Hawaii Cheapest Car Insurance & Best Car Insurance Options
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UPDATED: May 6, 2021
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Choosing the most affordable car insurance option in Hawaii can be tricky since your premium price will vary based on several factors.
Hawaii Cheapest Car Insurance
AutoInsureSavings.org licensed experts recommend comparing quotes from multiple providers before deciding which company to use for coverage.
|Affordable Insurance in Hawaii - Quick Hits|
|The average annual car insurance rate for Hawaii drivers is $46 monthly or $552 per year for minimum liability coverage and $145 per month or $1,740 annually for full coverage.|
|The cheapest insurance companies in Hawaii for minimum coverage are GEICO and State Farm. Both companies can offer policies 34% cheaper than the average Hawaii rate.|
|The most affordable insurers for full coverage in Hawaii are GEICO and Island Insurance. GEICO has an average monthly rate of $91, and Island Insurance's average rate is $110.|
|The best-rated insurers in Hawaii by J.D. Power's claim satisfaction score are USAA, State Farm, and Allstate.|
Most drivers understand that the best policy is not always the one that has the lowest premium.
Along with the price, you must also look at the level of coverage offered and enough to satisfy your needs.
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Cheapest Car Insurance Companies in Hawaii for Minimum Coverage?
If you are looking for minimum coverage only, the most affordable company in Hawaii is GEICO.
They offer rates that are at least 57% less than the average cost provided by other top providers in the state.
|Hawaii Company||Average Annual Premium|
|First of Hawaii||$620|
*We included USAA in the rankings since former military and current military members plus family members live in Hawaii.
The Cheapest Full Coverage Car Insurance in Hawaii
According to the Insurance Information Institute (III.org), policies that include full coverage will provide you with liability coverage along with comprehensive and collision coverage.
With this policy, you are covered for damages if you are found to be at fault for a crash. Collision coverage will pay for the cost of repairs to your car if it is damaged in a collision.
Since full coverage insurance pays for more than just liability, you can expect to pay more for this policy type.
|Insurance Company||Cost Per Year||Cost Per Month|
For the most affordable full coverage rates, research suggests drivers should choose GEICO.
Based on recent auto insurance quote comparisons, we found GEICO to be at least 60% more affordable for the average driver in Hawaii.
Cheap Insurance for Good Drivers in Hawaii
Drivers with no violations on their driving history have the advantage of paying much less than those who have traffic violations or DUIs.
However, most drivers do not receive much of a discount on their rate, according to TheZebra.com.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$108||9.06%|
On average, the discount for no traffic tickets is around 9%, which is not much considering the national average of 17%.
The discount for having no accidents is much higher, at 27.66%, which saves drivers on average around $413. GEICO tends to offer the best rates for good drivers.
Cheap Car Insurance for Bad Drivers in Hawaii
If you have been involved in an accident or have a DUI on your driving history, you can still save money on your premium by choosing the right company.
Here are a few of the average annual rates you can expect if you have received any of the following violations:
|Rating Factor||Annual Rate||% Increase|
Overall, State Farm and GEICO offer some of the best rates for drivers with DUIs or other violations.
Cheapest for Drivers with an Accident
If you are a resident looking for Hawaii car insurance with a recent at-fault accident, we recommend getting quotes from GEICO and Island Insurance for more affordable coverage.
Average rates for Hawaii drivers with an at-fault accident are $2,580 per year. GEICO charges $1,511 annually, and Island Insurance offers the same coverage at $1,709 or about 59% less than the average Hawaii rate.
|Hawaii Company||Cost per year||Cost per month|
Average rates for an at-fault accident will increase by 35% per year. Depending on the severity of the accident, insurers will charge to varying degrees.
For example, Liberty Mutual may increase your annual premium by over $750, while GEICO will only increase it by $450.
Suppose you are in a recent at-fault accident, and your insurance rates have skyrocketed.
In that case, you want to compare equal coverage levels with multiple companies to find the best deal and potentially save money.
Cheapest Car Insurance with a Speeding Ticket
Drivers in Hawaii with a recent speeding ticket or two can find the best rates with GEICO. The average rate after a speeding ticket is $2,107 annually.
|Company||Cost per year||Cost per month|
GEICO offers rates at $1,341, and State Farm provides the same coverage for $1,410 per year. Both auto insurers are 30% cheaper than the average Hawaii rate with a speeding ticket on your driving record.
