- Best car insurance companies in Hawaii
- Cheapest car insurance companies in Hawaii: Geico
- Average cost of car insurance in Hawaii
- Hawaii car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Hawaii
- Cheapest car insurance cost in Hawaii by age
- Cheapest car insurance companies in Hawaii by driver profile
- Compare auto insurance rates by city in Hawaii
- Car insurance premium trends in Hawaii
- Methodology
- Compare Hawaii car insurance rates with other states
Best car insurance companies in Hawaii
Geico is the best car insurance company in Hawaii, based on an analysis by Insurance.com, with an overall rating of 3.31. Progressive, Farmers, and State Farm are also the top car insurance companies in Hawaii.
Below is a full list of the top Hawaii insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Geico | A++ | 825 | 0.91 | $1,184 | 3.31 |
| Progressive | A+ | 811 | 0.65 | $1,279 | 3.26 |
| Farmers | A | 821 | 0.8 | $1,495 | 2.81 |
| State Farm | A++ | 822 | 0.7 | $1,938 | 2.72 |
| Allstate | A+ | 812 | 0.65 | $1,882 | 2.58 |
Cheapest car insurance companies in Hawaii: Geico
Based on a rate analysis by Insurance.com, Geico offers the cheapest full coverage car insurance in Hawaii, with average rates of $1,184 annually or $99 a month. Additionally, it provides the cheapest liability car insurance in Hawaii at $432 per year. However, if you are eligible, you can save more with USAA. Geico also offers the cheapest state minimum car insurance rates at $258 per year, on average.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Hawaii and put together a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA | $246 | $347 | $1,067 |
| Geico | $258 | $432 | $1,184 |
| Progressive | $452 | $726 | $1,279 |
| Farmers | $408 | $572 | $1,495 |
| Island Insurance | $415 | $556 | $1,771 |
| Allstate | $500 | $702 | $1,882 |
| State Farm | $496 | $674 | $1,938 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Hawaii
The average cost of car insurance in Hawaii is $1,517 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Hawaii is $396.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in Hawaii
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 96704 | Captain Cook | $136 |
| 96771 | Fern Acres | $136 |
| 96710 | Hakalau | $136 |
| 96718 | Hawaii National Park | $136 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 96703 | Anahola | $112 |
| 96705 | Eleele | $112 |
| 96716 | Hanapepe | $112 |
| 96741 | Kalaheo | $112 |
The Hawaii Insurance Division says...
Hawaii is a considered a "no-fault state", which means your motor vehicle insurance company will pay the bills for your injuries and your passengers' injuries up to the personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. benefits ("PIP") limit. And you cannot sue or be sued unless there are serious injuries. Because "no-fault" applies to injuries, not to vehicles or property, the driver-at-fault in an accident is responsible for damages to vehicle and property.
- The Hawaii Insurance DivisionHawaii car insurance requirements
You need car insurance with minimum coverage levels of 20/40/10 in Hawaii, which costs $396 each year or $33 each month.
Minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for Hawaii:
- Bodily injury liability (BI): $20,000 per person, $40,000 per accident
- Property damage liability (PD): $10,000 per accident
- Personal injury protection (PIP): $10,000 per person
Cheapest car insurance companies for minimum liability coverage in Hawaii
According to Insurance.com, Geico has the cheapest state minimum liability coverage, at $258 per year or $21 each month. USAA offers cheaper rates but is available only to military veterans and their families.
Here are the most affordable car insurance companies for state minimum coverage in Hawaii.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| USAA* | $246 | $21 |
| Geico | $258 | $21 |
| Farmers | $408 | $34 |
| Island Insurance | $415 | $35 |
| Progressive | $452 | $38 |
| State Farm | $496 | $41 |
| Allstate | $500 | $42 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Hawaii by age
In Hawaii, car insurance rates are higher for teenagers; they’re more prone to accidents due to their lack of experience on the road.
Geico offers the cheapest car insurance for teen drivers in Hawaii at $1,332 per year for a full coverage policy. Teen drivers can save more if they are eligible for USAA.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Hawaii, Geico offers the cheapest full coverage car insurance for adult and senior drivers at $1,184 per year. Again, if you’re eligible, you can save with USAA insurance.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| USAA | $1,167 | $97 |
| Geico | $1,332 | $111 |
| Farmers | $1,495 | $125 |
| State Farm | $1,938 | $162 |
| Progressive | $1,969 | $164 |
| Allstate | $2,560 | $213 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Hawaii by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more. The severity and frequency of the incidents will impact how much insurance rates increase. In Hawaii, Geico offers the cheapest car insurance rates for drivers with an accident, at $1,727 per year. USAA offers cheaper rates but has eligibility criteria.
Additionally, Geico alsooffers the cheapest car insurance in Hawaii for drivers with a speeding ticket at $1,184 per year. USAA offers cheaper rates but has eligibility criteria.
Below are average Hawaii rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| USAA | $1,067 | $1,310 | $1,117 |
| Geico | $1,184 | $1,727 | $1,184 |
| Progressive | $1,279 | $1,842 | $1,685 |
| Farmers | $1,495 | $2,428 | $1,704 |
| State Farm | $1,938 | $2,307 | $2,123 |
| Allstate | $1,882 | $2,869 | $2,625 |
| Island Insurance | $1,771 | $2,361 | $9,305 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Hawaii
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Hawaii will impact what you pay. Below, we've gathered Hawaii car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Honolulu | $1,515 |
Car insurance premium trends in Hawaii
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Hawaii to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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