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Cheapest Car Insurance Companies and Quotes in Hawaii

Many factors can be significant in determining the most affordable car insurance in Hawaii. MoneyGeek used data on comprehensive and collision coverage for the average driver to compile a ranking of the cheapest car insurance companies. You can compare car insurance quotes and annual premiums to get a more concrete idea about how much you will have to pay.

Average Comprehensive and Collision Rates in Hawaii
Company
Amount
1. GEICO
In 2020, GEICO ranked #1 in Hawaii for the cheapest car insurance on average.
$646
per year
2. USAA
In 2020, USAA ranked #2 in Hawaii for the cheapest car insurance on average.
$657
per year
3. State Farm
In 2020, State Farm ranked #3 in Hawaii for the cheapest car insurance on average.
$835
per year
4. Allstate
In 2020, Allstate ranked #4 in Hawaii for the cheapest car insurance on average.
$1,112
per year
5. Farmers
In 2020, Farmers ranked #5 in Hawaii for the cheapest car insurance on average.
$1,281
per year

It is important to understand that these represent approximate costs for an average driver. Different carriers calculate premiums based on their own assessments of individual risk factors. Some providers might incentivize a good driving record with discounts, while some might attach extra penalties to DUIs or tickets. Shop around to find the best deal for your needs.

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Cheapest Liability Car Insurance in Hawaii

Auto insurance is necessary to own a vehicle in Hawaii. Since it is a no-fault state, your insurance carrier will cover expenses for bodily injuries, regardless of who was at fault in the accident. This coverage comes from your personal injury protection (PIP) policy, which should be at least $10,000. However, the at-fault driver’s insurance provider covers property damage.

The mandatory liability-only insurance coverage will allow you to get up to $20,000 for bodily injury per person, $40,000 for bodily injuries per accident and $10,000 for property damage. GEICO policyholders in Hawaii tend to pay the lowest annual premiums, with an average of $333 per year for the state minimum or an average annual amount of $391 for 50/100/50 coverage.

Average Cost for Liability Coverage
Company
Amount
1. USAA
In 2020, USAA ranked #1 in Hawaii for the cheapest car insurance for liability-only car insurance.
$297
per year
2. GEICO
In 2020, GEICO ranked #2 in Hawaii for the cheapest car insurance for liability-only car insurance.
$333
per year
3. State Farm
In 2020, State Farm ranked #3 in Hawaii for the cheapest car insurance for liability-only car insurance.
$436
per year
4. Allstate
In 2020, Allstate ranked #4 in Hawaii for the cheapest car insurance for liability-only car insurance.
$542
per year
5. Farmers
In 2020, Farmers ranked #5 in Hawaii for the cheapest car insurance for liability-only car insurance.
$672
per year

The Best Car Insurance Companies in Hawaii for 2020

To find the best car insurance companies in Hawaii, MoneyGeek took into account factors like the ability to pay claims, customer service quality, financial strength and affordability.

To determine these rankings, MoneyGeek used internal pricing data, as well as AM Best’s financial strength ratings and J.D. Power’s U.S. Auto Insurance Study — industry standards for reviewing and rating insurance companies. All criteria were weighted equally to arrive at a final rating out of 100.

Expand All Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

GEICOScore: 92.5
+

3/5

User Satisfaction

5/5

Claims Ratings

4/5

Affordability

A++

Financial Stability

3

State FarmScore: 90
+

3/5

User Satisfaction

5/5

Claims Ratings

3/5

Affordability

A++

Financial Stability

4

AllstateScore: 87.5
+

3/5

User Satisfaction

5/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

5

ProgressiveScore: 85
+

3/5

User Satisfaction

4/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

6

FarmersScore: 82.5
+

3/5

User Satisfaction

5/5

Claims Ratings

2/5

Affordability

A

Financial Stability

7

Liberty MutualScore: 77.5
+

3/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A

Financial Stability

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

Market Share by Company

The National Association of Insurance Commissioners identified GEICO as the largest company providing auto insurance quotes in Hawaii. Getting a quote from one of the largest auto insurance companies in Hawaii could help you save.

Company
Market Share
1. GEICO
27.2%
2. State Farm
18.6%
3. USAA
11.9%
4. Allstate
9.1%
5. Progressive
7.3%
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What Is the Average Cost of Car Insurance in Hawaii?

