Cheapest Car Insurance in Hawaii (November 2025)

Hawaii drivers enjoy savings on car insurance, paying just $983 annually for full coverage, which runs 33% below the national average. Minimum coverage costs $404 per year, sitting 41% under what drivers nationwide pay. Hawaii ranks 4th out of 51 states for full coverage affordability and 5th for minimum coverage.

GEICO offers the cheapest rates for both full and minimum coverage while leading in most major cities statewide. Skipping full coverage means you'll pay for your own repairs if you cause an accident, so compare rates to find affordable coverage that works for your budget. MoneyGeek ranked Hawaii's top car insurance companies by evaluating pricing, customer satisfaction and coverage options, with State Farm earning the highest overall ranking.

GEICO offers the cheapest full coverage at just $66 monthly or $787 yearly. Farmers secures second place at $866 annually, followed by Island Insurance ($966 yearly), State Farm ($1,043 per year) and Allstate ($1,244 annually). Hawaii residents have multiple affordable options for comprehensive coverage as of November 2025.

GEICO offers the lowest minimum coverage rate in Hawaii at $24 per month, making it the most affordable option for drivers who only need liability coverage. Island Insurance follows at $33 per month, while Farmers costs $35 per month. State Farm averages $37 per month, and Allstate rounds out the list at $41 per month. These choices give Hawaii drivers several low-cost ways to meet the state's insurance requirements.

Hawaii requires drivers to carry $20,000 in bodily injury liability per person, $40,000 per accident and $10,000 in property damage liability (20/40/10), along with $10,000 in personal injury protection (PIP).

These low limits help keep premiums affordable, but major crashes can easily exceed them, especially in Honolulu where congestion and heavy rainfall lead to higher repair and medical costs.

GEICO offers the most affordable minimum coverage rates in all 14 major Hawaii cities analyzed by MoneyGeek, including Honolulu, Hilo, Pearl City and Waipahu.

Minimum coverage premiums across these cities range from $23 to $29 per month. The lowest monthly rate of $23 appears in Ewa Gentry, Kaneohe, Kapolei, Mililani Town, Pearl City, Wahiawa and Waipahu, while Kailua has the highest minimum coverage rate at $29 per month.

Hawaii's young drivers ages 16 to 25 can find savings with the right insurer. GEICO offers the most affordable full coverage at $835 annually, coming in 25% below the state average for this age group. Farmers takes second place at $886 per year, while Island Insurance rounds out the top three at $966 annually.

Adult drivers ages 26 to 64 can take advantage of GEICO’s competitive pricing at $787 per year for full coverage. Farmers comes in second at $866 annually, and Island Insurance offers solid coverage at about $966 per year.

Senior drivers ages 65 and older also get the best value from GEICO, which charges $787 per year for full coverage. This is about 24% below Hawaii’s average for older drivers. Farmers follows at $866 per year, while Island Insurance provides coverage for seniors at around $966 annually.

Driving violations and credit issues can increase insurance premiums in Hawaii. A clean record keeps costs low, but infractions like speeding, at-fault accidents, texting behind the wheel or DUIs push rates higher. 

Your credit score also affects your rates. GEICO offers the lowest rates for most high-risk categories. Farmers costs less for bad credit and State Farm charges the least after a DUI.

• Cheapest with a speeding ticket: GEICO ($66 per month)
• Cheapest with a texting while driving violation: GEICO ($66 per month)
• Cheapest with a DUI: State Farm ($93 per month)
• Cheapest with an at-fault accident: GEICO ($95 per month)
• Cheapest for bad credit: Farmers ($123 per month)

Compare quotes from national and local insurers to find the lowest rates. Smaller carriers sometimes charge less than big brands in Hawaii. Lower your premiums by bundling policies, improving your credit score and asking about safe-driver or low-mileage discounts.

Minimum coverage cuts costs but comes with trade-offs. Hawaii requires 20/40/10 liability coverage plus $10,000 in personal injury protection (PIP). These limits meet state requirements but won't cover much in a serious crash. Without collision coverage, you'll pay for your own vehicle repairs after an at-fault accident.

Comprehensive coverage protects you from theft, storm damage and vandalism. These risks are real in Hawaii with frequent severe weather and steady auto theft. A bodily injury claim can exceed $20,000, putting many drivers near or above the state's $20,000 per-person limit.

Higher limits or full coverage reduce your chance of paying out of pocket after a major accident.

Compare quotes from national and local insurers to find the lowest rates. Smaller carriers sometimes underprice big brands in certain Hawaii markets. You can lower premiums further by bundling your policies, improving your credit score and asking about safe-driver or low-mileage discounts.

Buying minimum coverage is another way to cut costs, but it comes with trade-offs. Hawaii requires 20/40/10 liability coverage plus $10,000 in personal injury protection (PIP). These limits meet state requirements but leave you exposed in a serious crash. With no collision coverage, you'll pay for your own vehicle repairs after an at-fault accident.

Comprehensive coverage safeguards you from theft, storm damage and vandalism. These are real concerns in Hawaii, given frequent severe weather and steady auto-theft activity. A bodily injury claim can exceed $20,000, putting many drivers near or above the state's per-person limit.

If you can afford stronger protection, higher limits or full coverage, you reduce the chance of paying out of pocket after a major incident.

GEICO offers Hawaii's lowest car insurance rates across all driver types and coverage levels. Don't choose based on price alone. Buy the strongest coverage you can afford to protect your finances after an accident.

Our insurance experts answer common questions about finding affordable car insurance in Hawaii.

Hawaii drivers juggle high traffic volume in Honolulu, weather risks and rates that run 33% below the national average for full coverage. We compared rates across the islands' metro areas, suburbs and rural communities to find the best value.

Our Research Approach

We pulled quotes from 12 insurers across every Hawaii ZIP code using data from the state's insurance department and Quadrant Information Services. The numbers tell the story: rural Hilo drivers pay far less than Honolulu commuters stuck on H-1, and our statewide sweep catches all those pricing differences. Our analysis included more than 200 million rate comparisons to identify consistent patterns in pricing and coverage availability.

We started with a baseline driver profile that represents Hawaii's median demographic:  

• 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

This profile serves as our baseline. We adjusted specific variables (age, driving violations, credit score) to compare how Hawaii insurers price risk for different drivers. This shows which companies specialize in certain demographics and which offer competitive rates across all profiles.

Coverage Levels We Compared

Hawaii requires minimum liability coverage of $20,000 per person for bodily injury, $40,000 per accident for bodily injury and $10,000 per accident for property damage. We used these exact limits for minimum coverage comparisons since that's what most budget-conscious island drivers carry.

For full coverage analysis, we used higher liability limits that better protect Hawaiian drivers in serious accidents:  

• $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

Most insurance agents in Hawaii push these higher limits once you mention Honolulu traffic. Three-car pileups on H-1 eat through that $20,000 state minimum fast. Go with the $1,000 deductible to cut your monthly bill, just make sure you've got a grand stashed away.