprehensive, collision, bodily injury and property damage liability, and uninsured motorist. It also offers rideshare coverage, gap insurance, custom parts coverage, accident forgiveness and roadside assistance. New car replacement isn't available from Progressive in Hawaii. 

Drivers paying off a car loan should consider Farmers, the only top-five carrier that offers new car replacement in the state. Progressive's Snapshot program is available in Hawaii, though the discount it provides is smaller here than in other states because Hawaii limits how much insurers can use driving behavior to set rates.

State Farm averages $158/month for full coverage ($100,000 per person/$300,000 per accident/$100,000 for property damage, with a $1,000 deductible) in Hawaii, the highest among the five carriers and $71 more per month ($852/year) than GEICO. Minimum coverage averages $67/month, also the most expensive among the five. In most states, insurers can use your age, credit score or other personal information to offer lower rates to certain types of drivers. 

In Hawaii, every insurer uses the same limited factors, so no carrier has that advantage. State Farm's higher rates reflect how the company operates, not any deliberate effort to charge certain drivers more. Drivers with clean records who value the State Farm agent experience will need to decide whether that $71/month, $852/year, is worth it over GEICO.

With a 4.67/5 customer experience score, State Farm stands out in Hawaii for one specific reason: an agent network that reaches all four main islands. State Farm's complaint rate in Hawaii is below average, meaning it received fewer complaints per customer than the typical insurer. 

AM Best, an independent rating agency that grades insurance companies on their financial health, gives State Farm an A++ (Superior), the highest possible grade, meaning State Farm is considered very likely to be able to pay your claims. State Farm's agent network across Oahu, Maui, the Big Island and Kauai provides in-person claims support that most competitors can't match in Hawaii.

State Farm earns a 2.50/5 coverage score in Hawaii, tied with GEICO for the lowest among the top five. State Farm doesn't offer rideshare coverage, gap insurance or new car replacement in Hawaii. All standard coverages are available: bodily injury and property damage liability,  PIP, comprehensive, collision and uninsured motorist. Roadside assistance and rental reimbursement are offered. Drivers who need a broad selection of optional coverages should look at Farmers or Progressive.

Allstate averages $129/month for full coverage ($100,000 per person/$300,000 per accident/$100,000 for property damage, with a $1,000 deductible) in Hawaii, the third lowest among the five carriers, behind GEICO ($87) and Farmers ($90). Minimum coverage averages $50/month. Allstate's affordability score of 3.41/5 reflects rates that are lower than Progressive and State Farm but still higher than GEICO and Farmers. 

Allstate's Drivewise program tracks how you drive using your phone and lowers your rate if you drive safely or don't drive much. The discount is smaller here than in other states because Hawaii limits how much insurers can use driving behavior to set rates.

At 3.87/5, Allstate's customer experience score is fourth among the five carriers, above Farmers but below the rest. Allstate's complaint rate in Hawaii is about average, meaning it received roughly as many complaints as you'd expect for a company its size. AM Best, an independent rating agency that grades insurance companies on their financial health, gives Allstate an A+ (Superior), meaning Allstate is considered very financially stable and able to pay your claims. Customer reviews across multiple websites are mixed, with some customers reporting that claim payments took longer than expected.

Allstate earns a 3.91/5 coverage score in Hawaii, the third highest among the five carriers. Standard coverages are all available: bodily injury and property damage liability, PIP, comprehensive, collision and uninsured motorist. Optional coverages include accident forgiveness, rideshare coverage, roadside assistance and rental reimbursement. 

Gap insurance and new car replacement aren't available from Allstate in Hawaii. If you're paying off a car loan and your car is totaled, your insurance pays what the car was worth at the time, not the full amount you still owe to the bank. The difference between what the car was worth and what you owe the bank can be thousands of dollars on a newer car. Allstate's Sound Signal and Drivewise programs are both available in Hawaii, giving Allstate more rate-reduction options than GEICO or State Farm offer in the state.