Compared to at-fault accidents, average rates go up by 35%, while a driver with a speeding ticket will see only an 18% increase in rates.
Cheapest Car Insurance with a DUI
AutoInsureSavings.org’s analysis found those with driving under the influence on their record will see the highest increase in auto insurance rates.
While a speeding ticket will increase rates by 18%, and an at-fault accident will increase by 35%, a DUI will increase coverage rates by 245% on average for drivers in Hawaii.
|Insurer||Cost per year||Cost per month|
A clean driving record rate is $1,370 annually, but with a DUI on record, the rates increase to $4,944 per year or nearly triple in cost of coverage.
For cheaper insurance coverage with a DUI, we recommend State Farm. At $3,923 per year or $330 monthly for full coverage, their premiums are 36% more affordable than the Hawaii average DUI rate.
Cheapest Car Insurance for Young Drivers
AutoInsureSavings.org’s analysis found that young drivers will pay 14% more for coverage than our sample 30-year-old driver.
If you are a young driver searching for the lowest rates in Hawaii, check out Travelers and GEICO. Travelers charges $1,152 per year for full coverage and only $480 annually for minimum coverage.
|Insurer||Full coverage||Minimum Coverage|
GEICO is the next best insurance option providing rates at $1,211. Both auto insurers provide quotes 59% cheaper than Hawaii’s average rate.
Cheapest for Young Drivers with an Accident
Average rates for young drivers who caused a car accident will see rates increase by 39% on average.
|Insurer||Cost per year||Cost per month|
State Farm and USAA provide the best auto insurance quotes for teens who are in similar situations. Their annual rate is $2,109, which is 16% cheaper than Hawaii’s average teen accident rate of $2,499.
USAA provides quotes at $2,336 or 8% cheaper than the average rate.
Cheapest for Young Drivers with a Speeding Ticket
State Farm provides the best rates for teen drivers with a speeding ticket in Hawaii.
Their rates are 29% cheaper than the average Hawaii rate for teens with a speeding ticket at $1,382 per year.
|Insurer||Cost per year||Cost per month|
Island Insurance provides similar quotes at $1,805 or 7% less expensive than the average speeding ticket rate.
We found the average rate increase to be 17% for young Hawaii drivers after a speeding ticket during our analysis.
Best Auto Insurance Companies in Hawaii
There is a lot to consider when determining which insurance provider is the best in Hawaii.
The company that offers one driver’s best options may not provide the same benefits or low policy rates for another, according to ValuePenguin.
We have decided to take a closer look at the top five insurance companies in the state that offer exceptional auto insurance coverage at reasonable rates. All are based on results for the National Association of Insurance Commissioners (NAIC), J.D. Power, and the Insurance Research Council (IRC).
|Company||% Satisfied with recent claim||% rating as excellent|
Overall, GEICO offers some of the most affordable rates for drivers of all ages in Hawaii. The average annual cost for insurance from this company is $646 per year.
In 2020, GEICO was ranked at #1 for offering the most affordable auto insurance coverage.
USAA is an excellent option for coverage that caters to members of the military and their families. In 2020, they were ranked at #2 for the most affordable policies, with an average annual rate of $657 per year.
|Insurer||NAIC Complaint Index||J.D. Power claims satisfaction score||AM Best Financial Strength Rating|
All five insurers featured in AutoInsureSavings.org’s study received “Superior” (A+ or A++) or “Excellent” (A or A-) ratings from AM Best. These high Financial Strength Ratings indicate the ability to meet insurance obligations.
State Farm is an excellent affordable option for drivers in Hawaii. They were ranked #3 for the best rates on average, with an annual cost of $835.
Allstate is a well-known provider and offers some of the lowest rates for all types of drivers.
Allstate was ranked #4 for the most affordable auto insurer, with its average annual cost of $1,112.
Farmers Insurance ranks at #5 overall for the most affordable insurance in the state. While their average annual rate is $1,281, their rates for those with a DUI are much higher.
