The Cheapest Car Insurance in Hawaii for 2022

To find the best offers, MoneyGeek compared premiums from six insurance providers in Hawaii. We found that GEICO offers the most affordable insurance for the average driver, with a minimum coverage policy costing $328 per month.

The least expensive option may vary based on your driver profile. For instance, GEICO is the least expensive insurer for seniors and new drivers, while State Farm offers the cheapest policies for those with a DUI record. Drivers in Hawaii can save up to $811 per year by comparing insurance premiums.

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Last Updated: 9/23/2022
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To provide you with the most accurate pricing for your situation, MoneyGeek also researched the cheapest car insurance in Hawaii by city. If you're looking for the ideal balance between customer service and cost, we also looked at the best auto insurance companies in Hawaii.

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Methodology

Why Trust MoneyGeek? Hawaii car insurance rates in this study are based on our analysis of data and information from the Hawaii Department of Insurance and Quadrant Information Services.

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These rates were updated in September 2022 to reflect how car insurance rates in Hawaii have changed up to this month.

3,312

Quotes Analyzed

 
9

Companies Compared

 
23

ZIP Codes

Cheapest Minimum Liability Car Insurance in Hawaii

In Hawaii, car owners are required to obtain auto insurance. The least expensive auto insurance is a minimum liability coverage plan that complies with legal requirements. MoneyGeek found that the following insurers offer the cheapest minimum liability coverage policies in Hawaii:

  • GEICO: $328 per year
  • State Farm: $429 per year

The lowest auto insurance is offered by USAA at $292 per year, but only current and past military members are eligible for its policies. Meanwhile, the most expensive provider, Progressive, charges an average of $728 per year.

CHEAPEST MINIMUM CAR INSURANCE IN HAWAII

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These prices are only estimates based on rates for an average Hawaii driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in Hawaii

A full coverage policy with higher liability limits and comprehensive and collision insurance will ensure you’re protected against most accidents, on and off the road, in Hawaii. It will cost more per month than a minimum-coverage policy, but it’ll cover the cost of most damages to your or another’s vehicle.

To help you find the best provider, MoneyGeek identified the cheapest insurers for full coverage car insurance policies in Hawaii:

  • GEICO: $636 per year
  • State Farm: $822 per year

The second-cheapest insurer, USAA, costs only $647 per year. However, only current military members and veterans are eligible for its policies. The most expensive full coverage is provided by Progressive, at an average annual cost of $1,434.

CHEAPEST FULL COVERAGE CAR INSURANCE IN HAWAII

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Please remember that your individual prices will be different from these examples. The rates are for a policy with comprehensive and collision insurance and with $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.

How to Compare Cheap Hawaii Car Insurance Quotes Online

Most insurers in Hawaii will allow you to get a reasonably accurate quote on their website.

  • Determine the coverage levels you need so you can compare quotes consistently. For example, if you get a quote with one provider for comprehensive and collision with a $1,000 deductible, you should make sure to use the same limits with other carriers.
  • You can use MoneyGeek’s price data as a guide to finding insurer websites to visit. MoneyGeek’s car insurance calculator allows you to find estimated car insurance costs using your ZIP code. If you want a personalized quote, you’ll need to put in more detailed information.
  • The three cheapest companies for liability coverage in Hawaii are USAA, GEICO and State Farm. You can begin your search for a suitable policy by getting the prices of these providers.

Auto Insurance Calculator

State

Hawaii

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$368

2.

GEICO

$413

Cheapest Car Insurance in Hawaii for Young Drivers

Young drivers in Hawaii are subject to higher auto insurance costs than adults since they are thought of as higher-risk drivers. However, young people can still save money by shopping around for insurance.

For young drivers between the age of 16 and 25, GEICO is the cheapest car insurance provider in Hawaii. The insurer offers policies to 16-year-olds and 25-year-olds at an average cost of $693 per year and $625 per year, respectively.

