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Last updated: October 9, 2024
Best Car Insurance in Hawaii
Find the top providers at the best rates in the Aloha State.
Best Cheap Auto Insurance in Hawaii
Full Coverage Averages
• Annual Premium: $1,056
• Monthly Premium: $88
✓ Cheapest provider in the state
✓ Military discount
X No rideshare coverage
Read our GEICO review.
Best Auto Insurance for Teens in Hawaii
Full Coverage Averages
• Annual Premium: $1,540
• Monthly Premium: $128
✓ Cheapest for teens
✓ Discount for hybrid vehicles
X No rideshare coverage
Best Auto Insurance After a DUI in Hawaii
Full Coverage Averages
• Annual Premium: $1,432
• Monthly Premium: $119
✓ Cheapest after a DUI
✓ Will file an SR-22
X No gap insurance
Read our State Farm review.
Table of Contents
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Hawaii’s 900,000-plus drivers enjoy some of the most affordable car insurance rates in the country. This is, in part, due to the state’s low minimum requirements. Hawaiians need only $20,000 in bodily injury liability per person and $40,000 per accident, $10,000 in personal injury protection (PIP), and $10,000 in property damage.1
While lowering your limits may be a good idea if you’re struggling to make ends meet, we do recommend increasing limits and adding optional coverage if you can afford it. Hawaii’s speeding-related fatality and DUI rates are among the highest in the country, making it one of the least safe states to drive in.
The good news is you don’t have to break the bank to find solid auto insurance coverage in Hawaii. With the right strategies and guidance, you can find quality coverage at an affordable rate.
Average Annual Premium in Hawaii
The average rate for car insurance is $1,834 in Hawaii, which is about 12 percent cheaper than the national average of $2,071. With an average annual rate of $1,056, GEICO is Hawaii’s cheapest provider and 40 percent cheaper than the state average.
Average Rate by City in Hawaii
Among the major cities in Hawaii, Honolulu offers the cheapest average car insurance rates at $1,884 annually for full coverage. Below is a full breakdown of auto insurance prices in some of the state’s largest cities.
| City | Monthly average premium | Annual average premium |
|---|---|---|
| Honolulu | $157 | $1,884 |
| Pearl City | $158 | $1,895 |
| Kaneohe | $159 | $1,908 |
| Mililani Town | $160 | $1,925 |
| Waipahu | $161 | $1,932 |
| Kahului | $169 | $2,027 |
| Kaliua | $174 | $2,088 |
Best Auto Insurance Companies in Hawaii
- GEICO – Best Cheap Auto Insurance in Hawaii
With an average annual rate of $1,056, GEICO is the cheapest provider in Hawaii. GEICO also offers the best rates for drivers with a speeding ticket in Hawaii. - Island Insurance – Best Auto Insurance for Teens in Hawaii
Available to drivers in Hawaii only, Island Insurance offers all-around affordable rates and especially cheap rates for teens across the Hawaiian Islands. - State Farm – Best Auto Insurance After a DUI in Hawaii
State Farm offers the best car insurance rate on average if you have a DUI on your record. Hawaii has one of the highest DUI arrest rates in the country, which makes having an affordable provider, like State Farm, all the more important.
Comparison of the best auto insurance companies in Hawaii
| Feature | GEICO | Island Insurance | State Farm | USAA | Allstate |
|---|---|---|---|---|---|
| Average rate in Hawaii | $1,056 | $1,540 | $1,432 | $1,114 | $2,214 |
| U.S. Overall Customer Satisfaction Index out of 1,000 (J.D. Power)2 | 871 | N/A | 891 | 900 | 882 |
| Best for | People looking for the cheapest option | Teens and parents of teens | Someone with a DUI on their record | Military members, veterans, and military families | People who want to bundle home and auto |
| Home bundling | Yes | Yes | Yes | Yes | Yes |
| Military discount | Yes | No | No | Yes | No |
| Review | GEICO review | N/A | State Farm review | USAA review | Allstate review |
Good to Know:
Car insurance providers cannot use credit scores to set insurance rates in Hawaii. If you have a bad credit score in Hawaii, it won’t affect your insurance rates.
Summary of the best auto insurance in Hawaii
- 1.
Best Cheap Auto Insurance in Hawaii: GEICO
- 2.
Best Auto Insurance for Teens in Hawaii: Island Insurance
- 3.
Best Auto Insurance After a DUI in Hawaii: State Farm
- 4.
Best Auto Insurance for Military and Veterans in Hawaii: USAA
- 5.
