Average cost of car insurance in Hawaii

The average car insurance rate 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.

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 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
CompanyAM BestAvg. Annual PremiumJ.D. PowerNAICInsurance.com score
GeicoA++$1,1848250.913.31
ProgressiveA+$1,2798110.653.26
FarmersA$1,4958210.82.81
State FarmA++$1,9388220.72.72
AllstateA+$1,8828120.652.58

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 $1,184 annually or $99 a month for full coverage. You can save more with USAA if you are eligible.  

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.

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
$34 State minimum
$109 Full coverage
$45 Liability only
View most and least expensive zip codes

Most & least expensive ZIP codes for auto insurance in Hawaii

Most Expensive

Zip CodeCityHighest Rate
96719Hawi$117
96710Hakalau$117
96704Captain Cook$117
96718Hawaii National Park$117

Least Expensive

Zip CodeCityLowest Rate
96714Hanalei$97
96703Anahola$97
96705Eleele$97
96716Hanapepe$97

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 $1,332 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

Cheapest car insurance by age in Hawaii
Age Company Avg annual premium 
Teens (16-19)USAA*$1,141
Teens (16-19)Geico$1,332
Teens (16-19)Farmers$1,495
Teens (16-19)Progressive$1,744
Teens (16-19)Island Insurance$1,771
Teens (16-19)State Farm$1,938
Teens (16-19)Allstate$2,052
Young Adults (20-24)USAA*$1,067
Young Adults (20-24)Geico$1,214
Young Adults (20-24)Progressive$1,279
Young Adults (20-24)Farmers$1,495
Young Adults (20-24)Island Insurance$1,771
Young Adults (20-24)Allstate$1,882
Young Adults (20-24)State Farm$1,938
Adults (25-60)USAA*$1,067
Adults (25-60)Geico$1,184
Adults (25-60)Progressive$1,279
Adults (25-60)Farmers$1,495
Adults (25-60)Island Insurance$1,771
Adults (25-60)Allstate$1,882
Adults (25-60)State Farm$1,938
Seniors (65-75)USAA*$1,067
Seniors (65-75)Geico$1,184
Seniors (65-75)Progressive$1,279
Seniors (65-75)Farmers$1,495
Seniors (65-75)Island Insurance$1,771
Seniors (65-75)Allstate$1,882
Seniors (65-75)State Farm$1,938

*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 record AccidentSpeeding Ticket
Geico$962$1,503$1,072
USAA*$1,107$1,447$1,235
State Farm$1,116$1,321$1,218
Progressive$1,389$2,114$1,839
Farmers$1,436$2,441$1,660
Allstate$1,606$2,571$2,239
Island Insurance$1,713$3,459$7,482

*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 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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