GEICO leads Hawaii with the lowest rates, charging $24 monthly for minimum coverage and $66 for full coverage. Drivers save $17 monthly (27%) compared to state averages. Get quotes from Farmers, Island Insurance, State Farm and Allstate too.
Cheapest Car Insurance in Hawaii
Updated: September 2, 2025
Advertising & Editorial Disclosure
Key Takeaways
GEICO, Farmers and Island Insurance are the cheapest car insurance companies for most Hawaii drivers, with average savings of up to 27%.
Car insurance costs in Hawaii start at $20 monthly for minimum coverage and $66 for full coverage policies on average.
To find affordable coverage, research average costs and top companies, use discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Hawaii?
| Geico | $24 | $66 | -27% |
| Farmers | $35 | $72 | -13% |
| Island Insurance | $33 | $80 | -8% |
| State Farm | $37 | $87 | 1% |
| Allstate | $41 | $104 | 18% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
Best Car Insurance Rates by Category in Hawaii
GEICO offers the most affordable rates in Hawaii, ranking cheapest in nine out of our 10 driver categories, while State Farm provides competitive rates and wins the remaining category for drivers with a DUI. Find your specific rates in the table:
| Young Drivers | Geico | $26 |
| Adult Drivers | Geico | $24 |
| Senior Drivers | Geico | $24 |
| Drivers With An Accident | Geico | $35 |
| Drivers With A DUI | State Farm | $41 |
| Drivers With A Speeding Ticket | Geico | $24 |
| Drivers With Bad Credit | Geico | $47 |
| Drivers With Low Income | Geico | $31 |
| Drivers With Newer Cars | Geico | $27 |
| Drivers With Old Cars | Geico | $20 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Hawaii for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, GEICO offers the lowest rates at $147 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Geico | $147 | $1,765 | -27% |
| Farmers | $157 | $1,885 | -22% |
| Allstate | $205 | $2,460 | 1% |
| State Farm | $237 | $2,842 | 17% |
| Progressive | $267 | $3,201 | 32% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Hawaii by City
Where you live in Hawaii affects your insurance costs based on local crime, accidents and traffic density. GEICO charges as little as $21 in Anahola but costs $30 in Laupahoehoe. Here are the cheapest providers for every Hawaii city:
Data filtered by:Results filtered by:
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City:Anahola
| Anahola | Geico | $21 | -24% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
How to Get the Cheapest Car Insurance in Hawaii
Finding affordable car insurance in Hawaii takes more than just comparing rates from the cheapest companies. Here are proven strategies to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from several insurance companies through different channels. Check rates from independent agents, insurance websites and comparison tools since prices can vary significantly between sources.
- 2
Determine Your Coverage Needs
Choose the coverage you need based on your vehicle's value and your financial situation. This helps you avoid paying for unnecessary add-ons while ensuring you have enough protection.
- 3
Consider Lower Coverage Amounts
Reducing your coverage limits can lower your premium costs. First assess your financial situation, driving habits and where you live to ensure this choice aligns with your risk tolerance.
- 4
Research Costs and Discounts
Look up average auto insurance costs for drivers like you. Check available discounts and compare home and auto insurance bundle options to maximize your savings.
- 5
Look Into Alternative Insurance Options
Consider pay-per-mile car insurance if you drive infrequently. Telematics programs can also reduce your rates by tracking good driving habits. Check if your car manufacturer offers special insurance programs.
- 6
Improve Your Risk Profile
Work on your credit score and maintain a clean driving record. Better credit and safe driving habits lead to lower insurance rates across all providers.
- 7
Select a Cost-Effective Vehicle
If buying a car, choose a cheaper car to insure to reduce your premium costs. Older, reliable vehicles typically cost less to insure and repair.
Risks of Getting the Cheapest Car Insurance in Hawaii
Hawaii requires drivers to carry liability insurance with minimum coverage of 20/40/10, plus $10,000 in personal injury protection (PIP) coverage. This means you need $20,000 for injuries to one person, $40,000 total for injuries in one accident and $10,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Hawaii, average property damage claims hit $4,800 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Hawaii gets hit with unique environmental risks that damage cars regularly. Weather-related property damage averaged $5,200 per claim in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against storms, flooding and falling objects that frequently hit Hawaii.
Bodily injury damage is more likely to be higher than the minimum limits
Hawaii's minimum bodily injury coverage of $20,000 per person often isn't enough for serious accidents. Average bodily injury claims in Hawaii reached $18,500. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Hawaii has an uninsured driver problem, with 12% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs beyond your PIP coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Hawaii, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim costs $8,200, so adding comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Hawaii: Bottom Line
GEICO offers the lowest car insurance rates in Hawaii for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Hawaii: FAQ
Below we answer common questions about affordable car insurance options for Hawaii drivers.
What are the cheapest car insurance companies in Hawaii?
GEICO provides the most affordable car insurance in Hawaii, with average annual rates of $292 for minimum coverage and $787 for full coverage. Island Insurance, Farmers, State Farm and Allstate also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Hawaii?
GEICO provides the most affordable rates for young drivers in Hawaii, with monthly premiums starting at $26 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Hawaii?
Senior drivers in Hawaii can find the most competitive rates with GEICO, offering policies for those 65 and older at an average of $24 per month for minimum coverage.
Who has the cheapest car insurance in Hawaii for bad credit?
GEICO provides the most affordable rates for bad-credit drivers in Hawaii, with monthly premiums averaging $47 for minimum coverage and $126 for full coverage.
Who has the cheapest car insurance in Hawaii with an accident?
GEICO offers the most affordable car insurance rates for Hawaii drivers with an accident history, starting at $35 per month for minimum coverage.
Who has the cheapest car insurance in Hawaii with a DUI?
State Farm provides the cheapest car insurance after a DUI in Hawaii, with rates of $41 monthly for minimum coverage and $95 monthly for full coverage.
Who has the cheapest car insurance in Hawaii for those with a speeding ticket?
Hawaii drivers with a speeding ticket can find the lowest insurance rates with GEICO, charging $24 monthly for minimum coverage and $66 for full coverage.
Should you buy the cheapest car insurance in Hawaii?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Hawaii.
How We Found the Most Affordable Car Insurance in Hawaii
MoneyGeek collected auto insurance data from the Hawaii Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Hawaii.
Hawaii Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Hawaii
We compared car insurance companies in Hawaii that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Hawaii.
The minimum coverage liability limits in Hawaii are:
- $20,000 per person for bodily injury
- $40,000 per accident for bodily injury
- $10,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed September 12, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed September 12, 2025.
- National Centers for Environmental Information. "Climate at a Glance." Accessed September 12, 2025.
- National Insurance Crime Bureau. "NICB Releases Annual Hot Spots Report." Accessed September 12, 2025.