The Cheapest Car Insurance in Hawaii (June 2023)

In Hawaii, GEICO has the most affordable auto insurance policies for most driver profiles. But for certain types of drivers, State Farm and USAA offer the cheapest policies.

If you prefer to balance cost and service quality, we also listed the best car insurance in Hawaii.

Based on MoneyGeek’s analysis, these companies offer the most affordable car insurance in Hawaii, on average:

• GEICO: $223 per year
• Island Insurance: $333 per year

You can find the most expensive minimum coverage policies from Allstate at roughly $812 per year.

Minimum coverage car insurance in Hawaii includes bodily injury liability, property damage liability and personal injury protection.

A minimum coverage car insurance policy will only pay for damages you cause other people. It won’t reimburse your repair or replacement costs for your own car. Full coverage car insurance, also known as comprehensive and collision insurance, provides broader protection and extends its coverage to your own vehicle.

MoneyGeek’s research indicates that these providers have Hawaii’s cheapest full coverage car insurance:

• GEICO: $601 per year
• 21st Century: $664 per year

Allstate’s full coverage policy is the most expensive in Hawaii at approximately $1,877 per year.

Your auto insurance premiums will increase by having comprehensive and collision coverage. You’ll pay $378 more if you choose GEICO’s full coverage option over its minimum coverage package. Despite its higher cost, a full coverage policy provides more protection as it covers on and off-road damages. It protects you from damages due to hit-and-run, floods, vandalism and more.

Your insurance costs are impacted by how much insurance you need. We used these limits for our sample full coverage policy:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage liability per accident

To reduce your car insurance premiums, you can:

• lower your liability limits
• remove comprehensive and collision coverage
• increase your deductible

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.

How much you spend on car insurance in Hawaii is impacted by your age. State Farm and GEICO offer the most affordable options for different age groups in your family.

On average, these insurers have the lowest car insurance rates in Hawaii for a young driver on their parent’s profile:

• State Farm: $709 per year for male and female teens
• GEICO: $735 per year for male and female teens

Car insurance premiums for teens decrease as they age, with the cheapest rates going to 19-year-olds across the state. Hawaii's most affordable provider for 19-year-old males is State Farm ($709 per year).

At around $1,569 per year, Progressive offers the least affordable car insurance for teenagers on their parent’s policy. Generally, auto insurance is cheaper when a teen is added to their parent’s policy as opposed to getting their own coverage. In Hawaii, it is roughly $259 cheaper for young male drivers to be included in their parent’s policies compared to purchasing their own insurance.

If your family is insuring a student, check to see if you qualify for discounts that may help lower your premiums. 21st Century and GEICO offer good student discounts. Allstate, Progressive and State Farm offer distant student discounts and good student discounts.

On average, MoneyGeek’s analysis found that these insurers have Hawaii’s lowest rates for drivers in their 20s:

• GEICO: $601 per year
• 21st Century: $664 per year

Conversely, Allstate’s $1,877 per year is the priciest for young adults in the state. On average, car insurance is more expensive for young adult drivers compared with middle-aged motorists. However, this is not the case in Hawaii.

MoneyGeek’s research shows that these providers have the cheapest car insurance in Hawaii for senior drivers, on average:

• GEICO: $601 per year
• State Farm: $664 per year

Progressive has the most expensive rates for older adults in the state at approximately $1,877 per year. Generally, senior drivers pay less for auto insurance compared with middle-aged drivers. However, your insurance costs will usually go up once you hit your 70s and 80s. That said, this is not the case in Hawaii.

Senior drivers might be able to save on their premiums with senior driving discounts. 21st Century, Allstate 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.

Drivers with violations tend to pay higher insurance premiums because insurers deem them riskier to insure. If you have a speeding ticket, you can get the cheapest car insurance in Hawaii from GEICO.

GEICO is also most affordable for drivers in the state accidents on their records, as well as for owners of sports cars. If you have a with DUI, 21st Century is cheapest.

On average, these insurers have the lowest car insurance prices in Hawaii if you have a speeding ticket:

• GEICO: $601 per year
• 21st Century: $664 per year

At approximately $2,652 per year, Allstate has the highest rates in the state for the same driver profile. Auto insurance premiums in Hawaii are around $239 more expensive for drivers with speeding tickets compared with motorists with clean records.

MoneyGeek’s analysis shows that drivers with at-fault accidents on their records can find the cheapest car insurance in Hawaii from these providers, on average:

• GEICO: $916 per year
• 21st Century: $1,039 per year

Conversely, Allstate’s coverage is the most expensive at roughly $2,874 per year. If you have an at-fault accident on your record, you may have to pay around $478 more for car insurance compared with someone with a clean driving history.

Based on MoneyGeek’s research, drivers with DUIs can find the most affordable car insurance in Hawaii from these companies, on average,

• 21st Century: $1,103 per year
• State Farm: $1,336 per year

Meanwhile, Island Insurance Group has the least affordable rates at approximately $7,694 per year.

Our calculations show that having a DUI can result in up to a $2,705 increase in your car insurance rates.

If you’re driving a sports car, you can get the lowest average car insurance rates in Hawaii from these insurers:

• GEICO: $754 per year
• 21st Century: $781 per year

Allstate’s $2,265 per year average rate is the most expensive car insurance in the state for sports car drivers. Generally, auto insurance is more expensive if you’re driving a sports car. This is because insurance companies view sports car drivers as riskier to insure. However, in Hawaii, a sports car driver pays roughly $279 more annually than a driver of a Toyota Camry.

Our team used a Ford Mustang as the sample sports car in this guide. However, your insurance rates may change significantly depending on your car model. On average, luxury, electric and sports cars have higher insurance costs. That said, this might not be true in your state.

If you’re a veteran or an active-duty military member, USAA offers the cheapest car insurance in Hawaii. On average, it costs $556 per year, which is slightly more affordable than GEICO’s $601 per year average.

Your car insurance rate is affected by your location. If you live in a neighborhood with a high incidence of theft, vandalism or accidents, insurance companies will see you as riskier to insure and charge you higher premiums.

MoneyGeek’s research shows that Urban Honolulu offers the cheapest full coverage car insurance in Urban Honolulu, Hawaii, at around $737 per year from GEICO.

Click to learn more about the city’s car insurance rates.

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 may require you to increase your coverage and get SR-22 insurance if you have repeated or severe driving violations.

We recommend that you buy these limits for your car insurance:

• $100,000 in bodily injury liability per person and $300,000 per accident
• $100,000 in property damage insurance per accident

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.

It’s common to have questions about cost and quality if you’re in the market for an auto insurance policy. MoneyGeek answered some frequently asked questions about car insurance in Hawaii to help you get started.