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Hawaii’s Car Insurance Minimum Requirements & a Detailed Comparison of Insurers to Find the Cheapest Quotes

Hawaii has a no-fault policy in effect to assist in lowering the frequency of court actions and keep insurance costs as low as practical.

No-fault states need each individual’s insurer to cover their hospital costs irrespective of who is held responsible for the accident.

Hawaii's cheapest premiums by price for 25 y/o.Note: As illustrated, the cheapest carriers for a 25 y/o in Hawaii are Fireman’s Fund, Travelers, and Chubb. All three are 12% to 15% lower than the average premium.

For that reason, Hawaii specifies that all its motorists carry Personal Injury Protection (PIP) to help pay their hospital bills beyond what their healthcare insurance will cover.

There are certain instances to the no-fault rule where a person would be able to bring the “at-fault” driver to court for a lawsuit.

If the medical costs from the accident surpass a specific cost, the at-fault party will be required to pay for the damages.

Hawaii requires its residents to carry an effective minimum liability policy to cover bodily injury and property damages with the list amount of 20/40/10 and these numbers are always in thousands, for example, 20,000, 40,000, 10,000.

Least expensive insurers by price for 30 y/o drivers.Note: For a 30 year old I found the quotes clustering between $1,187 and $1,232. All insurers illustrated are 12% – 13% lower than the average premium rate of $1,423.

Minimum Car Insurance Requirements for Hawaii

CoverageHawaii Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$20,000 / $40,000$100,000 / $300,000
Property Damage Liability$10,000$50,000
Personal Injury Protection$10,000$20,000 / $40,000
Uninsured / Underinsured MotoristOptional$100,000 / $300,000
ComprehensiveOptional$500 deductible
CollisionOptional$500 deductible

Bodily Injury Liability

The numbers (20 & 40) represent the minimum quantity of bodily injury protection needed to cover the medical bills of people in the other car.

If only minimum coverage is purchased, a person’s policy will pay up to $20,000 per individual up to $40,000 for all people in the other vehicle.

Least expensive policy prices by carrier for 35 y/o drivers.Note: If a 35 y/o driver is looking for the cheapest premium then Travelers and Fireman’s Fund are the lowest. As illustrated, each were queried at $979 and $980 or 21% lower than the average rate.

Property Damage Liability

The number (10) or the last number represents the minimum coverage needed to cover damages to public property, private property and the other person’s automobile.

An inurer will pay up to $10,000 per accident if the minimum coverage is acquired by the insured party.

Affordable premium options by price for 45 y/o drivers.Note: The least expensive carriers for a 45 year old are with Travelers and Allianz. Both queried at $648 and $649 respectfully. Which is 21% lower than the “mean” rate.

Who has the Cheapest Auto Insurance in Hawaii?

Below are the cheapest insurers by price from 25 to 55 years of age. It is the average price per premium. Your rates will vary from zip code to zip code.

Overall the least expensive insurer by price is Fireman’s Fund. They are 22% lower than the statewide “mean” premium.

Travelers is the 2nd cheapest with quotes 20% to 22% lower on average.

Followed by Chubb and Allianz. Both insurers are 17% to 21% lower than the average policyholder residing in Hawaii.

Hawaii Company25 Y/O 30 Y/O 35 Y/O 45 Y/O 55 Y/O
Fireman's Fund$1,433$1,187$980$654$442
Travelers$1,454$1,200$979$648$455
Chubb$1,498$1,211$998$655$467
Allianz$1,508$1,214$1,002$649$490
Bankers Ins.$1,512$1,232$1,011$665$532
AAA*$1,515$1,254$1,024$670$543
USAA**$1,519$1,276$1,054$677$576
American Automobile $1,532$1,280$1,076$687$566
Hartford$1,555$1,290$1,080$690$587
GEICO$1,598$1,297$1,087$700$590
AIG$1,625$1,221$1,090$699$600
North River$1,654$1,300$1,092$703$599
Dongbu$1,621$1,315$1,103$712$603
Hawaiian Ins. & Guaranty$1,687$1,321$1,137$713$609
Island Ins.$1,698$1,343$1,148$720$612
Ameriprise$1,612$1,354$1,176$725$632
Progressive$1,708$1,365$1,189$737$599
Liberty Mutual$1,743$1,376$1,198$754$567
State Farm$1,765$1,398$1,200$787$570
Tokio Marine Specialty$1,821$1,416$1,208$815$590
Allstate$1,862$1,432$1,215$822$621
DTRIC $1,895$1,476$1,231$827$624

