You can find the cheapest full-coverage car insurance in Hawaii for $99 a month from Geico. It saves you $27 compared to the state average car insurance cost of $126 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.

Key Highlights
  • Geico has the cheapest car insurance rates in Hawaii for full coverage at $99 a month among the companies analyzed by the team of CarInsurance.com.
  • In Hawaii, drivers with clean driving records pay 68% less than drivers with a DUI.
  • The city of Anahola has the lowest auto insurance rates in Hawaii, with an average premium of $1,347 per year.
  • You can save up to 21% per year on your car insurance policy in Hawaii by comparing price quotes from multiple insurers.

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 $99 per month or around $1,184 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

CompanyFull 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.

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 68% less than drivers who have a DUI on their record.
  • 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 who are licensed for three or more years pay   less on their insurance premiums.

Tip iconTip

If 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 insurers for different coverage levels in Hawaii

We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.

Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.

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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property 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 coverageMinimum 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.

CompanyState 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 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.

CompanyLiability 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.

Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.

The table below shows the average annual rates from major insurance providers in Hawaii, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.

CompanyFull 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 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 $1,000 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, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,218 per year.

CompanyRates before speedingAfter speeding (1-29 mph over limit)% difference$ difference
State Farm$1,116$1,2189%$103
Farmers$1,436$1,63514%$199
Progressive$1,389$1,79930%$410
Allstate$1,606$2,22739%$622
Island Insurance$1,713$8,977424%$7,264
USAA*$1,107$1,1595%$51

Note: USAA is only available to military community members and their families.

Cheapest car insurance in Hawaii after a DUI conviction

State Farm offers the cheapest car insurance to Hawaii drivers with a DUI conviction at $1,218 per year and Progressive has the second-cheapest insurance premiums at $2,168 a year, based on recent data.

Drivers with clean driving records can expect to pay an average of 68% less than those with a history of DUI.

Company Rates before DUIRates after a DUI% difference$ difference
State Farm$1,116$1,2189%$103
Progressive$1,389$2,16856%$779
Farmers$1,436$2,47773%$1,041
Allstate$1,606$4,069153%$2,463
Geico$962$6,684595%$5,722
Island Insurance$1,713$14,531748%$12,818
USAA*$1,107$2,230101%$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

If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,321 annually.

Geico is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,403.

If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.

CompanyRates before accidentRates after accident% difference$ difference
State Farm$1,116$1,32118%$206
Geico$962$1,40346%$441
Progressive$1,389$1,95841%$569
Island Insurance$1,713$2,28333%$570
Farmers$1,436$2,32762%$891
Allstate$1,606$2,42451%$818
USAA*$1,107$1,35622%$249

Note: USAA is only available to military community members and their families.

Cities with the lowest auto insurance rates in Hawaii

Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.

In Hawaii, Anahola stands out as the city with the lowest auto insurance rates, at an average of $1,347 per year.

Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.

The table below shows a list of cities in Hawaii with the most affordable car insurance rates.

CityFull coverage annual rates
Anahola$1,347
Eleele$1,347
Hanapepe$1,347
Kalaheo$1,347
Kapaa$1,347
Kaumakani$1,347
Kealia$1,347
Kekaha$1,347
Kilauea$1,347
Koloa$1,347

Learn about the 10 most important factors that affect 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 21% 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 bags2%$39
Anti-theft device1%$22
Daily commute9%$183
Days advanced purchase9%$187
Days per week driven6%$119
Education3%$47
Electronic funds transfer5%$72
Electronic signature3%$47
Homeowner3%$45
Loyalty – years renewal with company12%$217
Multi policy7%$110
Paperless/electornic documents5%$72
Payment type15%$225
Primary use9%$155
Safety devices2%$44
Telematics14%$161
Years insured20%$528

Final thoughts on cheap car insurance in Hawaii

Our research shows that Geico has the cheapest full coverage car insurance rates in Hawaii for individuals with a good driving record.

We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.

To get cheap car insurance in Hawaii, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.

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:

  • 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.

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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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network.