Cheapest Car Insurance in Hawaii (June 2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
Contribution by1 expert
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byRae Osborn
Contribution by1 expert
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Updated: June 10, 2024

Advertising & Editorial Disclosure

In Hawaii, GEICO has the most affordable auto insurance policies for nearly all driver profiles. But for teens, State Farm offers the cheapest policies.

If you prefer to balance cost and service quality, we also listed the best car insurance in Hawaii.

Why Trust MoneyGeek? MoneyGeek collected the most recent data from the Hawaii Insurance Division and Quadrant Information Services to determine the state’s cheapest car insurance providers for various driver profiles.

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These rates reflect the cheapest car insurance quotes in Hawaii as of June 2024.

5,918Quotes Analyzed
 
7Companies Compared
 
20ZIP Codes

Cheapest Minimum Liability Car Insurance in Hawaii (June 2024)

Based on MoneyGeek’s analysis, these companies offer the most affordable car insurance in Hawaii, on average:

  • GEICO: $223 per year
  • Island Insurance Group: $333 per year

You can find the most expensive minimum coverage policies from Progressive at roughly $473 per year.

Minimum coverage car insurance in Hawaii includes bodily injury liability, property damage liability and personal injury protection.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$223Monthly Premium$19
Island Insurance GroupAnnual Premium$333Monthly Premium$28
State FarmAnnual Premium$371Monthly Premium$31
FarmersAnnual Premium$374Monthly Premium$31
AllstateAnnual Premium$426Monthly Premium$35
ProgressiveAnnual Premium$473Monthly Premium$39

A minimum coverage car insurance policy will only pay for damages you cause other people. It won’t reimburse your repair or replacement costs for your own car. Full coverage car insurance, also known as comprehensive and collision insurance, provides broader protection and extends its coverage to your own vehicle.

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Find the Best Car Insurance in Hawaii for You

 

Your car insurance rates are affected by your needs and preferences. The table above shows the cheapest car insurance premiums for minimum coverage in Hawaii.

Learn more about how much car insurance you need.

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MoneyGeek studied the best car insurance providers in Hawaii based on cost and quality of service.

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You can understand how specific factors in your profile influence your premium prices by seeing the average price of auto insurance in Hawaii for different driver profiles.

Cheapest Full Coverage Car Insurance in Hawaii (June 2024)

MoneyGeek’s research indicates that these providers have Hawaii’s cheapest full coverage car insurance:

  • GEICO: $601 per year
  • Farmers: $739 per year

Progressive’s full coverage policy is the most expensive in Hawaii at approximately $1,095 per year.

Your auto insurance premiums will increase by having comprehensive and collision coverage. You’ll pay $378 more if you choose GEICO’s full coverage option over its minimum coverage package. Despite its higher cost, a full coverage policy provides more protection as it covers on and off-road damages. It protects you from damages due to hit-and-run, floods, vandalism and more.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$601Monthly Premium$50
FarmersAnnual Premium$739Monthly Premium$62
State FarmAnnual Premium$833Monthly Premium$69
Island Insurance GroupAnnual Premium$871Monthly Premium$73
AllstateAnnual Premium$970Monthly Premium$81
ProgressiveAnnual Premium$1,095Monthly Premium$91

Your insurance costs are impacted by how much insurance you need. We used these limits for our sample full coverage policy:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

To reduce your car insurance premiums, you can:

  • lower your liability limits
  • remove comprehensive and collision coverage
  • increase your deductible

However, doing these things may leave you with inadequate coverage.

How to Compare Cheap Hawaii Car Insurance Quotes Online

You can get quotes online from most auto insurance companies. However, it may take you roughly 15 minutes to get an estimate from each company. Comparing rates may be time-consuming as it requires you to go through the same process multiple times.

With MoneyGeek’s car insurance calculator, you can estimate your car insurance costs quickly without having to obtain quotes from several providers. You can use it as a starting point to find the cheapest auto insurance for your needs.

