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 rates 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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Who pays a lower insurance premium in Hawaii?
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 who are licensed for three or more years pay less on their insurance premiums.
- 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 companies for different coverage levels in Hawaii
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.
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 state minimum coverage in Hawaii
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Hawaii, you must have at least the following insurance coverage on your car.
| 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 | $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.
| 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 car insurance companies in Hawaii for full coverage
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and 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 following table lists the average annual rates of major insurance companies in Hawaii from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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 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 rates in Hawaii after a speeding ticket
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 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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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.
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
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 | 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 |
The bottom line on cheap auto 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.
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:
- 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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
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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
Executive 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