Unique factors like age, location and driving history all play a role in deciding the cost of car insurance premiums. To find the best car insurance in Hawaii, MoneyGeek looked at factors like affordability, customer satisfaction and more. You can find the right coverage for your needs and save money on premium payments by shopping around and getting quotes from multiple providers. Comparing car insurance rates from some of the most affordable providers in Hawaii could help you save up to $811.
The Best Cheap Car Insurance in Hawaii for 2021
The Cheapest and Best Car Insurance in Hawaii
Cheapest Minimum Liability Car Insurance Companies and Quotes in Hawaii
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:
- USAA: $297 per year (only available to current and former military members)
- GEICO: $333 per year
The most expensive car insurance for minimum coverage is Progressive, costing $739 per year on average.
Average Cost for Minimun Liability Coverage
These prices are only estimates based on rates for an average Hawaii driver and should not be used to compare insurance prices.
A minimum coverage policy in Hawaii is the cheapest available but only covers bodily injury and property damage liability insurance and personal injury protection. Drivers looking to cover damages to their own car, or boost their protection against higher liability costs, should buy a full coverage policy.
Cheapest Full Coverage Car Insurance in Hawaii
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 in Hawaii for full coverage are:
- GEICO: $646 per year
- USAA: $657 per year (only available to current and former military members)
Progressive offers the costliest full coverage with average yearly prices of $1,457.
Average Comprehensive and Collision Rates 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.
The Best Car Insurance Companies in Hawaii for 2021
Based on MoneyGeek’s data, the best car insurance companies in Hawaii for most drivers are:
- Best Overall: GEICO
- Runner-up: State Farm
USAA received the highest score in Hawaii by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
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.
USAA is MoneyGeek’s top company in Hawaii, balancing customer service, affordability and financial stability. It only serves current and former military members and their families.
USAA gets consistent rankings as one of the cheapest and best insurance companies in the United States. This is true in Hawaii as well. If your parents are also USAA policyholders, you may be eligible for a discount, as this carrier rewards drivers with savings if their families stay loyal.Read MoneyGeek's USAA auto Insurance Review
GEICO is the runner-up in MoneyGeek’s Hawaii rankings. It stands out with impressive scores for claims processing efficiency, affordability and financial stability.
GEICO offers many excellent features to its customers. These include a convenient mobile app that you can use to easily track your policy and submit claims. Plus, you can utilize the quote tool to get an accurate rate and adjust your coverages. It’s a great option for those who don’t qualify for USAA.Read MoneyGeek's GEICO auto Insurance Review
While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.
List of the Largest Insurance Companies in Hawaii
The three biggest insurers in Hawaii in terms of market share are GEICO, State Farm and USAA. Market share is calculated as the number of premiums written by an insurance company divided by the total number of premiums written in the state. A large provider is more likely to have financially sound processes and can pay out claims without hassle. However, larger companies may not always have the most affordable rates or best policies.
- CompanyMarket Share
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. Enter your ZIP code below to compare quotes.
- 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.
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
Hawaii drivers with a severe driving offense, such as a DUI, may be charged higher rates. 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 companies in Hawaii for a driver with a DUI and full coverage are:
- State Farm: $911 per year
- USAA: $1,294 per year (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 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 for Drivers With Tickets in Hawaii
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
- USAA: $686 per year (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.
Cheapest Car Insurance Companies in Hawaii for Drivers With Bad Credit
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 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 in Hawaii for Seniors
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 Florida for senior drivers with full coverage are:
- GEICO: $646 per year
- USAA: $657 per year (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.
Cheapest Car Insurance for Students in Hawaii
In most states, young student drivers tend to be charged much higher rates than adult drivers because of their inexperience. However, in Hawaii, student drivers pay less than the average adult driver for their auto insurance coverage. The average annual rate for a student driver is $995 compared to $1,066 for the average adult driver.
The cheapest car insurance companies in Hawaii for student drivers with full coverage are:
- State Farm: $704 per year
- GEICO: $783 per year
By comparison, USAA and GEICO are the most affordable companies for adult drivers in Hawaii.
Average Car Insurance Rates for Students
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.
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
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.
Average Insurance Rate by City in Hawaii
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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.
About the Author
- AAA. "Hawaii Laws & Rules." Accessed March 10, 2020.
- Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving State Fact Sheets." Accessed January 13, 2021.
- Defense Manpower Data Center. "Military and Civilian Personnel by Service/Agency by State/Country." Accessed March 10, 2020.
- Driving Laws. "Learn about drunk driving laws in all 50 states." Accessed March 10, 2020.
- Experian. "2019 Consumer Credit Review." Accessed March 3, 2020.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed March 10, 2020.
- National Association of Insurance Commissioners. "2018 Market Share Reports." Accessed March 10, 2020.
- National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed January 13, 2021.
- QuoteWizard. "How Long Does a DUI or DWI Stay on Your Driving Record?." Accessed March 10, 2020.
- State of Hawaii Department of Transportation. "April is National Distracted Driving Awareness Month." Accessed March 10, 2020.
- U.S. Department of Veterans Affair. "Veterans as a Percent of County Population." Accessed March 10, 2020.