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Cheapest Car Insurance in Hawaii by Age (June 2024)

How much you spend on car insurance in Hawaii is impacted by your age. State Farm offers the most affordable options for teens, while GEICO provides the cheapest rates for both young adults and seniors in your family.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest Car Insurance in Hawaii for Teens and Their Families (June 2024)

On average, these insurers have the lowest car insurance rates in Hawaii for a young driver on their parent’s profile:

  • State Farm: $709 per year for male and female teens
  • GEICO: $735 per year for male and female teens

Car insurance premiums for teens decrease as they age, with the cheapest rates going to 19-year-olds across the state. Hawaii's most affordable provider for 19-year-old males is State Farm ($709 per year).

At around $1,569 per year, Progressive offers the least affordable car insurance for teenagers on their parent’s policy. Generally, auto insurance is cheaper when a teen is added to their parent’s policy as opposed to getting their own coverage. In Hawaii, it is roughly $259 cheaper for young male drivers to be included in their parent’s policies compared to purchasing their own insurance.

Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
State FarmFamily Plan Annual Premium$709Individual Plan Annual Premium$709
GEICOFamily Plan Annual Premium$735Individual Plan Annual Premium$735
21st CenturyFamily Plan Annual Premium$832Individual Plan Annual Premium$900
AllstateFamily Plan Annual Premium$1,084Individual Plan Annual Premium$1,478
ProgressiveFamily Plan Annual Premium$1,569Individual Plan Annual Premium$2,403
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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

If your family is insuring a student, check to see if you qualify for discounts that help lower your premiums. 21st Century and GEICO offer good student discounts. Allstate, Progressive and State Farm offer distant student discounts and good student discounts.

Cheapest Car Insurance in Hawaii for Young Adults (June 2024)

On average, MoneyGeek’s analysis found that these insurers have Hawaii’s lowest rates for drivers in their 20s:

  • GEICO: $601 per year
  • Farmers: $739 per year

The most expensive premium is from Progressive at $1,095. On average, young adults in Hawaii pay the same for a full coverage insurance policy as middle-aged drivers.

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$601Monthly Premium$50
FarmersAnnual Premium$739Monthly Premium$62
State FarmAnnual Premium$833Monthly Premium$69
Island Insurance GroupAnnual Premium$871Monthly Premium$73
AllstateAnnual Premium$970Monthly Premium$81
ProgressiveAnnual Premium$1,095Monthly Premium$91

Cheapest Car Insurance in Hawaii for Seniors (June 2024)

MoneyGeek’s research shows that these providers have the cheapest car insurance in Hawaii for senior drivers, on average:

  • GEICO: $601 per year
  • Farmers: $739 per year

Progressive has the most expensive rates for older adults in the state at approximately $1,095 per year.

Generally, senior drivers pay less for auto insurance compared with middle-aged drivers. But your insurance costs will usually go up once you hit your 70s and 80s. That said, this is not the case in Hawaii.

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$601Monthly Premium$50
FarmersAnnual Premium$739Monthly Premium$62
State FarmAnnual Premium$833Monthly Premium$69
Island Insurance GroupAnnual Premium$871Monthly Premium$73
AllstateAnnual Premium$970Monthly Premium$81
ProgressiveAnnual Premium$1,095Monthly Premium$91

Senior drivers might be able to save on their premiums with senior driving discounts. 21st Century, Allstate and GEICO offer discounts for senior drivers in Hawaii. Nonetheless, the best way to know which companies have the lowest rates is to compare offers from multiple insurers.

Cheapest Car Insurance for Higher Risk Drivers (June 2024)

If you have a speeding ticket, you can get the cheapest car insurance in Hawaii from GEICO. GEICO is also the most affordable for drivers with accidents on their records. State Farm is the cheapest provider for those with a DUI. GEICO is the most affordable provider for owners of sports car.

CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

Cheapest after a ticket: GEICO ($601 per year)
Cheapest after an accident: GEICO ($916 per year)
Cheapest after a DUI: State Farm ($923 per year)
Cheapest for sports cars: GEICO ($754 per year)

Cheapest Car Insurance in Hawaii After a Ticket

On average, these insurers have the lowest car insurance prices in Hawaii if you have a speeding ticket:

  • GEICO: $601 per year
  • Farmers: $739 per year

At approximately $1,526 per year, Progressive has the highest rates in the state for the same driver profile. Auto insurance premiums in Hawaii are around $166 more expensive for drivers with speeding tickets compared with motorists with clean records.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$601Monthly Premium$50
FarmersAnnual Premium$739Monthly Premium$62
State FarmAnnual Premium$923Monthly Premium$77
Island Insurance GroupAnnual Premium$948Monthly Premium$79
AllstateAnnual Premium$1,369Monthly Premium$114
ProgressiveAnnual Premium$1,526Monthly Premium$127

Cheapest Car Insurance in Hawaii After an Accident

MoneyGeek’s analysis shows that drivers with at-fault accidents on their records can find the cheapest car insurance in Hawaii from these providers, on average:

  • GEICO: $916 per year
  • State Farm: $1,010 per year

Conversely, Progressive’s coverage is the most expensive at roughly $1,692 per year. If you have an at-fault accident on your record, you may have to pay around $387 more for car insurance compared with someone with a clean driving history.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$916Monthly Premium$76
State FarmAnnual Premium$1,010Monthly Premium$84
FarmersAnnual Premium$1,156Monthly Premium$96
Island Insurance GroupAnnual Premium$1,174Monthly Premium$98
AllstateAnnual Premium$1,484Monthly Premium$124
ProgressiveAnnual Premium$1,692Monthly Premium$141

Cheapest Car Insurance in Hawaii After a DUI

Based on MoneyGeek’s research, drivers with DUIs can find the most affordable car insurance in Hawaii from these companies, on average,

  • State Farm: $923 per year
  • Farmers: $1,227 per year

Meanwhile, Island Insurance Group has the least affordable rates at approximately $7,694 per year.

Our calculations show that having a DUI can result in up to a $2,388 increase in your car insurance rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$923Monthly Premium$77
FarmersAnnual Premium$1,227Monthly Premium$102
ProgressiveAnnual Premium$1,910Monthly Premium$159
AllstateAnnual Premium$2,997Monthly Premium$250
GEICOAnnual Premium$4,690Monthly Premium$391
Island Insurance GroupAnnual Premium$7,694Monthly Premium$641

Cheapest Car Insurance in Hawaii for Sports Cars (June 2024)

If you’re driving a sports car, you can get the lowest average car insurance rates in Hawaii from these insurers:

  • GEICO: $754 per year
  • Farmers: $781 per year

Progressive’s $1,362 per year average rate is the most expensive car insurance in the state for sports car drivers.

Generally, auto insurance is more expensive if you’re driving a sports car. This is because insurance companies view sports car drivers as riskier to insure. In Hawaii, a sports car driver pays roughly $176 more annually than a driver of a Toyota Camry.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$754Monthly Premium$63
FarmersAnnual Premium$872Monthly Premium$73
State FarmAnnual Premium$1,034Monthly Premium$86
AllstateAnnual Premium$1,167Monthly Premium$97
ProgressiveAnnual Premium$1,362Monthly Premium$114

Our team used a Ford Mustang as the sample sports car in this guide. GEICO offers the cheapest full coverage insurance policy at $754, while Farmers has the second cheapest at $872. On the other hand, Progressive holds the position for the most expensive premium with $1,362 for middle-aged drivers in Hawaii. On average, luxury, electric and sports cars have higher insurance costs, at approximately $186 more than insuring a traditional Toyota Camry LE.

