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.

Best car insurance companies in Hawaii
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
GeicoA++$ 9600.774.18
State FarmA++$ 1,0970.523.88
USAA*A++$ 1,0400.993.79
ProgressiveA+$ 1,3430.733.17
FarmersA$ 1,4110.772.69
AllstateA+$ 1,6220.952.38

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. 

cheap rates by companies hawaii
CompanyState minimum50/100/50 liability only100/300/100 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.

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Average auto insurance rates in Alabama
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Male
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36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

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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.  

Cheapest car insurance by age in Hawaii
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. 

Cheapest car insurance companies for tickets and accidents in Hawaii 
CompanyClean recordAccidentTicket
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.

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

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.  

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