Geico offers the cheapest auto insurance rates in Hawaii at about $960 a year or $80 monthly, on average, which is below the average Hawaii car insurance rate of $1,306 a year.
Cheap isn’t everything; however, an Insurance.com analysis of rates, complaints, and financial stability found Geico to be the best insurance company in Hawaii as well.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your annual car insurance cost.
Read on to compare Hawaii insurance rates by company, age, and more.
Key takeaways
- Geico is the best car insurance company in Hawaii overall, with below-average rates and a low complaint ratio.
- Geico is also the cheapest car insurance company for all residents in Hawaii at $960 per year.
- Geico has the cheapest car insurance rates for teen, adult and senior drivers in Hawaii.
Average cost of car insurance in Hawaii
The average car insurance rate in Hawaii is $1,306 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 $389.
Best car insurance companies in Hawaii
Geico is the best car insurance company in Hawaii, based on a 2023 analysis by Insurance.com, with an overall rating of 4.18. State Farm came in second.
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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Geico | A++ | $ 960 | 0.77 | 4.18 |
| State Farm | A++ | $ 1,097 | 0.52 | 3.88 |
| USAA* | A++ | $ 1,040 | 0.99 | 3.79 |
| Progressive | A+ | $ 1,343 | 0.73 | 3.17 |
| Farmers | A | $ 1,411 | 0.77 | 2.69 |
| Allstate | A+ | $ 1,622 | 0.95 | 2.38 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Hawaii
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. Based on a rate analysis by Insurance.com, Geico is the cheapest auto insurance company in Hawaii, with average rates of $960 annually or $80 a month for full coverage.
| Company | State minimum | 50/100/50 liability only | 100/300/100 liability with $500 comp/coll deductible |
|---|---|---|---|
| Geico | $ 251 | $ 361 | $ 960 |
| USAA | $ 244 | $ 313 | $ 1,040 |
| State Farm | $ 342 | $ 439 | $ 1,097 |
| Progressive | $ 600 | $ 790 | $ 1,343 |
| Farmers | $ 402 | $ 539 | $ 1,411 |
| Allstate | $ 472 | $ 656 | $ 1,622 |
| Island Insurance | $ 415 | $ 535 | $ 1,668 |
USAA offers car insurance only to military members, veterans and their families.
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 $1,083 per year for a full coverage policy.
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 $960 per year.
| Age (group) | Company Group | Avg. Annual Premium |
|---|---|---|
| Teens (16-19) | Geico | $ 1,083 |
| Teens (16-19) | State Farm | $ 1,097 |
| Teens (16-19) | USAA | $ 1,112 |
| Teens (16-19) | Farmers | $ 1,411 |
| Teens (16-19) | Island Insurance | $ 1,668 |
| Teens (16-19) | Allstate | $ 1,763 |
| Teens (16-19) | Progressive | $ 1,808 |
| Young Adults (20-24) | Geico | $ 985 |
| Young Adults (20-24) | USAA | $ 1,040 |
| Young Adults (20-24) | State Farm | $ 1,097 |
| Young Adults (20-24) | Progressive | $ 1,343 |
| Young Adults (20-24) | Farmers | $ 1,411 |
| Young Adults (20-24) | Allstate | $ 1,622 |
| Young Adults (20-24) | Island Insurance | $ 1,668 |
| Adults (25-55) | Geico | $ 960 |
| Adults (25-55) | USAA | $ 1,040 |
| Adults (25-55) | State Farm | $ 1,097 |
| Adults (25-55) | Progressive | $ 1,343 |
| Adults (25-55) | Farmers | $ 1,411 |
| Adults (25-55) | Allstate | $ 1,622 |
| Adults (25-55) | Island Insurance | $ 1,668 |
| Seniors (60-75) | Geico | $ 960 |
| Seniors (60-75) | USAA | $ 1,040 |
| Seniors (60-75) | State Farm | $ 1,097 |
| Seniors (60-75) | Progressive | $ 1,343 |
| Seniors (60-75) | Farmers | $ 1,411 |
| Seniors (60-75) | Allstate | $ 1,622 |
| Seniors (60-75) | Island Insurance | $ 1,668 |
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.
However, the severity and frequency of the incidents also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates than those with multiple major accidents.
Below are average Hawaii rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Ticket |
|---|---|---|---|
| Geico | $ 962 | $ 1,403 | $ 962 |
| USAA* | $ 1,107 | $ 1,356 | $ 1,159 |
| State Farm | $ 1,116 | $ 1,321 | $ 1,218 |
| Progressive | $ 1,389 | $ 1,958 | $ 1,799 |
| Farmers | $ 1,436 | $ 2,327 | $ 1,496 |
| Allstate | $ 1,606 | $ 2,424 | $ 2,227 |
| Island | $ 1,713 | $ 2,141 | $ 3,992 |
*USAA offers car insurance only to military members, veterans and their families.
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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.
