The cost of car insurance in Hawaii can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in Hawaii is $1,067 annually for the profile of a 30-year-old driver.
When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.
- Cheapest car insurance companies in Hawaii
- Cheapest car insurance for teens in Hawaii
- Cheapest car insurance for young drivers in Hawaii
- Cheapest car insurance for adults in Hawaii
- Cheapest car insurance for seniors in Hawaii
- Cheapest car insurance rates in Hawaii by driving record
- Average cost of car insurance in Hawaii
Cheapest car insurance companies in Hawaii
Government Employees is the cheapest car insurance company in Hawaii that offers full coverage policy at about $835 per year or $70 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in Hawaii.
Following is the list of the cheap auto insurance companies and their average annual and monthly premium.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Government Employees | $835 | $70 |
| State Farm Mutl Automobile Ins | $890 | $74 |
| United Svcs Automobile Assn | $943 | $79 |
| Progressive Direct | $1,038 | $86 |
| Allstate | $1,297 | $108 |
| 21st Century Centennial | $1,398 | $116 |
Cheapest car insurance for teens in Hawaii
Government Employees is the cheapest car insurance provider for teen drivers in Hawaii. It offers insurance at about $975 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.
| Company | Average annual premium |
|---|---|
| Government Employees | $975 |
| State Farm Mut Auto | $1,252 |
| Progressive Direct | $1,643 |
| Allstate | $1,878 |
| Liberty Mut Fire | $2,137 |
| Farmers Ins HI Inc | $2,596 |
Cheapest car insurance for young drivers in Hawaii
The cheapest car insurance company for young drivers in Hawaii is Government Employees at about $975 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.
| Company | Average annual premium |
|---|---|
| Government Employees | $975 |
| Progressive Direct | $1,181 |
| State Farm Mut Auto | $1,252 |
| Allstate | $1,724 |
| Liberty Mut Fire | $2,082 |
| Farmers Ins HI Inc | $2,332 |
Cheapest car insurance for adults in Hawaii
According to Insurance.com's rate analysis, Government Employees offers the cheapest car insurance for adults in Hawaii. Its average rate is $975 annually.
Below are the companies that offer cheap insurance rates for adult drivers in Hawaii.
| Company | Average annual premium |
|---|---|
| Government Employees | $975 |
| Progressive Direct | $1,181 |
| State Farm Mut Auto | $1,252 |
| Allstate | $1,724 |
| Liberty Mut Fire | $2,082 |
| Farmers Ins HI Inc | $2,318 |
Cheapest car insurance for seniors in Hawaii
Government Employees offers the cheapest car insurance for seniors in Hawaii. The average annual premium offered is $975. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.
Below is the list of companies that offer the cheapest car insurance for seniors in Hawaii:
| Company | Average annual premium |
|---|---|
| Government Employees | $975 |
| Progressive Direct | $1,181 |
| State Farm Mut Auto | $1,252 |
| Allstate | $1,724 |
| Liberty Mut Fire | $2,082 |
| Farmers Ins HI Inc | $2,318 |
Cheapest car insurance rates in Hawaii by driving record
The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.
Cheapest auto insurance for drivers with a speeding ticket: Government Employees
If you have a speeding ticket on your record, Government Employees offers the cheapest car insurance at about $992 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.
| Company | Average annual premium |
|---|---|
| Government Employees | $992 |
| United | $1,108 |
| State Farm | $1,190 |
| 21st Century Centennial | $1,647 |
| Progressive | $1,808 |
| Allstate | $2,281 |
Cheapest auto insurance after an at-fault accident : State Farm
State Farm offers the cheapest car insurance after an at-fault accident. Its average cost for Hawaii drivers is $1,291 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.| Company | Average annual premium |
|---|---|
| State Farm | $1,291 |
| United | $1,302 |
| Government Employees | $1,447 |
| Progressive | $1,966 |
| 21st Century Centennial | $2,343 |
| Allstate | $2,488 |
Cheapest auto insurance after a DUI : State Farm
If there exists DUI on your driving record, State Farm offers the cheapest auto insurance in Hawaii at $1,190 per year. To find the best deal, it is required to shop around and compare insurance quotes.
The table below lists the cheapest car insurance companies after DUI in Hawaii, along with their average annual premium.
| Company | Average annual premium |
|---|---|
| State Farm | $1,190 |
| United | $2,122 |
| Progressive | $2,179 |
| 21st Century Centennial | $2,496 |
| Allstate | $4,110 |
| Government Employees | $6,914 |
Average cost of car insurance in Hawaii
The average car insurance rate for full coverage in Hawaii is $1,067 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.
The state minimum average rate in Hawaii is $262 annually.