Car Insurance in Hawaii: How to Find the Policy That Fits You

MoneyGeek has provided analysis and solutions for all your car insurance needs in Hawaii.

Find the Best or Cheapest Car Insurance in Hawaii

Whether you are looking for the cheapest car insurance in Hawaii or you are willing to spend more for the highest quality provider, MoneyGeek can help. We compiled thousands of quotes and determined the best companies offering affordability and customer quality using our own unique scoring system.

If you want to evaluate costs, we broke down how much you can expect to spend on car insurance based on a variety of factors, such as age, driving record and more.

MoneyGeek ranked companies to find the cheapest and best car insurance in Hawaii. Here’s a quick overview of what you can expect. Note that these rates are for a full coverage policy unless stated otherwise.

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THE CHEAPEST CAR INSURANCE COMPANIES IN HAWAII
  • Minimum liability: GEICO
  • Full coverage: GEICO
  • Drivers with a DUI: State Farm
  • After an accident: USAA
  • Drivers with a ticket: GEICO
  • Senior drivers: GEICO
  • Student drivers: State Farm
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THE BEST CAR INSURANCE COMPANIES IN HAWAII
  • Overall: GEICO
  • Customer Service: GEICO
  • On a Budget: GEICO
  • Poor Driving Record: GEICO
  • Military: USAA
  • Young Drivers: State Farm
  • New Cars: Allstate
  • Low-Mileage Drivers: Nationwide

Get a Hawaii Car Insurance Quote

In Hawaii, rates from different insurance providers can vary by as much as $811 for the same driver profiled. Just by comparing quotes, you’re more likely to save money on your premiums.

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Car Insurance Laws in Hawaii

Hawaii drivers need to follow Hawaii’s car insurance laws and requirements in order to legally drive in the state. Car insurance laws in Hawaii require drivers to carry the minimum amount of coverage as detailed below:

  • $20,000 in bodily injury per person
  • $40,000 in bodily injury per accident
  • $10,000 in property damage
  • $10,000 in personal injury protection

In Hawaii, you are permitted to drive with car insurance that meets the lowest required liability insurance coverage and personal injury protection coverage. However, the required coverage offers the least amount of protection. Hawaii only mandates low liability limits and doesn’t require comprehensive and collision insurance.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN HAWAII?

In Hawaii, an SR-22 is required for drivers who have a history of severe traffic violations, such as a DUI. If this is your situation, MoneyGeek calculated how much you can expect to pay and how to file an SR-22 in Hawaii with your insurer.

Specialty Car Insurance in Hawaii

Drivers in Hawaii with special circumstances may find that a traditional car insurance policy is not the best fit. MoneyGeek explored some alternative forms of car insurance in Hawaii. These alternatives include non-owner car insurance, temporary and low-income car insurances. Learn more about these unique types of car insurance in Hawaii below:

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

Non-owner car insurance in Hawaii is a good option for drivers who don’t own a vehicle, but frequently rent or borrow cars and need proof of insurance.

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Temporary car insurance

If you only need coverage for a few months, consider temporary car insurance in Hawaii. You can buy and cancel a regular policy before the term ends or purchase rental car insurance.

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Car insurance for low-income drivers

Drivers on a budget who qualify can apply for low-income car insurance in Hawaii.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.