The cheapest full coverage car insurance in Hawaii is $99 , saving you $27 compared to the average cost of insurance in the state, which is around $126 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Hawaii, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Hawaii should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, Geico stands out as the cheapest option for full coverage car insurance in Hawaii, with an insurance premium of $99 per month.
- Drivers in Hawaii with a clean record pay 68% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Hawaii is Anahola, with an annual premium of $1,347 .
- Hawaii drivers can save up to 21% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance in Hawaii?
Based on data analysis by CarInsurance.com, Geico provides the cheapest full coverage auto insurance rates for Hawaii drivers at a monthly rate of $99 or $1,184 a year.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Hawaii. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Hawaii per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Geico | $99 |
| Progressive | $107 |
| Farmers | $125 |
| Island Insurance | $148 |
| Allstate | $157 |
| State Farm | $162 |
| USAA* | $89 |
Note: USAA is only available to military community members and their families.
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Hawaii drivers who pay lower insurance premiums
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Hawaii drivers with clean records pay 68% less than drivers who have a DUI on their records.
- Hawaii drivers in their 20s pay 13% lower rates for insurance than a 16-year-old in Hawaii.
- Adding a teen to your policy will cost you 96% less than having the teen purchase their own auto insurance policy.
- Drivers insured for three or more years can save up to 22% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 6% for this state more on their premiums.
Cheapest Hawaii companies for different coverage levels
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- Geico has the cheapest rates for a liability-only policy (50/100/50).
- Geico offers the cheapest car insurance for a full coverage policy (100/300/100) in Hawaii.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Hawaii
Hawaii requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $20,000/$40,000 |
| Minimum property damage liability | $10,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Hawaii, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Geico | $258 |
| Farmers | $408 |
| Island Insurance | $415 |
| Progressive | $452 |
| State Farm | $496 |
| Allstate | $500 |
| USAA* | $246 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Hawaii
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Here are the average annual rates for liability insurance coverage from major carriers in Hawaii, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Geico | $432 |
| Island Insurance | $556 |
| Farmers | $572 |
| State Farm | $674 |
| Allstate | $702 |
| Progressive | $726 |
| USAA* | $347 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Hawaii
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The table below lists major insurance providers in Hawaii based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full Coverage Annual Rates |
|---|---|
| Geico | $1,184 |
| Progressive | $1,279 |
| Farmers | $1,495 |
| Island Insurance | $1,771 |
| Allstate | $1,882 |
| State Farm | $1,938 |
| USAA* | $1,067 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest auto insurance in Hawaii by driving history
Your driving history impacts insurance premiums in Hawaii, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Hawaii, drivers with a history of traffic violation pay an average of $1,000 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates after a speeding ticket in Hawaii
A speeding ticket can impact your Hawaii car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,218 a year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,116 | $1,218 | 9% | $103 |
| Farmers | $1,436 | $1,635 | 14% | $199 |
| Progressive | $1,389 | $1,799 | 30% | $410 |
| Allstate | $1,606 | $2,227 | 39% | $622 |
| Island Insurance | $1,713 | $8,977 | 424% | $7,264 |
| USAA* | $1,107 | $1,159 | 5% | $51 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Hawaii after a DUI conviction
CarInsurance.com analyzed insurance rates for Hawaii drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,218 . Progressive is the second-cheapest insurer at an average of $2,168 per year.
Drivers with clean driving records can expect to pay an average of 68% less than those with a history of DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,116 | $1,218 | 9% | $103 |
| Progressive | $1,389 | $2,168 | 56% | $779 |
| Farmers | $1,436 | $2,477 | 73% | $1,041 |
| Allstate | $1,606 | $4,069 | 153% | $2,463 |
| Geico | $962 | $6,684 | 595% | $5,722 |
| Island Insurance | $1,713 | $14,531 | 748% | $12,818 |
| USAA* | $1,107 | $2,230 | 101% | $1,123 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in Hawaii after an at-fault accident
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,321 .
Geico is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,403 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,116 | $1,321 | 18% | $206 |
| Geico | $962 | $1,403 | 46% | $441 |
| Progressive | $1,389 | $1,958 | 41% | $569 |
| Island Insurance | $1,713 | $2,283 | 33% | $570 |
| Farmers | $1,436 | $2,327 | 62% | $891 |
| Allstate | $1,606 | $2,424 | 51% | $818 |
| USAA* | $1,107 | $1,356 | 22% | $249 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Average savings on car insurance in Hawaii
By comparing car insurance quotes, you can save an average of 21% per year for a full coverage policy in Hawaii.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Hawaii: Save on premiums
Hawaii drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Hawaii.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 2% | $39 |
| Anti-theft device | 1% | $22 |
| Daily commute | 9% | $183 |
| Days advanced purchase | 9% | $187 |
| Days per week driven | 6% | $119 |
| Education | 3% | $47 |
| Electronic funds transfer | 5% | $72 |
| Electronic signature | 3% | $47 |
| Homeowner | 3% | $45 |
| Loyalty – years renewal with company | 12% | $217 |
| Multi policy | 7% | $110 |
| Paperless/electornic documents | 5% | $72 |
| Payment type | 15% | $225 |
| Primary use | 9% | $155 |
| Safety devices | 2% | $44 |
| Telematics | 14% | $161 |
| Years insured | 20% | $528 |
Final thoughts on cheap car insurance in Hawaii
Based on our findings, Geico provides the cheapest rates for a full coverage policy in Hawaii if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Hawaii, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Hawaii for three different coverage levels:
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Hawaii