- 1. Average cost of car insurance in Hawaii
- 2. Best car insurance companies in Hawaii
- 3. Cheapest car insurance companies in Hawaii
- 4. Cheapest car insurance cost in Hawaii by age
- 5. Cheapest car insurance companies in Hawaii by driver profile
- 6. Compare auto insurance rates by city in Hawaii
- 7. Methodology
- 8. Compare auto insurance rates with other states
Average cost of car insurance in Hawaii
The average car insurance rate 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.
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 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.
Company | AM Best | Avg. Annual Premium | J.D. Power | NAIC | Insurance.com score |
---|---|---|---|---|---|
Geico | A++ | $1,184 | 825 | 0.91 | 3.31 |
Progressive | A+ | $1,279 | 811 | 0.65 | 3.26 |
Farmers | A | $1,495 | 821 | 0.8 | 2.81 |
State Farm | A++ | $1,938 | 822 | 0.7 | 2.72 |
Allstate | A+ | $1,882 | 812 | 0.65 | 2.58 |
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 $1,184 annually or $99 a month for full coverage. You can save more with USAA if you are eligible.
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.
Auto insurance calculator
Average auto insurance rates in HawaiiMost & least expensive ZIP codes for auto insurance in Hawaii
Most Expensive
Zip Code | City | Highest Rate |
---|---|---|
96719 | Hawi | $117 |
96710 | Hakalau | $117 |
96704 | Captain Cook | $117 |
96718 | Hawaii National Park | $117 |
Least Expensive
Zip Code | City | Lowest Rate |
---|---|---|
96714 | Hanalei | $97 |
96703 | Anahola | $97 |
96705 | Eleele | $97 |
96716 | Hanapepe | $97 |
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.
Age | Company | Avg annual premium |
---|---|---|
Teens (16-19) | USAA* | $1,141 |
Teens (16-19) | Geico | $1,332 |
Teens (16-19) | Farmers | $1,495 |
Teens (16-19) | Progressive | $1,744 |
Teens (16-19) | Island Insurance | $1,771 |
Teens (16-19) | State Farm | $1,938 |
Teens (16-19) | Allstate | $2,052 |
Young Adults (20-24) | USAA* | $1,067 |
Young Adults (20-24) | Geico | $1,214 |
Young Adults (20-24) | Progressive | $1,279 |
Young Adults (20-24) | Farmers | $1,495 |
Young Adults (20-24) | Island Insurance | $1,771 |
Young Adults (20-24) | Allstate | $1,882 |
Young Adults (20-24) | State Farm | $1,938 |
Adults (25-60) | USAA* | $1,067 |
Adults (25-60) | Geico | $1,184 |
Adults (25-60) | Progressive | $1,279 |
Adults (25-60) | Farmers | $1,495 |
Adults (25-60) | Island Insurance | $1,771 |
Adults (25-60) | Allstate | $1,882 |
Adults (25-60) | State Farm | $1,938 |
Seniors (65-75) | USAA* | $1,067 |
Seniors (65-75) | Geico | $1,184 |
Seniors (65-75) | Progressive | $1,279 |
Seniors (65-75) | Farmers | $1,495 |
Seniors (65-75) | Island Insurance | $1,771 |
Seniors (65-75) | Allstate | $1,882 |
Seniors (65-75) | State Farm | $1,938 |
*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 | Speeding Ticket |
---|---|---|---|
Geico | $962 | $1,503 | $1,072 |
USAA* | $1,107 | $1,447 | $1,235 |
State Farm | $1,116 | $1,321 | $1,218 |
Progressive | $1,389 | $2,114 | $1,839 |
Farmers | $1,436 | $2,441 | $1,660 |
Allstate | $1,606 | $2,571 | $2,239 |
Island Insurance | $1,713 | $3,459 | $7,482 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Hawaii
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Hawaii.
City | Annual insurance premium |
---|---|
Honolulu | $1,515 |
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.