Updated: December 1, 2024
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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 companies in Hawaii.
CheapestCar InsuranceHawaiiWhy 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.
These rates reflect the cheapest car insurance quotes in Hawaii as of 2024.
These companies offer the most affordable car insurance in Hawaii, on average:
Progressive offers Hawaii's most expensive minimum coverage policies, averaging around $473 per year.
Minimum car insurance coverage in Hawaii includes bodily injury, property damage and personal injury protection.
| GEICO | $275 | $23 |
| Island Insurance Group | $333 | $28 |
| State Farm | $371 | $31 |
| Farmers | $374 | $31 |
| Allstate | $426 | $35 |
| Progressive | $473 | $39 |
A minimum coverage policy pays only for damage you cause to others and doesn’t cover repairs or replacement for your car. Full coverage, which includes comprehensive and collision insurance, provides broader protection by covering damage to your vehicle.
Find the Best Car Insurance in Hawaii for You
The amount of coverage you need will depend on your situation and insurance needs.
The table above shows the cheapest car insurance premiums for minimum coverage in Hawaii.
MoneyGeek studied the best car insurance providers in Hawaii based on cost and quality of service.
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.
These providers have Hawaii’s cheapest full coverage car insurance:
Progressive’s full coverage policy is the most expensive in Hawaii at around $1,095 annually.
Adding comprehensive and collision coverage will raise your auto insurance premiums. For example, GEICO's full coverage option costs $394 more than its minimum coverage. Despite the higher cost, full coverage offers better protection, including damage from hit-and-run incidents, floods and vandalism.
| GEICO | $669 | $56 |
| Farmers | $739 | $62 |
| State Farm | $833 | $69 |
| Island Insurance Group | $871 | $73 |
| Allstate | $970 | $81 |
| Progressive | $1,095 | $91 |
The coverage amount you need affects your insurance costs. We used these limits for our sample full coverage policy:
To reduce your car insurance premiums, you can:
However, doing these things may leave you with inadequate coverage.
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.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 06, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Your age impacts how much you spend on car insurance in Hawaii. State Farm offers the most affordable options for teens, while GEICO provides the cheapest rates for young adults and seniors.
In Hawaii, the lowest car insurance rates for teens on a family policy are:
Progressive is the most expensive, charging teenagers about $1,569 per year on their parents' policy.
Teen car insurance rates drop as they age, with 19-year-olds getting the best rates. Adding a teen to a parent's policy is generally cheaper than an individual policy. In Hawaii, it's about $259 less for young male drivers to be on their parent's policy than getting their own insurance.
| State Farm | $709 | $709 |
| GEICO | $735 | $735 |
| 21st Century | $832 | $900 |
| Allstate | $1,084 | $1,478 |
| Progressive | $1,569 | $2,403 |
On average, car insurance rates for male teens tend to be significantly more expensive than for female teens due to their higher risk of accident frequency. This rate difference is not as notable when drivers reach their 20s and beyond. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
If your family is insuring a student, check to see if you qualify for discounts that help lower your premiums. GEICO and 21st Century offer good student discounts. Allstate, Progressive and State Farm offer distant student discounts and good student discounts.
These insurers have Hawaii’s lowest rates for drivers in their 20s:
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.
| GEICO | $669 | $56 |
| Farmers | $739 | $62 |
| State Farm | $833 | $69 |
| Island Insurance Group | $871 | $73 |
| Allstate | $970 | $81 |
| Progressive | $1,095 | $91 |
The cheapest car insurance providers for senior drivers in Hawaii are:
Progressive is the most expensive, at about $1,095 per year.
Senior drivers typically pay less than middle-aged drivers, though costs often rise in the 70s and 80s. However, insurance costs for seniors in Hawaii remain relatively low.
| GEICO | $669 | $56 |
| Farmers | $739 | $62 |
| State Farm | $833 | $69 |
| Island Insurance Group | $871 | $73 |
| Allstate | $970 | $81 |
| Progressive | $1,095 | $91 |
Senior drivers might be able to save on their premiums with senior driving discounts. Allstate, 21st Century 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.