Best Auto Insurance for Homeowners in Hawaii: Allstate
Detailed List of the Best Auto Insurance in Hawaii
1. Best Cheap Auto Insurance in Hawaii - GEICO
What We Like Most:
- Save money with defensive driving courses
- Cheapest rates after a speeding ticket
- Save by installing safety equipment
Not only does GEICO offer the cheapest rates in Hawaii, but it also insures nearly a third of all Hawaiian drivers, making it the largest provider in the 50th state. If you’re looking for a reputable provider with affordable rates, we recommend you start with GEICO.
Who It's Best For
- People with a speeding ticket on their record
- People looking for the cheapest option
- Military members
- Affinity group members
Who It's Not Best For
- Someone with a DUI
- People who want to work with a local agent
Overall Cheapest Rates in Hawaii
GEICO’s average rate ($1,056) is nearly half the state average of $1,834. If you’re seeking the cheapest rates in the state, look no further.
| Company | Monthly average rate | Annual average rate |
|---|---|---|
| GEICO | $88 | $1,056 |
| USAA | $93 | $1,114 |
| State Farm | $119 | $1,432 |
| Island Insurance | $128 | $1,540 |
| Progressive | $164 | $1,974 |
| Farmers | $170 | $2,040 |
| Allstate | $184 | $2,214 |
Cheapest After a Speeding Ticket
GEICO is also the cheapest in Hawaii after a speeding ticket. One speeding ticket won’t always lead to premium increases, especially if you have accident forgiveness, but it can result in higher insurance rates depending on your driving background, provider, and the severity of the violation.
| Company | Monthly average rate | Annual average rate |
|---|---|---|
| GEICO | $88 | $1,187 |
| USAA | $93 | $1,231 |
| State Farm | $119 | $1,690 |
| Island Insurance | $128 | $1,782 |
| Progressive | $164 | $2,208 |
| Allstate | $184 | $2,214 |
| Farmers | $170 | $2,643 |
Did You Know?
Forty-eight percent of all car fatalities in Hawaii were speeding related in 2019. That’s nearly double the national rate of 26 percent and the third-highest rate in the country, just behind Washington, D.C.3
Affiliation Discounts
If you’re a military member, government employee, or employee of a GEICO-approved affiliate group, you could earn up to 25 percent off your car insurance premium. Hawaii is home to more than 23,000 government agencies and a large military population, so be sure to ask about affiliate discounts if you think this discount applies to you.4
2. Best Auto Insurance for Teens in Hawaii - Island Insurance
What We Like Most:
- Cheapest overall
- Cheapest for drivers with a speeding ticket
- Largest provider in Hawaii
Island Insurance was made by Hawaiians, for Hawaiians. It’s available only in Hawaii, which comes with a few perks. Not only will you have an extensive list of local agents you can work with, but Island Insurance has partnerships with certified auto shops on Oahu, The Big Island, Maui, and Kauai, which ensures you’ll have reliable repair services if you need to file a claim for damages.
Who It's Best For
- Teens and parents of teens
- Hybrid vehicle owners
- Teachers and professors
- People who want cheap minimum coverage
Who It's Not Best For
- Military members
- Unsafe drivers
Cheapest Rates for Teens
Teens pay more for auto insurance than any other age group on average because they have the highest rates of claims, speeding tickets, accidents, and other moving violations. If you’re a teen or parent of a teen, we recommend Island Insurance, which offers the best rates for young drivers under the age of 24.
| Company | Monthly average rate | Annual average rate |
|---|---|---|
| Island Insurance | $123 | $1,476 |
| USAA | $129 | $1,548 |
| GEICO | $143 | $1,716 |
| State Farm | $157 | $1,884 |
| Progressive | $188 | $2,256 |
| Allstate | $195 | $2,340 |
| Farmers | $212 | $2,544 |
Startling Statistics:
Although drivers under the age of 24 make up 13 percent of all drivers in Hawaii, they’re responsible for nearly 20 percent of all driving fatalities.5
Island Insurance Auto Benefits
Island Insurance offers some impressive auto insurance perks at no additional cost. Here’s what you’ll get when you sign up for full coverage (comprehensive and collision coverage) with Island Insurance:
- Emergency towing
- Lockout service
- Tire change
- Battery replacement
- Rental car reimbursement
Accident-Free Discount (With Accident Forgiveness)
If you’re concerned about the possibility of your teen getting into a car accident, consider signing up for Island Insurance’s accident-free discount. It rewards teens for being accident-free for at least 12 months. And if you or your teen do happen to get into an accident, you can benefit from built-in accident forgiveness.
