Cheapest Car Insurance in Hawaii for 2026

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Updated: May 6, 2026

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At 4th most affordable of 50 states, Hawaii averages $82/month for full coverage, 33% below the national average. Among the six analyzed providers, GEICO is cheapest across nearly every category. Drivers with a DUI shouldn't choose GEICO: its DUI rate is $445/month, the largest DUI surcharge in this analysis. State Farm is cheapest for DUI at $93/month, $352 less than GEICO per month ($4,224 per year).

Cheapest in Hawaii by Coverage Type

Cheapest by City

Cheapest by Driver Age

Cheapest by Driving Record

MoneyGeek analyzed six companies across all Hawaii ZIP codes, the complete competitive set available in this dataset. Our baseline is a 40-year-old driver with a clean record for a 100/300/100 full coverage policy with a $1,000 deductible. Hawaii's updated minimum (40/80/20 plus $10,000 PIP, effective January 2026) is reflected in the minimum coverage analysis. Hawaii bans both gender and credit as rating factors; the young driver analysis uses a single combined table and no bad credit profile is included. Island is a Hawaii-based regional carrier. Data are from Quadrant Information Services.

Cheapest Minimum and Full Coverage Car Insurance in Hawaii

GEICO has the lowest minimum coverage rate in Hawaii at $24/month and the lowest full coverage rate at $66/month. Among the remaining five providers, Progressive is the most expensive at $112/month for full coverage, and Island has the highest minimum coverage rate at $47/month. 

GEICO over Progressive means $46/month ($552 a year) in savings on full coverage. Drivers with a DUI shouldn't use GEICO in the state. Explore the best car insurance in Hawaii to compare options across coverage types.

Hawaii's minimum coverage requirements were updated by Act 138 (SB2342), effective January 2026, doubling liability limits from 20/40/10 to 40/80/20: $40,000 per person bodily injury, $80,000 per accident and $20,000 property damage. Every policy also includes mandatory $10,000 PIP. 

Hawaii is a no-fault state, where drivers file injury claims with their own insurer and can only sue the at-fault driver if medical costs exceed $5,000 or injuries involve permanent damage. Drivers on pre-2026 policies should verify compliance at next renewal.

GEICO
$24
$66
Island Insurance
$33
$80
Farmers
$35
$72
State Farm
$36
$85
Allstate
$41
$104
Progressive
$47
$112

Cheapest Car Insurance by City in Hawaii

GEICO is cheapest in all 10 analyzed Hawaii cities. The city rate range spans $64 to $79/month across the state, a $15/month gap. Honolulu is $66/month with GEICO. Hawaii's island geography constrains population to specific coastal and valley areas, limiting the urban-rural density contrasts found on the mainland.

Pearl City, Waipahu, Mililani Town and Kaneohe ($64/month each) are the cheapest cities in the dataset, all on Oahu. Laupahoehoe ($79/month) and Kailua ($71/month) are the most expensive. Insurer choice matters far more than city: GEICO at $66/month vs. Progressive at $114/month in Honolulu is a $48/month difference. Compare car insurance options to find the best rate regardless of location.

City
Cheapest Provider
Monthly Full Coverage

Honolulu

GEICO

$66

Hilo

GEICO

$70

Kailua

GEICO

$71

Pearl City

GEICO

$64

Waipahu

GEICO

$64

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MONEYGEEK EXPERT TIP

"Hawaii's within-state city spread of $15 a month is the tightest in this entire series. In most other states, moving from a high-cost city to a low-cost city can save $20 to $90 a month. That lever doesn't exist in Hawaii. The islands don't produce the density contrasts that drive large city-to-city differences. What does matter is DUI history. If you have a DUI, GEICO charges $445 a month, the highest DUI rate in this analysis. State Farm charges $93 a month for the same driver. That $352 a month gap dwarfs any city or ZIP code comparison. Hawaii drivers with a DUI should treat State Farm as the only viable starting point." 

— Mark Fitzpatrick, Licensed Property and Casualty (P&C) Insurance Producer in Connecticut

Cheapest Car Insurance by Age in Hawaii

Island is cheapest for young drivers in Hawaii at $89/month at every age from 16 to 25, a completely flat rate block across all 10 ages and the flattest young-driver pricing in this analysis. Teens under 18 need a parent or guardian as a co-signer to purchase auto insurance.

Hawaii doesn't allow gender as a rating factor, so one rate applies regardless of gender, meaning families with male teens pay much less than in states like Florida or Texas. GEICO is cheapest for seniors at $66/month, the same as its standard adult rate, reflecting a zero senior surcharge.

