Overall, the cheapest motorcycle insurance in Hawaii is offered by Progressive with median rate of $20 per month or $245 yearly.
Cheapest Motorcycle Insurance in Hawaii
Updated: December 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
For most riders in Hawaii, Progressive offers the cheapest motorcycle insurance with average annual rates of $100 for minimum coverage and $389 for full coverage.
Motorcycle insurance in Hawaii costs an average of $10 per month for minimum liability coverage and $37 monthly for full coverage policies.
Comparing multiple providers, taking motorcycle safety courses, and getting a full motorcycle license all can save you more on Hawaii motorcycle insurance.
Cheapest Motorcycle Insurance Companies in Hawaii
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Progressive | $20 | $245 |
Geico | $26 | $314 |
*Rates are a combined average of minimum and full coverage premiums for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
Cheapest Motorcycle Insurance by Category in Hawaii
Below we've summarized the lowest cost motorcycle insurance providers in Hawaii for the most common rider categories.
Cost Category | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Minimum Liability Coverage | Progressive | $8 |
Full Coverage | Progressive | $32 |
Young Riders | Progressive | $17 |
Seniors | Progressive | $8 |
Riders with a Speeding Ticket | Geico | $8 |
Riders with an At-Fault Accident | Progressive | $11 |
Riders with a DUI | Progressive | $11 |
*Minimum coverage and full coverage picks presented are for a 40-year-old rider with no driving violations who is insuring a 2023 Honda CRF450RL. Young riders are aged 16-25 and seniors are 65-80 for the base profile mentioned. The other cost profiles modify the base profile's driving history.
How Much Is Motorcycle Insurance in Hawaii?
The average annual cost of motorcycle insurance in Hawaii is around $119 for minimum coverage and $439 for full coverage. These costs make the state the 18th in affordability for minimum coverage and the 19th most expensive overall for full coverage motorcycle policies.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $10 | $119 | -35% |
Full Coverage | $37 | $439 | -23% |
*Rates are for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
How To Save on Hawaii Motorcycle Insurance
Below we'll detail key tips to help you save more on motorcycle insurance in Hawaii.
Choose a Coverage Level Beforehand
Knowing what coverage you actually need can save you from being convinced you need a higher-level policy than necessary.
Compare Multiple Providers
In order to get the best pricing, comparing multiple providers apples to apples in terms of coverage can help you save up to 16% on motorcycle policies in Hawaii. We recommend that you not only compare multiple companies but also use multiple means.
Take Advantage of Discounts
Many discounts are available to help you save including a pay-in-full, autopay, and military/membership reduction for most providers. Bundling motorcycle insurance with other policies is also another great way to save if you want to have coverage with your current provider.
Get a Full Motorcycle License
Getting a full motorcycle license instead of just an endorsement can save you a large sum on insurance for your bike. It works as a signal to insurers that you are less risky than other drivers, lowing premiums overall.
Cheap Motorcycle Insurance Hawaii: Bottom Line
When comparing options for Hawaii motorcycle insurance, we found that Geico and Progressive were the most affordable options out there. However, we still recommend that you compare around for yourself and take advantage of all savings opportunities available.
Hawaii Motorcycle Insurance: FAQ
Below we've answered some frequently asked questions about Hawaii motorcycle insurance:
Which company has the cheapest car insurance in Hawaii?
For full coverage and basic liability-only policies, Progressive offers the cheapest options in Hawaii. Rates for full coverage on average with the provider cost $32 per month and for minimum liability coverage it costs $8 monthly.
How much does motorcycle insurance cost for most riders in Hawaii?
The average cost of motorcycle insurance in Hawaii is $439 per year or $37 monthly for full coverage policies and $119 annually or $10 monthly for liability-only policies.
Do you need motorcycle insurance in Hawaii?
Yes, Hawaii requires that all riders have motorcycle insurance with at least 20/40/10 in liability coverage.
How We Chose The Cheapest Motorcycle Insurance in Hawaii
We chose our cheapest providers based on the following profile for motorcycle riders:
- 40 years old
- Drives a 2023 Honda CRF450RL
- Has a valid motorcycle endorsement
- Clean driving record
For minimum coverage we used state minimum requirements and for full coverage policies, we used a 100/300/50 liability split and a $1,000 deductible for collision and comprehensive insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!