* Membership Only with Fee

**USAA covers only families and their children affiliated with the Military and Armed Forces. A spouse or person previously in the Armed Services may be able to get insurance through USAA.

***Rates are based on minimum liability coverage. Your rates will vary.

The state of Hawaii advises that its residents carry more than minimum coverage to pay for damages as the costs of doctor’s bills and repairs can surpass the minimum liability mandated by the state.

Comprehensive Coverage

If you reside in the state of Hawaii, the capital being Honolulu, it would be a good idea to consider comprehensive coverage since Hawaii has a fair amount of hurricanes.

During the season of hurricanes it is highly likely damage will be done to the vehicle and only comprehensive or “non-collision” will cover the damage.

Be sure to compare quotes to find the cheapest possible.

Cheapest premium options by price for 55 y/o.Note: A 55 year old driver can find the least expensive quotes with Fireman’s Fund. I queried them at $442 per year. Which is 28% lower than the average premium of $612.

Collision Coverage

Collision coverage would be another option to add to a policy if you are in situations where you may have had an accident no matter who is at fault.

Gap Coverage

Gap coverage is an option for those who may have a loan on a car where a “gap” between the value of the car and what is left on the loan has to be paid to the bank.

Best Insurers by Written Premiums, Rate Change, and Consumer Rating

Included in my study are the carriers with the highest written premiums, rate change over 18 months, and the overall consumer rating.

The rate change is normal ranging from 2% to 4% for most carriers. If you get a traffic violation your rate hike could be substantially higher.

The overall consumer ratings are from JP Power & Associates, AMBest, and other online reviews. Which I took an average to come to a rating here.

The amount of complaints is normal and shouldn’t be a significant factor when determining the company to get a policy from.

CompanyDirect Written PremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
Berkshire Hathaway$145,213+3.9%484.4
State Farm$115,809+3.3%214.3
Travelers$87,654+3.2%184.4
USAA$81,998+2.7%44.6
Liberty Mutual$65,721+2.8%34.4
Allstate$54,399+2.9%74.2
AIG$44,211+2.9%174.1
Progressive$43,292+3.5%294.2
Tokio Marine US$37,908+3.6%573.8
Hartford$25,154+4.1%94.2
Nationwide$16,098+2.9%274.2
MS&AD US Group$20,216+3.7%173.9
Ameriprise$14,032 +2.9%24.0
Island Ins. Group$13,876 +3.7%33.8
MetLife MassMutual Pacific$13,822 +3.7%14.2

Average Premium by City

Below is the average cost of premium by city. If your costs are substantially higher than the listed price you may consider your driving history or another factor for a carrier to raise your rates.

If you would like a more detailed quote comparison of major cities in Hawaii then read further below.

CityAvg. PremiumChange vs. HI AverageCityAvg. PremiumChange vs. HI Average
Aiea$947-14%Mountain View$988-11%
Ewa Beach$982-11%Nanakuli$991-11%
Kahuku$902-17%Lahaina$863-22%
Kapaa$742-33%Princeville$1,036-7%
Kapolei$1,232+11%Pukalani$1,128+1%
Kihei$863-22%Wahiawa$1,255+12%
Kilauea$1,120-0%Waialua$726-34%
Koloa$1,026-7%Waianae$1,026-7%
Kurtistown$659-40%Waimanalo$896-20%

Honolulu

If you want to find a cheaper premium then start by getting quotes from Allianz, USAA, and Travelers.