3. Best Auto Insurance After a DUI in Hawaii - State Farm
What We Like Most:
- Multiple discounts for safe driving, including one specifically for young drivers
- Local agents
- Discounts for multiple cars
State Farm is one of the oldest providers in the country and the second-largest provider in Hawaii. It offers the cheapest rates for drivers with a DUI and SR-22 insurance if the state requires you to file an SR-22.
Who It's Best For
- Drivers with a DUI
- Teens
- People who need SR-22s
- People who need rideshare insurance
Who It's Not Best For
- People who want gap insurance
FYI:
According to data from the National Highway Traffic Safety Administration, 418 Hawaiians per 100,000 residents will be arrested for a DUI each year. This puts Hawaii at seventh for most DUI arrests in the country.
Cheap Rates After a DUI
If you have a DUI on your record and are looking for affordable car insurance, State Farm is our top pick.
| Company | Monthly average rate | Annual average rate |
|---|---|---|
| State Farm | $117 | $1,399 |
| USAA | $139 | $1,672 |
| Progressive | $198 | $2,373 |
| Farmers | $212 | $2,544 |
| Allstate | $216 | $2,594 |
| GEICO | $271 | $3,256 |
SR-22 Insurance
If you have a DUI or other serious violation on your record, the state may require you to obtain an SR-22. An SR-22 is a certificate that proves you have the minimum insurance requirements to drive legally in Hawaii. State Farm, unlike some providers, offers and files SR-22s on your behalf.
Rideshare Insurance
Rideshare services, like Uber and Lyft, get especially busy during Hawaii’s tourist season (December, January, and February). If you plan on driving for a rideshare service, you will need rideshare insurance to stay covered throughout the entirety of your shift.
Without rideshare insurance, you won’t have coverage while your rideshare app is on and you’re waiting to match a new passenger. If you get into an accident during this period and you don’t have rideshare insurance, you may have to pay out of pocket for damages/injuries.
4. Best Auto Insurance for Military and Veterans in Hawaii - USAA
What We Like Most:
- Cheapest rates for teens on a family policy or on their own
- Special discount for teens transitioning off their parents’ policy
- Strong customer service and claims process
USAA is known for its affordable rates, excellent customer service scores, membership perks, and specialized military coverage. If you’re one of the 160,000 active military, veterans, reserve members, and National Guard personnel, USAA is our top choice for you.6
Did You Know?
Veterans make up nearly 8 percent of Hawaii’s population, which is among the top 10 largest veteran populations per capita in the country.
Who It's Best For
- Military members, veterans, and military dependents
- Low-mileage drivers
- People leaving their car in Hawaii while on deployment
- People who need insurance overseas for military work
Who It's Not Best For
- Unsafe drivers
- Non-USAA members
Specialized Military Discounts
USAA offers specialized discounts for military members, including the following saving opportunities:
- Up to 60 percent off if you store your car in Hawaii while on deployment
- Up to 15 percent off your comprehensive coverage if you’re garaging your vehicle on a military installation
- 10 percent off for military kids when they sign up for car insurance with USAA
Excellent Customer Service Scores
With a J.D. Power score of 900 out of 1,000, USAA ranks the highest on our list for overall customer satisfaction. In Hawaii and across the country, USAA consistently scores the highest in customer satisfaction from J.D. Power.
Big Savings for Safe Drivers
You can save up to 30 percent for being a safe driver with USAA. When you sign up for SafePilot, USAA’s usage-based insurance program, USAA will track your driving habits and offer discounts based on how safely you drive.
5. Best Auto Insurance for Homeowners in Hawaii - Allstate
What We Like Most:
- Three ways to earn a student discount
- Pay-per-mile option for drivers with low mileage
- No waiting period to purchase accident forgiveness
Allstate is our top pick for homeowners who want to bundle their home and auto insurance policies. Not only does Allstate offer the largest multi-policy discount, but it also offers some of the cheapest home insurance rates in Hawaii, which will bring your overall insurance costs down when bundling.
Who It's Best For
- Homeowners
- People who bundle home and auto policies
- Safe drivers
- Good students
Who It's Not Best For
- Drivers with a bad record
Big Bundle Savings
With Allstate, you can earn up to 25 percent off your car insurance when you bundle home and auto policies. That’s the largest bundling discount on our list and a great way to bring your insurance costs down.
Here are all the ways you can save by bundling with Allstate:
- Auto + home
- Auto + renters
- Auto + motorcycle
- Auto + auto
Affordable Home Insurance Coverage
If you’re a homeowner looking to bundle home and auto insurance, it’s important to look at your overall insurance costs. While Allstate may not be the most affordable auto insurance provider in Hawaii, it might be the cheapest option when you calculate your total home and auto insurance costs.
