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.
- 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
| 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.
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.
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 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 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 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.
| 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 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.
| 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
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 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
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.
| 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.
Check out the most affordable insurance options in your neighboring state
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.
| City | Full 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 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
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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