Teen Drivers (16–25, Family Policy)
Island Insurance
$89
Seniors (65+)
GEICO
$66

Cheapest Car Insurance for High-Risk Drivers in Hawaii

GEICO is cheapest for speeding violations at $66/month (the same as its clean-record rate) and for texting while driving at $66/month. Per the Quadrant Information Services dataset, Hawaii's rating tiers treat speeding ticket and texting while driving violations identically for all six analyzed providers; the rates shown are confirmed rates, not placeholders.

GEICO is also cheapest after an at-fault accident at $95/month. For DUI, GEICO charges $445/month, $379 above its own clean-record rate of $66/month. State Farm is cheapest for DUI at $93/month, $352 less than GEICO per month ($4,224 per year). Island charges $685/month after a DUI, the highest rate in this analysis.

Drivers with a DUI must not default to GEICO in Hawaii. The best car insurance in Hawaii for high-risk drivers reflects wide gaps in pricing across providers. The state's tort threshold limits some lawsuit-driven premium increases after violations. Most violations affect rates for three years; DUI convictions carry longer surcharge periods.

Violation
Cheapest Provider
Monthly Full Coverage

Speeding Ticket

GEICO

$66

At-Fault Accident

GEICO

$95

DUI

State Farm

$93

Texting While Driving

GEICO

$66

How to Get the Cheapest Car Insurance in Hawaii

Choose GEICO over Progressive to save $46/month ($552 a year) on full coverage. GEICO leads nearly every category except DUI. Hawaii is already one of the most affordable states, but within-state comparison still saves hundreds annually.

  1. 1
    Use GEICO for all profiles except DUI

    GEICO is cheapest in nearly every category, but its DUI rate of $445/month is one of the highest in this analysis. State Farm at $93/month is the right choice for a DUI profile. Island charges $685/month for a DUI, so both GEICO and Island should be avoided for DUI profiles.

  2. 2
    Verify the policy meets Hawaii's updated 2026 minimums

    Act 138 doubled Hawaii's minimum coverage limits to 40/80/20 plus $10,000 PIP, effective January 2026. Drivers who haven't renewed since the change should confirm their policy meets the new requirements.

  3. 3
    Match coverage to vehicle value

    Full coverage averages $82/month in Hawaii. If you’re unsure, check how much car insurance you need before dropping comprehensive and collision.

  4. 4
    Enroll in a telematics program

    GEICO DriveEasy rewards safe driving with premium discounts based on actual driving behavior. Confirm current discount amounts directly with GEICO.

  5. 5
    Take a defensive driving course

    Hawaii-approved defensive driving courses can cut premiums 5% to 10% for three years. Courses are available online and in person through the state's approved provider list.

  6. 6
    Re-shop when violations age off

    Most violations affect rates for three years; DUI violations remain on record longer. Re-shopping once a DUI drops off is worth it in Hawaii because the pricing difference between State Farm and GEICO is $352/month.

  7. 7
    Consider non-owner coverage

    Non-owner car insurance in Hawaii covers drivers who don't own a vehicle but still need liability coverage.

  8. 8
    Compare all six available providers

    Hawaii's six-provider market is small enough that getting every quote is straightforward. The cheapest car insurance companies show how Hawaii’s rates compare nationally.

What Does Minimum Coverage Actually Protect You From in Hawaii?

Starting January 1, 2026, Hawaii doubled its liability minimums from 20/40/10 to 40/80/20, making it one of the more protective states for bodily injury coverage. At $40,000 per person and $80,000 per accident, drivers here carry more liability protection by default than roughly three-quarters of U.S. states. Hawaii is also a no-fault state, so your own $10,000 PIP policy covers your medical expenses after any crash, regardless of who caused it. PIP only covers medical and rehabilitation costs, not lost wages, and the $10,000 ceiling moves fast with Hawaii's healthcare prices.

The property damage side tells a different story. Hawaii's $20,000 PDL limit is below the national norm and won't cover a totaled newer vehicle. And while insurers must offer uninsured motorist coverage, drivers can decline it in writing. This is a gap in a state where replacement parts and repairs are more expensive simply because of geography.

Here's how Hawaii's required limits compare to the rest of the country, and where the updated minimums still leave you exposed.

An image showing how Hawaii's state minimum coverage compares to other states and an explanation of what is covered and where you are left unprotected.

MoneyGeek analyzed six auto insurance providers across all Hawaii ZIP codes using Quadrant Information Services data. Rates are ZIP code averages and individual quotes vary. Analysis includes standard driver profiles and common risk categories, accounting for Hawaii's rules that prohibit gender and credit as rating factors.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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