I queried each at $965, $1,112, and $1,342 for a 30 year old driver. Allianz is 40% lower than the average quote of $1,600 per year. While USAA and Travelers are 31% and 17% cheaper respectfully.

A 45 year can find cheap quotes with Allianz and USAA. Each queried at $689 and $690 per year for full coverage. Which is 29% lower than the “mean” rate in Honolulu.

A 55 year old can find the best price with Allianz, USAA, and Travelers. Each queried at $476, $497, and $513 for full coverage. Which is 28% lower than the average quote for a driver the same age and profile.

Honolulu Company30 Y/O45 Y/O55 Y/O
Allianz$965$689$476
USAA$1,112$690$497
Travelers$1,342$711$513
Chubb$1,469$765$532
Progressive$1,536$821$549

Honolulu is the largest city in the state of Hawaii on the island of Oahu. It was incorporated in 1907 with approximately 22,000 residents.

Today, there are 360,000 and nearly 1 million in the county. 

Honolulu is the cultural center of the state with landmarks and museums celebrating the islands rich history. The Iolani Palace and the King Kamehameha statue honor the royalty of the Hawaiian Kingdom.

The Bishop Museum just north of downtown presents Hawaiian history with canoes, costumes, documents and live performances.

Honolulu received historical recognition after the attack on Pearl Harbor by Japan near the city on December 7th, 1941.

Honolulu low-cost premium prices for all drivers.

Pearl City

To get the lowest quotes in Pearl City start with USAA, Allstate, and Allianz.

I queried each at $1,156, $1,198, and $1,326 for a 30 year old driver. For USAA and Allstate the quotes are 31% cheaper than the “mean” rate of $1,600 per year. While Allianz is 18% lower than average premium.

A 45 year old can get lower quotes with USAA and Allstate. Each queried at $826 and $859 per year for full coverage. Or approximately 19% lower than the “mean” rate.

A 55 year old can get the best prices with USAA and Allianz. Each queried at $611 and $619 per year for a full coverage policy.

Pearl City Company30 Y/O45 Y/O55 Y/O
USAA$1,156$826$611
Allstate$1,198$859$624
Allianz$1,326$898$619
Progressive$1,429$954$687
Travelers$1,623$1,004$721

Part of the Honolulu metropolitan area is Pearl City with nearly 50,000 residents. 

In the early 1880s, Pearl City was the final stop for Benjamin Franklin Dillingham’s Oahu Railway, a mud wagon driven by a four-horse team. Lots for an as-yet-to-exist “Pearl City” went on sale in 1889, after completion of the actual rail line.

During the early 1900’s, the Redmond Grove was an entertainment spot where people played the banjo, saxophone, and other musical instruments.

Pearl City, HI least expensive policy prices for 30 to 55 y/o drivers.

Hilo

If you aren’t getting the cheapest rate you probably don’t know where to look. Start by getting quotes from Allianz, Travelers, and USAA.

Each queried at $1,312, $1,498, and $1,501 for a 30 year old driver. Allianz is 19% cheaper than the average premium of $1,621. While Travelers and USAA are 9% and 7% lower respectfully.

A 45 year old can get low quotes with Allianz and USAA. I queried each at $897 and $917 respectfully for full coverage. Both carriers are 16% lower than the “mean” rate for a driver with a similar profile.

A 55 year old can get the best price with Allianz and Travelers. Each queried at $567 and $638 per year. Or approximately 16% lower than the citywide average quote.

Hilo Company30 Y/O45 Y/O55 Y/O
Allianz$1,312$897$567
Travelers$1,498$921$638
USAA$1,501$917$667
Progressive$1,569$976$701
Chubb$1,615$1,005$736

Hilo is located on the island of Hawaii with 43,000 residents. Hilo is situated along the shore of Hilo Bay on the east side of the island of Hawaii.

