Low-income car insurance in Hawaii

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 the legal requirements in Hawaii.

To qualify for the Hawaii low-income program, you need to meet the following requirements:

Have a valid driver license, unless the individual is disabled, 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 by receiving medical services through the Department of Human Services
(received before July 1, 1994, and still receiving them).

This insurance program has no cost. To apply, you must give a certificate of eligibility to an insurance company that participates 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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Keep in mind that if you have a loan on your car, you’re required to carry full coverage, which includes both comprehensive and collision.

Best low-income car insurance in Hawaii

GEICO came out on top as the best choice for low-income car insurance.

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

Here are the best car insurance companies in Hawaii for low-income drivers.

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

One of the best ways to lower your car insurance rates is by using discounts. Low-income drivers in Hawaii can take advantage of several available discounts to get more affordable insurance. Take a look below at some common discounts and see how much you could save.

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

170+

insurance companies analyzed

34,000+

ZIP codes examined

53M+

insurance quotes analyzed

National and state average rates are based on state minimum car insurance.

This data set is based on:

Bodily injury liability that matches the state minimum requirement
Property damage liability that matches the state minimum requirement
Any other state-required coverage, which may include personal injury protection, medical payments and
uninsured/underinsured motorist coverage
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Source:

Department of Human Services - Hawaii. "Chapter 654. Hawaii No-Fault
Insurance." Accessed August 2025.

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 provides a car insurance program for low-income individuals. It’s known as 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 policy will be canceled and you won’t have any coverage. If you’re
unable to make a payment, contact your insurance company before the bill becomes past due to see if you can set up a
payment arrangement.