- Best car insurance company in Hawaii : GEICO
- Cheapest car insurance company 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 company in Hawaii : GEICO
GEICO is the best car insurance company in Hawaii, based on our data analysis, with an overall rating of 4.55. Progressive, State Farm and Farmers are also among 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++ | 618 | 0.69 | $1,184 | 4.55 |
| Progressive | A+ | 614 | 0.71 | $1,279 | 4.26 |
| State Farm | A++ | 646 | 0.79 | $1,938 | 3.88 |
| Farmers | A | 599 | 0.86 | $1,495 | 3.46 |
| Allstate | A+ | 633 | 1.1 | $1,882 | 3.28 |
| USAA | A++ | 733 | 1.18 | $1,067 | 4.5 |
Cheapest car insurance company 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 $1,251 annually or $104 a month. Additionally, it provides the cheapest liability car insurance in Hawaii at $416 per year. However, if you are eligible, you can save more with USAA. GEICO also offers the cheapest state minimum car insurance rates at $246 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 |
|---|---|---|---|
| GEICO | $246 | $416 | $1,251 |
| Progressive | $452 | $726 | $1,279 |
| Farmers | $471 | $650 | $1,746 |
| Island Insurance | $415 | $556 | $1,936 |
| State Farm | $531 | $726 | $2,312 |
| Allstate | $600 | $789 | $2,379 |
| USAA | $257 | $358 | $1,141 |
*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 $1,721 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 $425.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Hawaii
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Waipahu | $717 | $60 |
| Ewa Gentry | $717 | $60 |
| Waimanalo | $716 | $60 |
| Wheeler Army Airfield | $712 | $59 |
| Honolulu | $712 | $59 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Anahola | $546 | $46 |
| Kapaa | $546 | $46 |
| Kalaheo | $546 | $46 |
| Eleele | $546 | $46 |
| Hanapepe | $546 | $46 |
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 $416 per year or $35 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 |
|---|---|---|
| GEICO | $416 | $35 |
| Island Insurance | $556 | $46 |
| Farmers | $650 | $54 |
| Progressive | $726 | $60 |
| State Farm | $726 | $61 |
| Allstate | $789 | $66 |
| USAA | $358 | $30 |
*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 a 16-year-old driver in Hawaii at $1,409 per year.
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 car insurance for a 25-year-old driver and a 65-year-old driver at $1,251 per year.
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.
| GEICO | $1,409 | $117 |
| USAA | $1,420 | $118 |
| Farmers | $1,746 | $146 |
| Island Insurance | $1,936 | $161 |
| Progressive | $1,969 | $164 |
| State Farm | $2,312 | $193 |
| Allstate | $3,127 | $261 |
*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 $1,827 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 |
|---|---|---|---|
| GEICO | $1,251 | $1,827 | $0 |
| Progressive | $1,279 | $1,842 | $1,685 |
| Farmers | $1,746 | $2,837 | $2,113 |
| State Farm | $2,312 | $2,752 | $2,532 |
| Allstate | $2,379 | $3,628 | $3,318 |
| Island Insurance | $1,936 | $2,581 | $10,173 |
| USAA | $1,141 | $1,400 | $1,194 |
*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
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
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
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
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