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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage Annual Premium
GeicoA++8250.913.31$1,184
ProgressiveA+8110.653.26$1,279
FarmersA8210.82.81$1,495
State FarmA++8220.72.72$1,938
AllstateA+8120.652.58$1,882

Data updated in 2024
Read our full methodology

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.

CompanyState minimum liability50/100/50 liability100/300/100 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.

Data updated in 2024
Read our full methodology

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

Average auto insurance rates in Hawaii
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
96850 - Honolulu
For a 30-year-old male
$35 State minimum
$126 Full coverage
$50 Liability only

Most & least expensive ZIP codes for auto insurance in Hawaii

Most Expensive

Zip CodeCityHighest Rate
96704Captain Cook$136
96771Fern Acres$136
96710Hakalau$136
96718Hawaii National Park$136

Least Expensive

Zip CodeCityLowest Rate
96703Anahola$112
96705Eleele$112
96716Hanapepe$112
96741Kalaheo$112
Data updated in 2024
Read our full methodology

Hawaii 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 insurance 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.

State minimum auto insurance coverage in Hawaii, HI
Company Liability insurance premiumMonthly 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

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Hawaii by age

company_name
Cheapest for teens
$1,332/yr
Learn more
company_name
Cheapest for adults
$1,184/yr
Learn more
company_name
Cheapest for seniors
$1,184/yr
Learn more

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.

Age group
Teen
Age
16
Table
Graph
USAA$1,167$97
Geico$1,332$111
Farmers$1,495$125
Island Insurance$1,771$148
State Farm$1,938$162
Progressive$1,969$164
Allstate$2,560$213
Yearly premium

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Hawaii by driver profile

company_name
Cheapest for at-fault accident
$1,727/yr
Learn more
company_name
Cheapest for DUI
$2,050/yr
Learn more
company_name
Cheapest for speeding ticket
$1,184/yr
Learn more

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.

CompanyClean RecordAccidentSpeeding 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.

Data updated in 2024
Read our full methodology

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.

CityAnnual insurance premium
Honolulu
$1,515
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Hawaii have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

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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