Cheapest Car Insurance Rates in Hawaii by City
Many factors go into determining how much your insurance rates will be. Listed below are the average annual costs for auto insurers in some of Hawaii’s most popular cities.
Cheapest Car Insurance in Honolulu
If you are on the hunt for the cheapest auto insurance in Honolulu, we recommend getting quotes from State Farm.
Honolulu drivers’ average rate is $1,543 per year, and they provide car insurance quotes at $1,147. Or 26% cheaper than the average Honolulu rate.
|Honolulu Company||Average Rate|
Cheapest Car Insurance in Hilo
Hilo drivers can find the best and cheapest insurance with State Farm and Island Insurance. The average cost for full coverage in Hilo is $1,761.
|Hilo Company||Average Premium|
Cheapest Car Insurance in Pearl City
Pearl City residents can find the best coverage with GEICO and State Farm. The average Pearl City insurance rate is $1,699 per year.
|Pearl City Company||Average Premium|
|Pearl City average||$1,699|
Your driving history is not the only thing impacting your ratings, but where you live does too. The more populous the city, the higher your rates will be as there is an increased chance of an accident or car theft.
Auto Insurance Requirements in Hawaii
Because Hawaii is a no-fault state, all drivers must have minimum liability coverage and personal injury protection.
They must have this coverage in the following amounts to follow state law.
|Liability||Hawaii Minimum Liability Coverage|
|Bodily Injury Liability||$20,000 per person and $40,000 per accident|
|Property Damage Liability||$10,000 per accident|
|Personal Injury Protection||$10,000 per accident|
Uninsured/Underinsured Motorist: $20,000 per person and $40,000 per accident
Keep in mind that you can reject uninsured/underinsured coverage in writing.
Optional Coverage in Hawaii
According to the DCCA Hawaii website, the optional coverage options you can purchase from your provider include:
- Uninsured Motorist
- Underinsured Motorist
- Wage Loss
- Alternative Care
- Death Benefits
- Funeral Benefits
- PIP Deductible
- Managed Care
These optional coverages vary by insurance carriers in Hawaii.
Frequently Asked Questions
How Much Does Minimum Coverage Cost in Hawaii?
The average cost for minimum coverage in Hawaii is $311 to $700 per year or $25 to $58 per month. What you pay for liability insurance in Hawaii will be reflected by your driver profile.
How Much is Full Coverage Insurance in Hawaii?
Full coverage, which includes comprehensive and collision coverage, cost on average from $1,093 to $1,741 per year in Hawaii. Or $91 to $145 per month. What you pay for full coverage in Hawaii is determined by your driving history, age, location, and other factors.
Who has the Cheapest Car Insurance Prices in Honolulu?
Based on analysis from AutoInsureSavings.org, GEICO is the most affordable car insurance company if you are looking for minimum coverage. For a policy that meets the state’s requirements, you can expect to pay $311 per year on average with GEICO. That makes the insurance provider 57% cheaper than other top providers in Hawaii.
Who has the Cheapest Full Coverage in Hawaii for 30-year olds?
Full coverage auto insurance can be more expensive than the state-required minimum. Still, it can also be beneficial to be involved in a crash where you are responsible for the damages or medical care of another driver or their vehicle.
If you are interested in full coverage, here are a few average annual rates from top insurance companies for drivers in their 30s in Hawaii.
— GEICO – $1,141
— Island Insurance – $1,465
— Allstate – $1,701
Cheapest Insurance Rates for Policyholders with a DUI in Hawaii?
After you receive a DUI, you can expect your insurance rates to go up, no matter what state you are in or what company you have insurance with. But some car insurance companies in Hawaii offer more affordable rates for drivers with a DUI offense.
Listed below are the top annual rates for drivers in that category.
— GEICO – $3,411
— Allstate – $5,291
— Island Insurance – $4,237
To learn more about your options for the cheapest auto insurance in Hawaii, contact the experts at AutoInsureSavings.org. Our licensed professionals will be happy to answer any questions you have.
|AutoInsureSavings.org used insurance data provided by Quadrant Information Services. Rates were publicly sourced from insurer filings and are intended for comparative purposes, as your premiums could differ. Our sample driver, a 30-year-old male, drives 12,000 miles each year in a 2018 Honda Accord.|