Car insurance premium costs vary according to several unique factors. To demonstrate a typical case, MoneyGeek calculated average 100/300/100 comprehensive and collision coverage costs for a 40-year-old male with a clean record driving a Toyota Camry. Depending on your location, driving history and coverage level, your costs can vary significantly.

  • Average Driver: $1,066
  • DUI: $3,346
  • Speeding Ticket: $1,253
  • Poor Credit Score: $0
  • Seniors: $1,066
  • Students: $995

Cheapest Car Insurance for Drivers With a DUI in Hawaii

Finding cheap car insurance with a DUI in Hawaii may seem difficult, but it can be done. Drunk driving accounted for 400 deaths in Hawaii between 2009 and 2018, according to the Centers for Disease Control and Prevention. In a study of adults who reported driving after drinking too much in the previous 30 days, 2.1% of Hawaiians stated they had – as compared to a national average of 1.7%. Those caught driving under the influence are subject to fines and driving suspension, both of which can make insurance rates go up. The table below provides approximate costs of auto insurance for those with a DUI on their records.

Average Car Insurance Rates With a DUI
Company
Amount
1. State Farm
In 2020, State Farm ranked #1 in Hawaii for the cheapest car insurance for drivers with a DUI.
$911
per year
2. USAA
In 2020, USAA ranked #2 in Hawaii for the cheapest car insurance for drivers with a DUI.
$1,294
per year
3. Progressive
In 2020, Progressive ranked #3 in Hawaii for the cheapest car insurance for drivers with a DUI.
$2,344
per year
4. Allstate
In 2020, Allstate ranked #4 in Hawaii for the cheapest car insurance for drivers with a DUI.
$3,260
per year
5. GEICO
In 2020, GEICO ranked #5 in Hawaii for the cheapest car insurance for drivers with a DUI.
$4,256
per year

If convicted of a DUI in Hawaii, plan for this to stay on your record for five years. During this time, auto insurers may require you to pay a higher premium. Unless you receive another DUI in the interim, the charge will fall off your record and you can access reduced rates. The real cost of receiving a DUI can be high, but there are things you can do to lessen the financial burden.

Cheapest Car Insurance With Tickets in Hawaii

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.

Average Car Insurance Rates With a Ticket
Company
Amount
1. GEICO
In 2020, GEICO ranked #1 in Hawaii for the cheapest car insurance for distracted drivers.
$646
per year
2. USAA
In 2020, USAA ranked #2 in Hawaii for the cheapest car insurance for distracted drivers.
$686
per year
3. State Farm
In 2020, State Farm ranked #3 in Hawaii for the cheapest car insurance for distracted drivers.
$911
per year
4. Farmers
In 2020, Farmers ranked #4 in Hawaii for the cheapest car insurance for distracted drivers.
$1,281
per year
5. Allstate
In 2020, Allstate ranked #5 in Hawaii for the cheapest car insurance for distracted drivers.
$1,501
per year

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 Companies in Hawaii for Drivers With Bad Credit

In many states, insurance companies use a driver’s credit score to influence rates. Experian found that the average credit score in America was 703 as of 2018, while Hawaii’s average was 723 during the same period. Despite Hawaii’s higher-than-average credit scores, however, credit scores cannot be used to inform insurance costs. Hawaii is one of a small group of states that does not allow insurers to weigh a driver’s credit score. While your credit score may not impact your car insurance rates in Hawaii, it can influence other aspects of life, including mortgage lending, loans and credit cards. Improving your credit score can help improve your finances overall.

Cheapest Car Insurance Companies in Hawaii for Seniors

Seniors may face unique factors when looking for car insurance in Hawaii, but they can often lower their rates by finding coverage that fits their stage of life. Retirees, for instance, typically drive less than they did when working and may need a different type of coverage. While many seniors are safe and alert drivers, others aren’t and can cause premiums to rise for everyone. Drivers aged 65 and above accounted for 13.2% of fatal traffic crashes in the state for 2017. Review the table below to get a sense of approximate costs for this population.

