Cheapest Car Insurance in Hawaii for 2026

GEICO is the cheapest car insurance in Hawaii at $64 a month for full coverage and $24 a month for minimum coverage, the lowest for both. Hawaii bans insurers from using age, gender, and credit as rating factors, so teens, seniors, and drivers with poor credit all pay close to what a 40-year-old with good credit pays. GEICO is cheapest for teens ($64 to $72 a month), seniors ($64 a month), and at-fault accidents ($93 a month), and its rate stays at $64 after a speeding ticket or texting, with no extra charge. State Farm is cheapest after a OUI/DUI at $99 a month.

Cheapest Minimum Coverage in Hawaii

GEICO is the cheapest minimum coverage in Hawaii at $24 a month, the only insurer under $30 and $12 below Island Insurance at $36. No other carrier is close on price, so the main thing you give up is service, where GEICO ranks fourth of five. That matters here because your insurer handles the other driver's claim when you cause a crash. On a minimum policy, the limit to watch is the $20,000 for property damage. If you cause a crash that totals someone's $40,000 car, you would owe the $20,000 above that limit yourself.

Cheapest Full Coverage in Hawaii

GEICO is the cheapest full coverage option in Hawaii at $64 a month, but it ranks last of the five insurers for coverage options. Farmers has the most coverage options in the state at $79 a month ($15 more), so it's the better pick if you want more than a basic policy. In Hawaii, switching to the cheapest insurer saves $39 a month and dropping from full to minimum saves $40, nearly the same, so choosing the right insurer matters as much as the coverage level.

GEICO is the cheapest insurer for teens in Hawaii at $72 a month, and because the state bans age-based pricing, that's only $8 more than the $64 an adult pays. The $72 rate holds from 16 through 20, then drops to $64 at 21, once the small experience-based difference no longer applies.

Teens file more claims than any other age group, so service matters here. GEICO ranks fourth of five for customer experience. State Farm costs $19 more at $91 a month but has a stronger service record, which can matter at an age when claims are more likely.

GEICO is the cheapest insurer for seniors in Hawaii at $64 a month. Because the state bans age as a rating factor, that's the same rate a 40-year-old pays.

Service is important to seniors because they file more claims than younger drivers and that's where GEICO is weaker, ranking fourth of five for customer experience, only handling claims by app and phone. Island Insurance costs more at $87 a month but ranks higher for service and is the state's only locally based insurer, so it offers in-person claims support that GEICO doesn't.

GEICO is the cheapest insurer in all 15 Hawaii cities, from $23 a month in Ewa Gentry to $29 in Kailua. Where you live barely moves the rate. Only $6 separates the cheapest city from the most expensive. Honolulu and Kailua are the priciest, which fits their heavier Oahu traffic, but GEICO is still cheapest in both. Your choice of insurer matters far more, since GEICO is cheaper by $15 a month.

GEICO doesn't raise your rate for a speeding ticket or a texting citation in Hawaii, so both stay at its $64 clean-record rate. An at-fault accident raises GEICO to $93 a month, $29 more, but it's still the cheapest option. The one violation that changes the cheapest insurer is a OUI/DUI. State Farm is cheapest at $99 a month and files the SR-22 Hawaii requires for three years after a conviction.

Once a DUI clears, re-quoting GEICO can save $35 a month, but its underwriting eligibility isn't guaranteed, so confirm before canceling your State Farm policy.