ANNUAL CAR INSURANCE IN HAWAII FOR YOUNG DRIVERS

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • 16
    $979
    State Farm
    $693
  • 17
    $979
    State Farm
    $693
  • 18
    $979
    State Farm
    $693
  • 19
    $1,006
    GEICO
    $697
  • 20
    $1,006
    GEICO
    $697
  • 21
    $988
    GEICO
    $625
  • 22
    $990
    GEICO
    $625
  • 23
    $978
    GEICO
    $625
  • 24
    $978
    GEICO
    $625
  • 25
    $978
    GEICO
    $625

Besides comparing rates from different providers, young drivers can also lower the cost of their car insurance by completing the following activities:

  • Maintaining a spotless driving record free of violations
  • Avoiding driving sports vehicles and SUVs
  • Choosing an insurer that offers “accident forgiveness”

Due to their lack of driving experience, teenagers are more likely to get involved in an accident. As a result, insurance firms frequently charge higher rates for auto insurance to safeguard themselves and other parties in the event of an accident.

Cheapest Car Insurance in Hawaii for Seniors

While senior drivers typically pay higher rates for car insurance, the average cost of auto insurance for seniors in Hawaii is equal to the state average — $1,050 per year.

MoneyGeek found that the following companies in Hawaii offer the cheapest full coverage policies to seniors:

  • GEICO: $636 per year
  • State Farm: $822 per year

The second most economical choice is USAA, which costs around $647 annually, but it's only accessible to active-duty and retired military personnel.

CHEAPEST CAR INSURANCE RATES FOR SENIORS

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Although seniors in Hawaii pay more for car insurance, they can save money by comparing different providers. GEICO offers the cheapest rate to seniors at $636 per month, while Progressive has the most expensive rates at $822 per year.

It’s important to note that Hawaii has particular guidelines for issuing licenses to seniors. Once every eight years, until the age of 72, they must successfully pass a vision exam in order to apply in person for their license. After a driver has reached the age of 72, their license must be renewed every two years.

Cheapest Car Insurance for Drivers With Tickets in Hawaii

Drivers in Hawaii who have tickets or other minor traffic offenses on their record pay more for car insurance. The average cost of car insurance for drivers with a history of traffic violations is $1,234 per year, compared to $1,050 for those with a clean driving record.

For drivers in Hawaii with a speeding ticket and full coverage, the cheapest car insurance companies are:

  • GEICO: $636 per year
  • State Farm: $897 per year

Active and former military members with traffic violations can also get cheap car insurance from USAA for $675 per year.

AVERAGE CAR INSURANCE RATES WITH A TICKET

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Distracted driving accounted for 110 fatal accidents across Hawaii in 2018 alone. While not every distracted driving incident results in a wreck, Hawaii police departments take this infraction seriously. Statewide, the police issued 14,500 distracted driving citations in 2018 in addition to speeding tickets. While Hawaii does not currently employ a points-based system, tickets can still result in higher car insurance rates. Check out the table below to get a sense of approximate costs for those with a ticket on their record.

Tickets for distracted driving or speeding can impact your rates for a number of years, depending on the severity of the ticket and how many you receive over a given time period. First-time offenders may be able to remove the ticket from their record by participating in safe-driving training. Distracted driving can cost a lot more than just higher insurance rates, making it important to stay focused on the road.

Cheapest Car Insurance for Drivers With a DUI in Hawaii

Drivers with a DUI conviction pay higher car insurance rates. In Hawaii, the average annual cost of insurance for those with a DUI is $3,294.

The following providers offer the cheapest rates for drivers with a DUI and full coverage in the state:

  • State Farm: $897 per year
  • Progressive: $2,308 per year

The second-cheapest option is USAA, at $1,274 per year. However, it is only available to active or former military personnel.

AVERAGE CAR INSURANCE RATES WITH A DUI

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Drivers who are arrested for DUI face fines and license suspensions, both of which can raise insurance costs. Finding affordable car insurance after a DUI conviction can be challenging, but you can save up to $4,972 per year by opting for the cheapest provider, State Farm, over the most expensive provider, Farmers.