Average Car Insurance Rates for Seniors
Company
Amount
1. GEICO
In 2020, GEICO ranked #1 in Hawaii for the cheapest car insurance for seniors.
$646
per year
2. USAA
In 2020, USAA ranked #2 in Hawaii for the cheapest car insurance for seniors.
$657
per year
3. State Farm
In 2020, State Farm ranked #3 in Hawaii for the cheapest car insurance for seniors.
$835
per year
4. Allstate
In 2020, Allstate ranked #4 in Hawaii for the cheapest car insurance for seniors.
$1,112
per year
5. Farmers
In 2020, Farmers ranked #5 in Hawaii for the cheapest car insurance for seniors.
$1,281
per year

Hawaii’s DMV also sets specific rules around licensing senior citizens. They must apply for their license in person and successfully pass a vision test once every eight years up until the age of 72. Once they turn 72, licenses must be renewed every two years.

Cheapest Car Insurance for Students in Hawaii

Adding a teenager to your insurance policy will significantly increase your premium, but there are a few things your student can do to keep rates as low as possible. These include:

  • Maintain a clean driving record with no crashes or moving violations. Many insurance companies offer discounts for three years or more with a clean record.
  • Keep up the grades. Some insurance companies offer Good Student Discounts.
  • Only drive the family's oldest, least expensive car. Avoid driving convertibles, sports cars and SUVs as they are usually more expensive to insure.
  • You may also want to ask your insurance company about an "accident forgiveness" clause that guarantees premiums will not increase after one minor accident. If your child attends a nearby college and still lives at home, she/he will still be insured. If your child is away at school for nine months a year, you must inform your insurer of the move and find out if your child is still covered. If your child has no plans to drive at school, you may be able to remove her/him from your policy. Alternatively, some insurers offer a discount if your student lives more than 100 miles from where the insured vehicle is kept and doesn't have access to a car while at school.

Regardless of best intentions, teenagers often have higher rates of crashes due to possessing less experience behind the wheel. Because of this, insurance companies often charge higher car insurance premiums to protect them and others in the event of an accident. The table below takes a look at average monthly costs from a few of the top auto insurance companies in Hawaii.

Average Car Insurance Rates for Students
Company
Amount
1. State Farm
In 2020, State Farm ranked #1 in Hawaii for the cheapest car insurance for students.
$704
per year
2. GEICO
In 2020, GEICO ranked #2 in Hawaii for the cheapest car insurance for students.
$783
per year
3. Progressive
In 2020, Progressive ranked #3 in Hawaii for the cheapest car insurance for students.
$1,212
per year
4. Allstate
In 2020, Allstate ranked #4 in Hawaii for the cheapest car insurance for students.
$1,280
per year

Insurance Rate Information for Military Drivers and Veterans

Hawaii has more than 71,000 active, reserve and civilian-military personnel living in the state alongside 112,304 veterans. If your Hawaii driver's license expires during an overseas deployment, you have 90 days upon your return to the United States to renew it. Bring proof of deployment along with your other papers when you apply for renewal.

Before leaving for deployment, talk with your insurance agent about whether you can suspend parts of your auto insurance. If your car won't be used in your absence, this could be a safe way to save money on your premium.

Average Rates for Hawaii service members

male
25 years$1,319
50 years$1,319
female
25 years$1,319
50 years$1,319

Car Insurance in Hawaii: What You Need to Know

Hawaii requires insurance for all motor vehicles registered in the state and does a better job than most states of enforcing this rule. According to the Insurance Research Council, an estimated 10.6% of Hawaiian drivers are uninsured, which is well below the national average of 13%.

Motorcycle and motor scooter drivers are exempt from the personal injury protection (PIP) requirement. Still, they must purchase the same minimum bodily injury and property damage liability insurance as other drivers.

Proof of Insurance in Hawaii

You must carry a valid Hawaii motor vehicle insurance identification card in your vehicle at all times. If you don't, you can receive a ticket and a fine.

Minimum Liability Insurance Requirements in Hawaii

Hawaii requires all drivers of motor vehicles to carry the following minimum coverage:

  • $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

By law, your insurance agent must advise you of uninsured and underinsured motorist insurance options. If you choose to decline this insurance, you must do so in writing.

How Much Coverage Do You Need in Hawaii?

If you can afford it, experts recommend liability coverage of 100/300 — that is, $100,000 per person and $300,000 per accident, according to the Insurance Information Institute.

There are ways to reduce your premiums without reducing your coverage, such as bundling your auto and homeowners insurance. You can also keep your premiums down by maintaining a clean driving record.

Also, driving less can lower your premiums. If you rarely drive, you can reduce your premiums by 15–25% in some cases.

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Sources