It’s the largest city on the island located in Hawaii County. The active Mauna Loa as well as the dormant Mauna Kea volcano are nearby. 

Hilo is also home to the Mauna Loa Macadamia Nut Corporation, one of the world’s leading producers of macadamia nuts.

Hilo low-cost premium prices by carrier for drivers.

Kailua

Residents of Kailua can find the best prices with Allianz, Travelers, and USAA.

I queried each at $1,005, $1,055 and $1,132 for a 30 year old driver. Which is 23% to 27% lower than the “mean” rate within the city.

A 45 year old can get cheap quotes with Allianz and Travelers. Each queried at $732 and $745 for full coverage. Which is 25% lower than the average policyholder.

A 55 year can get the lowest premium with Allianz and Travelers. Each queried at $489 and $508 per year of full coverage. Or approximately 23% lower than the “mean” rate.

Kailua Company30 Y/O45 Y/O55 Y/O
Allianz$1,005$732$489
Travelers$1,055$745$508
USAA$1,132$768$537
Chubb$1,180$789$548
Progressive$1,235$826$569

The rented summer houses of former President Obama are in Kailua.

It is about 11 miles northeast of Honolulu with nearly 40,000 residents. Since the arrival of the former President, Kailua has been overrun with tourists.

Once a sleepy and quaint beach town, many local residents are vocal towards legislators for mass arrival of tour buses and large companies such as Target.

Even with the arrival of tourists, Kailua is one of the most beautiful and peaceful places around.

Kailua cheapest policy prices for 30 to 55 y/o drivers.

Waipahu

If you aren’t getting the cheapest premium your probably getting quotes in the wrong place.

Start with Travelers, Allianz, and Chubb. I queried each at $987, $1,009, and $1,055 for a 30 year old driver. All three insurers are 24% lower than the “mean” rate in Waipahu.

A 45 year old can get low quotes with Travelers and Allianz. Each queried at $679 and $732 per year for full coverage. Or approximately 23% lower than the average premium.

A 55 year can get the lowest prices with Travelers and Allianz. Each queried at $457 and $479 per year. Which is more than 22% lower than the “mean” quote in Waipahu.

Waipahu Company30 Y/O45 Y/O55 Y/O
Travelers$987$679$457
Allianz$1,009$732$479
Chubb$1,055$756$507
USAA$1,097$780$532
Progressive$1,154$821$579

Approximately 11 miles northwest of Honolulu is Waipahu. Located within the Ewa district on Oahu, Waipahu has 38,000 residents.

The word ‘waipahu’ is derived from the Hawaiian words ‘wai’ and ‘pahu’ which means bursting water. It was formerly a sugar plantation town.

The Oahu Sugar Company was incorporated in 1897. Waipahu was named by the company’s directors as the site for sugar mill.

A notable attraction is the Hawaii Plantation Village. It currently serves as an outdoor museum that showcases the lifestyles and experiences of Hawaii’s plantation workers.

Waipahu, HI cheapest policy choices for drivers.

Kaneohe

To get the cheapest premium in Kaneohe start with Travelers, Allianz, and Chubb.

I queried each at $967, $980, and $1,032 for a 30 year old driver. Which is 22% lower than the average premium with the CDP or census designated place.

A 45 year old can get low quotes with Travelers and Allianz. Each queried at $654 and $687 per year for full coverage. Which is 20% lower than the “mean” rate in Kaneohe.

A 55 year old can get best prices with Travelers, Allianz, and Chubb. Each queried at $455, $468, and $500. Which is 18% lower than the average policyholder.

Kaneohe Company30 Y/O45 Y/O55 Y/O
Travelers$967$654$455
Allianz$980$687$468
Chubb$1,032$722$500
USAA$1,076$765$524
Fireman's Fund$1,132$798$578

Kaneohe, meaning “bamboo man”, is a residential area within the county of Honolulu on the island of Oahu.

