The Cheapest Car Insurance in Hawaii for 2022

There are several factors affecting car insurance rates in Hawaii, including driving history and coverage levels. GEICO offers the most affordable policy in Hawaii for the average driver, but other carriers may also be good options depending on your profile.

For instance, State Farm offers the lowest rate for seniors or if you have a DUI on your record. USAA is another affordable option for former and current military members and their families.

For those looking for an even more local solution, we also broke down the cheapest companies by city, as well as the best car insurance companies in Hawaii for those looking to balance quality service and cost.

To find out how MoneyGeek calculated the cheapest car insurance in Hawaii, read our methodology.

cheapestauto insuranceHawaii2022

The Cheapest Car Insurance in Hawaii

Cheapest for minimum liability - GEICO

Cheapest for full coverage - GEICO

Cheapest for drivers with a DUI - State Farm

Cheapest after an accident - USAA

Cheapest for drivers with a ticket - GEICO

Cheapest for senior drivers - GEICO

Cheapest for student drivers - State Farm

Vehicle owners need to have auto insurance in Hawaii. The cheapest car insurance is a minimum liability coverage policy that meets the state’s car insurance requirements.

The cheapest providers of minimum coverage in Hawaii are:

• GEICO: $333 per year
• State Farm: $436 per year

USAA is the cheapest auto insurance for military at roughly $297 per year, but USAA is only available to current and former military members.

The most expensive car insurance for minimum coverage is Progressive, costing $739 per year on average.

Cheapest Minimum Car Insurance in Hawaii

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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Ideally, you should get car insurance quotes to find the lowest rates. A full coverage policy with higher liability limits and comprehensive and collision insurance will ensure you’re protected against most road accidents and off-road incidents in Hawaii. It will cost more than minimum coverage, but it protects against the cost of damages to your car, not just others.

The cheapest car insurance carriers for full coverage in Hawaii are:

• GEICO: $646 per year
• State Farm: $835 per year

USAA is the second-cheapest option and costs roughly $657 per year. However, these policies are only available to current and former military members.

Progressive offers the costliest full coverage with average yearly prices of $1,457.

Cheapest Full Coverage Car Insurance in Hawaii

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.

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

Add Student Driver

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

3.

State Farm

$541

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Hawaii drivers with a severe driving offense, such as a DUI, may be charged higher rates, and they might also need to file an SR-22. The average cost of car insurance for drivers with a DUI in Hawaii is $3,346 per year compared to $1,066 for the average driver with a spotless record.

The cheapest car insurance options for a driver with a DUI and full coverage in Hawaii are:

• State Farm: $911 per year
• Progressive: $2,344 per year

USAA is the second most affordable option and costs roughly $1,294 per year, but it is only available to current and former military members.

In comparison, GEICO and USAA are the most affordable companies in Hawaii for drivers with no record.

Average Car Insurance Rates With a DUI

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.

If you are convicted of a DUI in Hawaii, plan for auto insurers to charge you a higher premium. Unless you receive another DUI, the charge will eventually 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.

Having an at-fault accident on your driving record causes your annual premium to increase. In Hawaii, drivers with at-fault accidents pay $1,397 per year on average for car insurance. That’s $331 more expensive than a driver with a clean record which costs an average of $1,066 yearly.

MoneyGeek compared several car insurance companies and found the ones with the cheapest policies for drivers with at-fault accidents on their records to be:

• GEICO: $924 per year
• State Farm: $987 per year

If you’re eligible, you can purchase a policy from USAA for $805 per year on average.

Cheapest Car Insurance With an At-Fault Accident

Hawaii drivers with minor driving violations on their record, such as tickets, tend to be charged higher rates than those with a clean record. In Hawaii, a driver with a speeding ticket needs to shell out $1,253 per year on average for their car insurance compared to $1,066 for the average driver with no record.

The most affordable car insurers in Hawaii for a driver with a speeding ticket and full coverage are:

• GEICO: $646 per year
• State Farm: $911 per year

USAA is the second-cheapest option at around $686 per year but is only available to current and former military members.

These two providers also offer the cheapest full coverage insurance for drivers with a clean record in Hawaii.

Average Car Insurance Rates With a Ticket

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.

Unlike other states, car insurers in Hawaii cannot use your credit score to determine your costs. However, it’s still important to maintain a healthy credit score as it can help you with other financial needs like credit cards, loans and mortgage lending.

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 do 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.

In most states, senior drivers are charged slightly higher rates than the average. However, in Hawaii, senior drivers pay the same average amount for their car insurance as the typical adult driver. This rate is $1,066 per year.

The least expensive carriers in Hawaii for senior drivers with full coverage are:

• GEICO: $646 per year
• State Farm: $835 per year

USAA is the second most affordable option at roughly $657 per year, but it is only available to current and former military members.

These two providers also offer the cheapest full coverage for the average driver who is 40 years old.

Average Car Insurance Rates 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.

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.

Age doesn’t impact your insurance rates in Hawaii, but location, driving history and coverage levels do. In most states, young drivers pay higher premiums because of their inexperience. In Hawaii, however, the reverse is true.

Car insurance for young drivers is cheaper in this state, although only slightly. An average driver pays $1,066 for coverage. A 16-year-old pays $995 a year on average, while for 25-year-olds, it’s an average of $993 annually.

Among the various car insurance companies in Hawaii, GEICO is commonly the most affordable for teen drivers aged 16–25.

Annual Car Insurance In Hawaii for Young Drivers

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• Age
  Average Cost
  Cheapest Company
  Company Cost
• 16
  $995
  State Farm
  $704
• 17
  $995
  State Farm
  $704
• 18
  $995
  State Farm
  $704
• 19
  $1,022
  GEICO
  $708
• 20
  $1,022
  GEICO
  $708
• 21
  $1,003
  GEICO
  $635
• 22
  $1,006
  GEICO
  $635
• 23
  $993
  GEICO
  $635
• 24
  $993
  GEICO
  $635
• 25
  $993
  GEICO
  $635

Show more

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.

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

25 years$1,319
50 years$1,319

25 years$1,319
50 years$1,319

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.

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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• City
  Annually
  Monthly
• 1.
  Honolulu
  $1,066
  $89

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

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About the Author

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Katy McWhirter is a professional writer and owner of Heritage Creatives, a boutique historical branding agency. She has experience in nonprofit management, marketing, personal finance, government relations and education from her decade-plus writing career. Katy’s work has been featured in both the United States and abroad, highlighting the need for research-driven, accessible information on financial topics.

Katy earned her bachelor’s degree in social entrepreneurship from Belmont University in Nashville, Tennessee, and her master’s degree in modern history from the University of York in England. She spends her free time with her husband and two cats, restoring their 1901 home in Louisville and reading up on all things personal finance.

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