Cheapest Car Insurance in Hawaii for Military Drivers (June 2024)

If you’re a veteran or an active-duty military member, GEICO offers the cheapest car insurance in Hawaii at around $601 per year. You could also check USAA for inexpensive auto insurance, which has an annual cost of around $602.

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MoneyGeek Top Pick
GEICO
  • Annual premium: $601
  • Cheapest in the state, ranking first out of seven companies

GEICO offers a military discount, providing additional savings for our nation's service members and veterans.

Cheapest Car Insurance in Hawaii by City

Your car insurance rate is affected by your location. If you live in a neighborhood with a high incidence of theft, vandalism or accidents, insurance companies will see you as riskier to insure and charge you higher premiums.

MoneyGeek’s research shows that the cheapest full coverage car insurance in Urban Honolulu, Hawaii, is around $737 per year from GEICO.

Urban HonoluluCheapest CompanyGEICOAnnual Premium$737

Car Insurance in Hawaii: What You Need to Know

As in most states, you’re required to get bodily injury liability and property damage liability coverage in Hawaii. But the state also requires you to get personal injury protection, which is not usually required in other states.

Hawaii Car Insurance Requirements

In Hawaii, you’re required to get bodily injury liability, property damage liability and personal injury protection.

Although a minimum coverage policy will save you money monthly, it offers limited financial protection in case of an accident. We recommend that you get as much liability coverage as you can reasonably afford.

Note that the state of Hawaii might require you to increase your coverage and get SR-22 insurance if you have repeated or severe driving violations.

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    Bodily Injury Liability

    Hawaii requires you to purchase liability coverage, which pays for hospital and other expenses if you’ve been found at fault in an accident. As a minimum, you need to get limits of $20,000 per person and $40,000 per accident. However, if your damages exceed those amounts, you’ll pay the remainder out of pocket.

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    Property Damage Liability

    You’re required to buy property damage liability of at least $10,000 in Hawaii. This insurance covers the damage that you cause to another person’s property. It’s a good idea to have enough coverage so that you won’t have to pay for repair or replacement costs in an accident.

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    Personal Injury Protection

    If you’re driving in Hawaii, you’re required to get personal injury protection with a minimum limit of $10,000. This covers wage loss, medical expenses and other costs to an eligible injured party. Note that if your damages exceed the covered amount, you’ll have to pay for the remainder yourself.

We recommend that you buy these limits for your car insurance:

  • $100,000 in bodily injury liability per person and $300,000 per accident
  • $100,000 in property damage insurance per accident

If you’ve taken out a loan to purchase your vehicle, you’ll likely be required to buy comprehensive and collision insurance.

Comprehensive insurance deals with the repair or replacement cost after a covered off-road accident. Collision insurance pays for damages to your car in case of a crash.

If you have a high-value vehicle, we encourage you to buy comprehensive and collision insurance even though you’re not required by a financing contract.

Car Insurance Alternatives in Hawaii

If you’re unable to secure car insurance from traditional insurers or have multiple accidents and violations on your records, you can still get auto insurance from the Hawaii Joint Underwriting Plan (HJUP).

The HJUP is a risk-pooling arrangement from the state’s insurers. It offers coverage options that meet the state’s minimum requirements, albeit at a higher cost.

If you’re looking for an HJUP policy, you may apply through any insurance agent in the state. They would be the ones that would guide you throughout the process.

Drivers who don’t have their own cars can also consider non-owner car insurance.

FAQ About Car Insurance in Hawaii

It’s common to have questions about cost and quality if you’re in the market for an auto insurance policy. MoneyGeek answered some frequently asked questions about car insurance in Hawaii to help you get started.

Which company offers the cheapest car insurance in Hawaii?
Should you buy the cheapest car insurance available in Hawaii?

Expert Advice on Finding Cheap 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, ChFCFinancial Advisor at Smart Assets of Hawaii

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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