Here’s how Allstate’s home insurance coverage compares to other top providers in Hawaii:
| Company | Annual average rate |
|---|---|
| Allstate | $543 |
| DB Insurance | $567 |
| Island Insurance | $982 |
| First Insurance | $1,038 |
| State Farm | $1,165 |
| Ocean Harbor | $1, 306 |
Incentives for Consistent Payments
You can take advantage of several Allstate payment option discounts to bring your costs down. Here are a few ways you can save on your car insurance by being a responsible customer:
- Early signing discount: If you sign and finalize your policy seven or more days before it becomes effective, you’ll earn a discount.
- Paperless discount: Go paperless with an ePolicy and save on your auto insurance.
- Pay-in-full discount: You’ll get a discount when you pay for your annual policy in full.
- Responsible payer discount: Stay insured with Allstate without receiving a cancellation notice for missing a payment, and you’ll be eligible for this discount.
Frequently Asked Questions
How many years do I need to maintain an SR-22 in Hawaii?
If you’re required to file an SR-22, you will need to maintain your certification for three years.
If I’m visiting Hawaii, do I need rental coverage?
If you’re renting a vehicle in Hawaii while on a trip, you likely won’t need additional rental coverage from your provider. Rental car insurance companies are required to provide the minimum coverage for all rentals in Hawaii; any additional coverage you want to obtain is optional.
Does Hawaii offer a state-run assistance program for low-income drivers?
Yes. You can apply for Hawaii no-fault auto insurance at no cost if you meet the following requirements:
- You’re the recipient of financial assistance payments or supplemental security income benefits.
- You have a valid driver’s license or are unlicensed, permanently disabled, and unable to operate your own vehicle.
- You’re the sole registered owner of your vehicle.
Which company offers the cheapest insurance on Oahu?
On average, GEICO, State Farm, and USAA offer the cheapest rates on Oahu.
Which company offers the best rates for seniors in Hawaii?
On average, GEICO offers the cheapest rates for seniors. GEICO’s prices range from about $1,100 to $1,500 for drivers between the ages of 50 and 70.
Methodology
Every state has different insurance needs based on its demographics, uninsured motorist rates, violation and accident rates, and more. We designed this list based on the most relevant needs for drivers in Hawaii, including the cheapest rates, most accessible companies, best discounts, highest customer service scores, and more.
- 20 years of insider work: AutoInsurance.com has helped customers find quality insurance for over 20 years. Through those interactions, we’ve collected millions of data points on which providers offer the best insurance rates for different types of customers. We leverage that data to help identify the best providers in Hawaii and across the U.S.
- Public information: Public information and data from reputable nonprofit and traffic organizations, like NHTSA and the NAIC, provide us with the information we need to assess the safety of each state, including accident rates, speeding rates, and DUI rates.
- Expert guidance: Finally, we consult with Paul Ford, president of insurance at AutoInsurance.com’s parent company, Centerfield. Paul has decades of work in the insurance industry, with tenures at InsLogic, Capital One, NetQuote, Datalot, and others. With the help of Ford, our insurance experts are able to help you make the best insurance decisions for your unique needs.
Staff Writer & Editor
Ali Saleh is a copywriter with nearly 10 years of experience in content writing, editing, and journalism. Ali’s work has been featured on a number of notable sites and publications, including MSN, Business.com’s award-winning newsletter, and Groove Korea, South Korea’s largest English-print magazine. Today, he writes for dozens of brands, providing expert guides and informative articles on auto insurance, healthcare, recruiting technology, business, and more. Ali holds a Master of Fine Arts in creative writing from North Carolina State University.
Citations
MOTOR VEHICLE INSURANCE INFORMATION. Department of Commerce and Consumer Affairs. (2023).
https://cca.hawaii.gov/ins/consumers/mvi/Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds. J.D. Power. (2023 Oct 26).
https://www.jdpower.com/business/press-releases/2023-us-auto-claims-satisfaction-studyOverview of Motor Vehicle Crashes in 2020. U.S. Department of Transportation. (2022, Mar).
https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/813266Federal Civilian Employment. U.S. Office of Personnel Management. (2017, Sep).
https://www.opm.gov/policy-data-oversight/data-analysis-documentation/federal-employment-reports/reports-publications/federal-civilian-employment/LICENSED MALE DRIVERS, BY AGE – 2000. U.S. Department of Transportation. (2000).
https://www.fhwa.dot.gov/ohim/hs00/dl22.htmQUICK DEFENSE FACTS. Business Development and Support Division. (2023).
https://invest.hawaii.gov/hawaii-defense-economy/quick-defense-facts/
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