Cheapest in Hawaii for Drivers With an At-Fault Accident

Your annual premium increases if you have an at-fault accident. In Hawaii, those with an at-fault accident on their driving record pay an average of $1,492 per year — $442 more than someone with a clean driving record.

MoneyGeek found that following insurers in Hawaii offer the cheapest policies to drivers with an at-fault accident on their record:

  • GEICO: $910 per year
  • State Farm: $972 per year

If you’re eligible for its policies, USAA offers the cheapest insurance for those with an at-fault accident, at an average cost of $793 per year

CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT

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Cheapest Car Insurance in Hawaii for Drivers With Bad Credit

In Hawaii, unlike other states, car insurance rates are not based on your credit score. Nevertheless, it's still crucial to have your credit score in good standing because it can assist you with other financial requirements like credit cards, loans and mortgage lending.

Hawaii is one of a select few states that forbids insurers from taking a driver's credit score into account. Your credit score may not affect Hawaii auto insurance premiums, but it may have an impact on other areas of your life such as credit card approval, mortgage financing and borrowing money. Your finances can be generally improved by raising your credit score.

Cheapest Car Insurance in Hawaii for Military Drivers

USAA customers in Hawaii pay an average of $292 per year for auto insurance. However, it’s important to remember that only service members, veterans and their families are eligible to purchase USAA insurance.

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MoneyGeek Top Pick
USAA
  • Average rate: $297 per year
  • Ranks the cheapest out of six insurers

Those who are eligible for USAA plans may be able to reduce their insurance expenses even more by bundling policies, finishing a driver safety course, maintaining a spotless driving record and insuring multiple vehicles. If a policyholder under the age of 25 was previously insured by their parent's USAA policy but is now purchasing their own, they may be eligible for additional savings.

Cheapest Car Insurance in Hawaii by City

Where you live often changes how much you pay for car insurance. If you live in Honolulu, the most populous city of Hawaii, the average cost of car insurance for a full coverage policy is $1,066 per year. Drivers who reside in other cities may have slightly different rates.

Click on the city to get more detailed information about car insurance there.

AVERAGE INSURANCE RATE BY CITY IN HAWAII

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Car Insurance in Hawaii: What You Need to Know

Hawaii Insurance Requirements

Hawaii requires insurance for all motor vehicles registered in the state. However, drivers of motorcycles and scooters are not required to have personal injury protection (PIP). Nonetheless, they are required to have the same amount of liability insurance for property damage and physical harm as regular motorists.

You must always keep a current identification card for your Hawaii car insurance; otherwise, you risk getting a ticket and a fine. All motorists operating a motor vehicle in Hawaii are required to have the following minimum insurance:

  • $10,000 personal injury protection (PIP) to cover medical costs, regardless of who is at fault
  • $20,000 bodily injury liability per person to cover third-party medical expenses if you are at fault
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability to cover third-party property damage if you are at fault

Your insurance agent must inform you of your alternatives for uninsured and underinsured motorist coverage under the law.

Liability insurance coverage of 100/300 — $100,000 per person and $300,000 per accident — is recommended by experts. Moreover, combining your car and home insurance is one option to lower your prices without compromising your coverage.

Keeping a clean driving record can also help you lower your premiums. Furthermore, reducing the amount you drive can lower the cost of your premiums by 15% to 25%.

FAQs About Car Insurance in Hawaii

To help you make an informed buying decision, MoneyGeek provides answers to frequently asked questions about auto insurance coverages and rates in Hawaii.

Expert Advice on Finding Affordable Car Insurance in Hawaii

To help you find credible and accurate insights on car insurance in Hawaii, MoneyGeek gathered expert advice from proven professionals. The perspectives and opinions conveyed are those of the individual contributor.

  1. What are the key factors drivers in Hawaii should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Hawaii take to find affordable car insurance?
Kirk Barth, CFP, ChSNC, CLU, ChFC
Kirk Barth, CFP, ChSNC, CLU, ChFC

Financial Advisor at Smart Assets of Hawaii

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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