Today there are approximately 35,000 residents. Kaneohe Bay played a significant role during the Second World War. This was the first bomb site on the shores of the Hawaii Island.

Notable attractions included, K’ne’ohe Shopping Center, Ala Moana Beach Park, K’ne’ohe Beach Park, and the Byodo.

Kaneohe least expensive premium options for 30 to 55 y/o drivers.

Mililani Town

If you want to find the cheapest quotes in Mililani Town start with Allianz, USAA, and Travelers.

Each queried at $943, $987, and $1,008 per year for a 30 year old driver. Which is 21% lower than the average policyholder.

A 45 year old can find low quotes with Allianz and USAA. Each queried at $665 and $680 per year for full coverage. Or approximately 22% lower than the “mean” rate.

A 55 year old can get the best prices with Allianz and USAA. Each queried at $470 and $498 per year. Or more than 22% lower than the average premium.

Mililani Town Company30 Y/O45 Y/O55 Y/O
Allianz$943$665$470
USAA$987$680$498
Travelers$1,008$690$507
Chubb$1,065$725$525
Fireman's Fund$1,111$776$576

Located in the center of the island of Oahu is Mililani Town. Today there are 27,000 residents. If you include Mililani Mauka the amount of people nears 50,000. 

Tourists in can shop and have fun at numerous shopping destinations in the town such as the Marketplace Shopping Center and the Town Center Shopping Center.

The local parks are worth visiting for their recreational facilities. Some of the parks include the Holanailii Park, District Park, and Neighborhood Park.

Several annual events like the Daikon Festival are hosted by Mililani Town.

Mililani Town low-cost premium choices for all drivers.

Kahului

To get the cheapest auto insurance start with Allianz, Travelers, and Fireman’s Fund.

I queried each at $965, $980, and $1,043 per year for a 30 year old. Which is 24% lower than the “mean” rate within Kahului.

A 45 year old can get cheap car insurance with Allianz and Travelers. Each queried at $675 and $698 per year. Which is approximately 22% lower than the average policyholder.

A 55 year old can get the best prices on a policy with Allianz, Travelers, and Fireman’s Fund. Each queried at $472, $498, and $508 per year for full coverage.

Or 19% lower than the “mean” rate or a driver of the same age and profile.

Kahului Company30 Y/O45 Y/O55 Y/O
Allianz$965$675$472
Travelers$980$698$498
Fireman's Fund$1,043$727$508
USAA$1,057$763$543
Chubb$1,099$798$565

Kahului is a CDP located on the island of Maui with 26,000 residents.

Founded in the 1850’s, Henry Baldwin and Samuel Alexander built an irrigation ditch in 1876 for their sugar plantation.

Not normally a tourist destination people can visit the Alexander & Baldwin Sugar Museum.

Today, Kahului is the shopping destination for residents of Maui.

Kahului, HI least expensive premium choices for 30 to 55 y/o drivers.

Conclusion

Autoinsuresavings wants you to be able to get the lowest policy price possible while maintaining equal or more coverage.

All you have to do is enter your five digit zip code to get quotes from top companies.

That is why Autoinsuresavings provides quotes from top insurers such as GEICO, Progressive, and Allstate.

The process takes less than a few minutes and you are on your way to saving money monthly.

Sources

Hawaii.gov

DCCA Hawaii

http://www.honolulu.gov/csd

https://www.islandinsurance.com/

https://www.allstate.com/auto-insurance/hawaii-auto-insurance-coverages.aspx

https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists

http://www.iihs.org/iihs/topics/auto-insurance-basics

Penny Adams
Penny Adams is a freelance professional writer. Articles written are original, highly researched, and complete with sources listed. When not writing or telephone fund raising for non-profit organizations, I enjoy spending time with my daughter and granddaughter, growing food, and exploring the great outdoors in Michigan.

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