In Hawaii, State Farm offers the cheapest car insurance for drivers with a history of accidents or DUI. GEICO provides the lowest rates for sports car owners and drivers with a traffic ticket.
Cheapest after a ticket: GEICO ($669 per year)
Cheapest after an accident: State Farm ($1,010 per year)
Cheapest after a DUI: State Farm ($923 per year)
Cheapest for sports cars: GEICO ($821 per year)
The insurers with the lowest rates for drivers with a speeding ticket in Hawaii are:
Progressive has the highest rates for this profile, at about $1,526 per year. On average, insurance premiums in Hawaii are about $166 higher for drivers with speeding tickets than for those with clean records.
| GEICO | $669 | $56 |
| Farmers | $739 | $62 |
| State Farm | $923 | $77 |
| Island Insurance Group | $948 | $79 |
| Allstate | $1,369 | $114 |
| Progressive | $1,526 | $127 |
Drivers with at-fault accidents on their records can find the cheapest car insurance in Hawaii from these providers, on average:
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 $393 more for car insurance than someone with a clean driving history.
| State Farm | $1,010 | $84 |
| GEICO | $1,018 | $85 |
| Farmers | $1,156 | $96 |
| Island Insurance Group | $1,174 | $98 |
| Allstate | $1,484 | $124 |
| Progressive | $1,692 | $141 |
Drivers with DUIs can find the most affordable car insurance in Hawaii from:
Island Insurance Group charges the highest rates, averaging about $7,694 per year. A DUI typically raises car insurance rates by around $2,464.
| State Farm | $923 | $77 |
| Farmers | $1,227 | $102 |
| Progressive | $1,910 | $159 |
| Allstate | $2,997 | $250 |
| GEICO | $5,212 | $434 |
| Island Insurance Group | $7,694 | $641 |
If you drive a sports car, these insurers offer the lowest average car insurance rates in Hawaii:
Progressive has the highest rates for sports car drivers, averaging $1,362 annually.
Insurance for sports cars is generally more expensive because insurers see drivers of these vehicles as higher risk. In Hawaii, sports car drivers pay about $176 more annually than those driving a Toyota Camry.
| GEICO | $821 | $68 |
| Farmers | $872 | $73 |
| State Farm | $1,034 | $86 |
| Allstate | $1,167 | $97 |
| Progressive | $1,362 | $114 |
We used a Ford Mustang as the sample sports car in this analysis. However, premiums may vary significantly depending on the model. Generally, insuring luxury, electric and sports cars is more expensive than other vehicle types.
USAA provides Hawaii's lowest car insurance rates for active-duty military members and veterans, costing about $545 per year. It offers special coverage benefits and discounts for military personnel.
Your car insurance rate depends on where you live. In areas with high theft, vandalism or accident rates, insurers consider you a higher risk and may charge higher premiums.
In urban Honolulu, Hawaii, the lowest full coverage car insurance from GEICO costs about $818 per year.
| Urban Honolulu | GEICO | $818 |
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.
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.
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.
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.
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:
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.
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.
MoneyGeek answered some of the most frequently asked questions about the cost and quality of car insurance in Hawaii.
For affordable car insurance in Hawaii, GEICO stands out with basic coverage costing roughly $275 annually. However, the best option varies by driver. State Farm is the go-to for teenagers, while GEICO is preferred by young adults, seniors, those with traffic violations, and sports car drivers. The average car insurance cost in Hawaii is around $863 per year.
In Hawaii, GEICO offers the lowest-priced car insurance, covering damages to others but not your vehicle. This is ideal if you're focused on saving money and can handle minimal coverage. If you're seeking a balance between affordability and comprehensive protection, consider Farmers for the best car insurance in Hawaii.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.
