Low-income car insurance in Hawaii: What you need to know

Q: What is the cheapest car insurance company for low-income people?

In Hawaii, Geico is the cheapest car insurance company with the average rate of $258 . However, that’s based on average rates and may differ for you, so it’s important to shop around.

Hawaii government car insurance for low-income drivers

Low-income drivers can apply for Hawaii's No-Fault Insurance Program to get affordable car insurance and meet legal requirements.

The requirements for the Hawaii low-income program are:

Have a valid driver license unless they are a disabled individual who is unable to operate a vehicle and is the registered owner of the vehicle.
Receive public assistance either as direct cash payments, through the supplemental security income program under the Social Security Administration, or in the form of medical services through the Department of Human Services (received prior to July 1, 1994, and still receiving).

There is no cost for this insurance program. To apply, you need to provide a certificate of eligibility to an insurance company participating in Hawaii’s assigned risk plan.

The minimum car insurance requirements in Hawaii are as follows:

Minimum liability coverage limits	20/40/10
Average annual premium	$396
Other types of insurance required (if any)	PIP

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Remember that if you have a loan on your car, you’re required to carry full coverage, which includes collision and comprehensive.

Best low-income car insurance in Hawaii

Geico came out on top as the best pick for low-income car insurance.

People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Hawaii and compared them on rates for state-minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.

These are the best low-income car insurance companies in Hawaii.

Company	Average annual premium	J.D. Power	AM Best	NAIC	Insurance.com score
Geico	$258	825	A++	0.91	3.31
State Farm	$496	822	A++	0.7	2.74
Progressive	$452	811	A+	0.65	2.67
Farmers	$408	821	A	0.8	2.63
Allstate	$500	812	A+	0.65	2.52

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Cheapest low-income car insurance in Hawaii

Based on state-minimum coverage, we found that the cheapest car insurance company in Hawaii is Geico at an average rate of $258 a year.

Price is the number one consideration when working with a tight budget. We gathered rates from car insurance companies in Hawaii to find the cheapest options on average.

Company name	Average annual premium	Average monthly premium
Geico	$258	$21
Farmers	$408	$34
Island Insurance	$415	$35
Progressive	$452	$38
State Farm	$496	$41
Allstate	$500	$42
USAA	$246	$21

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People ask

What can I do if I can't afford car insurance in Hawaii?

If you can't find affordable car insurance in Hawaii, try working with a local agent who knows the market and some of the smaller insurance companies available. Consider a usage-based program to reduce costs, reduce coverage, drive less and ask about additional discounts.

Car insurance discounts for low-income drivers in Hawaii

Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Hawaii can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.

Discount type	% Discount
Years Insured	20%
Payment Type	15%
Telematics	14%
Loyalty - Years Renewal With Company	12%
Primary Use	9%
Days Advanced Purchase	9%
Daily Commute	9%
Multi Policy	7%
Days Per Week Driven	6%
Electronic Funds Transfer	5%
Paperless/Electornic Documents	5%
Education	3%
Homeowner	3%
Electronic Signature	3%
Safety Devices	2%
Air Bags	2%
Anti-Theft Device	1%

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Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.

Source:

Department of Human Services - Hawaii. “Chapter 654. Hawaii No-Fault Insurance.” Accessed August 2024.

Low-income car insurance in Hawaii: Frequently asked questions

What is the cheapest car insurance company for low-income people?

In Hawaii, Geico is the cheapest car insurance company with the average rate of $258. However, that’s based on average rates and may differ for you, so it’s important to shop around.

Does Hawaii have car insurance for low-income individuals?

Yes, Hawaii has a car insurance program for low-income individuals. It’s called Hawaii's No-Fault Insurance Program.

What happens if I can't pay my car insurance?  

If you don't pay your car insurance bill, your car insurance will be canceled and you won't have coverage. If you can't pay your car insurance bill, contact your insurance company before the bill is past due to see if you can make arrangements for payment.   