- According to recent data, GEICO offers the cheapest full coverage car insurance in Hawaii at $108 per month.
- Hawaii drivers with a clean driving record pay 241% less for car insurance than drivers with a DUI.
- In Hawaii, the city of Kahului has the most affordable car insurance rates at $1,708 annually.
- Comparing price quotes from multiple insurers can help you save up to 26% per year on your car insurance policy in Hawaii.
You can find the cheapest full-coverage car insurance in Hawaii for $108 a month from GEICO. It saves you $38 compared to the state average car insurance cost of $146 monthly.
Shopping for car insurance in Hawaii can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
Which company offers the cheapest car insurance in Hawaii?
GEICO offers the cheapest car insurance rates in Hawaii for a full coverage policy with an average premium of $108 per month or around $1,296 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Hawaii by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Hawaii per month
| Company | Full coverage monthly rates |
|---|---|
| GEICO | $108 |
| Progressive | $111 |
| Farmers | $144 |
| Island Insurance | $161 |
| Allstate | $199 |
| State Farm | $207 |
| USAA* | $95 |
Hawaii drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Hawaii drivers with clean records pay 241% less than drivers who have a DUI on their record.
- Hawaii drivers in their 20s pay 9% 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 who are licensed for three or more years pay 15% less on their insurance premiums.
- Drivers insured for three or more years can save up to 26% 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
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
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
In Hawaii, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists Hawaii’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| GEICO | $289 |
| Island Insurance | $442 |
| Farmers | $495 |
| Progressive | $536 |
| State Farm | $649 |
| Allstate | $670 |
| USAA* | $261 |
Cheapest insurance providers for liability-only coverage in Hawaii
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
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 | $340 |
| Island Insurance | $518 |
| Farmers | $537 |
| Progressive | $625 |
| Allstate | $745 |
| State Farm | $784 |
| USAA* | $295 |
Cheapest car insurance companies in Hawaii for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
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 | $1,296 |
| Progressive | $1,332 |
| Farmers | $1,729 |
| Island Insurance | $1,936 |
| Allstate | $2,389 |
| State Farm | $2,478 |
| USAA* | $1,140 |
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in Hawaii, by driving history
Your driving history affects how much you pay for insurance in Hawaii because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $1,631 more annually in Hawaii than an individual with a clean driving record.
Cheap car insurance in Hawaii after a speeding ticket
If you have a speeding ticket on your Hawaii driving record and you are looking for cheap car insurance, Progressive offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,735 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $1,332 | $1,735 | 30% | $403 |
| Farmers | $1,729 | $2,096 | 21% | $367 |
| State Farm | $2,478 | $2,717 | 10% | $239 |
| Allstate | $2,389 | $3,346 | 40% | $957 |
| Island Insurance | $1,936 | $10,195 | 427% | $8,259 |
| USAA* | $1,140 | $1,192 | 5% | $52 |
Cheap car insurance rates after a DUI conviction in Hawaii
CarInsurance.com analyzed insurance rates for Hawaii drivers with DUI convictions and we found that Progressive provides the cheapest car insurance rates at an average annual premium of $2,100 . State Farm is the second-cheapest insurer at an average of $2,717 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 241% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $1,332 | $2,100 | 58% | $768 |
| State Farm | $2,478 | $2,717 | 10% | $239 |
| Farmers | $1,729 | $3,013 | 74% | $1,284 |
| Allstate | $2,389 | $6,008 | 151% | $3,619 |
| GEICO | $1,296 | $9,100 | 602% | $7,804 |
| Island Insurance | $1,936 | $16,509 | 753% | $14,573 |
| USAA* | $1,140 | $2,305 | 102% | $1,165 |
Cheap car insurance companies in Hawaii after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Progressive, at $1,893 a year.
On the other hand, GEICO offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,896 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $1,332 | $1,893 | 42% | $561 |
| GEICO | $1,296 | $1,896 | 46% | $600 |
| Island Insurance | $1,936 | $2,584 | 33% | $648 |
| Farmers | $1,729 | $2,828 | 64% | $1,099 |
| State Farm | $2,478 | $2,956 | 19% | $478 |
| Allstate | $2,389 | $3,668 | 54% | $1,279 |
| USAA* | $1,140 | $1,408 | 24% | $268 |
Check out the most affordable insurance options in your neighboring state
Which cities in Hawaii have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Hawaii is Kahului, at $1,708 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Hawaii with the lowest auto insurance rates.
| City | Full coverage annual rates |
|---|---|
| Kahului | $1,708 |
| Honolulu | $1,747 |
| Kaneohe | $1,751 |
| Kapolei | $1,751 |
| Mililani Town | $1,751 |
| Pearl City | $1,751 |
| Ewa Gentry | $1,770 |
| Waipahu | $1,770 |
| Kailua | $1,820 |
| Hilo | $1,889 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on auto insurance in Hawaii?
Shopping around for car insurance quotes in Hawaii can help drivers save 26% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Hawaii: Save on premiums
Car insurance discounts in Hawaii can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Hawaii.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount type | % difference | $ difference |
|---|---|---|
| Air Bags | 5% | $89 |
| Anti-Theft Device | 1% | $17 |
| Comp and Coll Deductibles | 16% | $274 |
| Daily Commute | 6% | $111 |
| Days Advanced Purchase | 7% | $125 |
| Days Per Week Driven | 7% | $116 |
| Education | 5% | $94 |
| Electronic Funds Transfer | 3% | $56 |
| Electronic Signature | 2% | $36 |
| Homeowner | 7% | $118 |
| Lower Annual Mileage | 1% | $13 |
| Loyalty – Years Renewal With Company | 20% | $349 |
| Marital Status | 1% | $13 |
| Multi Policy | 6% | $108 |
| Paperless/Electornic Documents | 4% | $69 |
| Payment Type | 12% | $206 |
| Primary Use | 9% | $162 |
| Profession | 1% | $13 |
| Purhase Status | 1% | $13 |
| Safety Devices | 3% | $46 |
| Student Away At School | 1% | $13 |
| Telematics | 6% | $104 |
| Vehicle Ownership | 1% | $13 |
| Years Insured | 25% | $433 |
| Years Licensed | 1% | $13 |
The bottom line on cheap car insurance in Hawaii
Based on our research, if you are a good driver, GEICO is the cheapest in Hawaii for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Hawaii is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates from all the major insurers in nearly every ZIP code of Hawaii for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 20/40/10.
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.
*USAA is only available to military community members and their families.
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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