The Cheapest Hawaii Car Insurance Rates Are $23/Mo ($275/yr) for Liability Insurance and $84/mo ($1,006/yr) for a Full Coverage Policy from USAA.
Discover if you are overpaying for car insurance below.
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The Cheapest Hawaii Car Insurance Rates Are $23/Mo ($275/yr) for Liability Insurance and $84/mo ($1,006/yr) for a Full Coverage Policy from USAA.
Discover if you are overpaying for car insurance below.
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While the cost of living is high, rates for car insurance in Hawaii can be relatively affordable. We at the MarketWatch Guides Auto Team researched the nation’s top car insurance providers and examined premiums, pricing, ratings and customer reviews. We then created a list to name the cheapest car insurance in Hawaii, which we will discuss below along with providing estimates for various driver profiles and situations.
Learn more about our methodology and editorial guidelines.
Car insurance rates are slightly above the national average in Hawaii. But that shouldn’t stop you from finding great car insurance in the Aloha State at excellent rates. Here, we’ll look at the cheapest car insurance companies and coverage options in the state, starting with the most affordable providers and coverage options.
The cheapest car insurance companies in Hawaii are Geico, State Farm, USAA, Progressive and Farmers. Each company offers affordable car insurance, various coverage options and strong customer service.
*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Hawaii.
Car insurance companies have different calculation methods for premiums. Because of this, no two quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Hawaii.
The coverage level you choose can have a significant impact on the price you pay for car insurance. Most providers give estimates for minimum liability and full coverage car insurance when you shop for car insurance. While minimum liability is all that is required, it’s worth considering a full coverage auto insurance policy for peace of mind.
At $23 per month or $275 per year, USAA provides the cheapest liability insurance in Hawaii for most drivers. Geico, Island Insurance and Allstate are also great options for Hawaii motorists.
Cheapest Liability Insurance in Hawaii | Estimated Monthly Cost | Estimated Annual Cost |
---|---|---|
USAA | $23 | $275 |
Geico | $28 | $340 |
Island Insurance | $35 | $423 |
Allstate | $39 | $469 |
Farmers | $48 | $575 |
USAA offers the cheapest full coverage car insurance on average in Hawaii, costing $84 per month or $1,006 per year. Allstate, Geico and Island Insurance are also affordable options for a full coverage policy in the Aloha State.
Cheapest Full Coverage Insurance in Hawaii | Estimated Monthly Cost | Estimated Annual Cost |
---|---|---|
USAA | $84 | $1,006 |
Allstate | $117 | $1,404 |
Geico | $118 | $1,419 |
Island Insurance | $129 | $1,553 |
Progressive | $133 | $1,597 |
Farmers | $148 | $1,777 |
Several factors impact the cost of car insurance in Hawaii, including your driving history. In the sections below, we’ll compare cheap car insurance estimates for Hawaii drivers in these categories.
High-risk drivers who have a DUI, speeding ticket or recent accident on their driving record can pay substantially more for auto insurance. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.
Having a recent speeding ticket on your record will raise your rates for car insurance in Hawaii. On average, motorists with a speeding violation pay $124 each month or $1,490 per year for full coverage car insurance.
Cheapest Car Insurance in Hawaii | Estimated Monthly Cost | Estimated Annual Cost |
---|---|---|
Geico | $71 | $851 |
USAA | $89 | $1,064 |
State Farm | $91 | $1,087 |
Island Insurance | $133 | $1,592 |
Farmers | $148 | $1,776 |
Your car insurance rates in the Aloha State will skyrocket after a recent accident. Based on our rate estimates, drivers pay an average of $148 per month or $1,778 per year for full coverage insurance after an accident.
Cheapest Car Insurance in Hawaii | Estimated Monthly Cost | Estimated Annual Cost |
---|---|---|
State Farm | $99 | $1,182 |
Geico | $104 | $1,243 |
USAA | $104 | $1,247 |
Island Insurance | $163 | $1,957 |
Progressive | $179 | $2,147 |
Hawaii drivers pay a steep price for car insurance after a DUI, since most car insurance companies will view you as a high-risk driver. Our research found full coverage car insurance costs about $362 per month or $4,338 per year after a DUI.
Cheapest Car Insurance in Hawaii | Estimated Monthly Cost | Estimated Annual Cost |
---|---|---|
State Farm | $91 | $1,087 |
USAA | $171 | $2,049 |
Progressive | $200 | $2,402 |
Farmers | $212 | $2,545 |
Allstate | $327 | $3,927 |
For those who would like to know about the cheapest auto insurance in the Aloha State, the sections below provide more detailed information.
Full coverage car insurance in Hawaii generally costs around $1,819 per year, or $152 per month, which is near the national average of $1,730 per year, or $144 per month.
Here’s a look at how car insurance costs in Hawaii compare to other states in the nation.
For minimum liability coverage, Hawaii drivers pay an average of $625 per year, or $52 per month, which is just below the national average of $635 annually or $53 monthly.
While car insurance costs usually vary by area and city, Hawaii insurance costs are relatively steady across the entire state. You can expect to find slightly cheaper rates on Maui than on Oahu.
City in Hawaii | Estimated Monthly Cost | Estimated Annual Cost |
---|---|---|
Kapaa | $171 | $2,052 |
Lihue | $171 | $2,052 |
Waimea | $191 | $2,295 |
Honolulu | $193 | $2,312 |
MCBH Kaneohe Bay | $193 | $2,312 |
Schofield Barracks | $193 | $2,312 |
Pearl City | $193 | $2,312 |
Kaneohe | $193 | $2,312 |
Mililani Town | $193 | $2,312 |
Kapolei | $193 | $2,312 |
Wahiawa | $193 | $2,312 |
Waimalu | $193 | $2,312 |
Waianae | $193 | $2,312 |
Waipahu | $195 | $2,338 |
Ewa Gentry | $195 | $2,338 |
Kahului | $199 | $2,386 |
Kihei | $199 | $2,386 |
Wailuku | $199 | $2,386 |
Pukalani | $199 | $2,386 |
Lahaina | $199 | $2,386 |
Kailua | $202 | $2,425 |
Hilo | $212 | $2,538 |
Hawaiian Paradise Park | $212 | $2,538 |
*Average estimates apply to the three most popular companies per city.
Your auto insurance rates largely depend on your situation and the type of vehicle you own. Unlike in most states, credit scores play zero role in determining how much drivers pay for car insurance in Hawaii. Your age, gender, marital status and length of driving experience are also excluded from rate calculations in the Aloha State.
Each insurance provider weighs factors differently, but insurers in Hawaii typically look at:
Hawaii is a no-fault state, meaning your insurance company is responsible for paying medical expenses incurred during an accident regardless of who caused it. Because of this, you cannot sue or be sued unless you have serious injuries stemming from the car accident.
Due to these state laws, all drivers are required to have personal injury protection (PIP) coverage in addition to liability car insurance. Here are the minimum coverage requirements for car insurance in Hawaii:
For full car insurance coverage, you can also choose to purchase:
Whether you’re looking to purchase state minimum liability coverage or an extensive auto insurance policy, the easiest way to ensure you’re getting the best prices possible is to compare car insurance quotes online. This method allows you to find the top provider of car insurance in Hawaii for your situation and vehicle.
Aloha State residents will generally find their best and cheapest car insurance coverage through Geico, State Farm, USAA and Progressive. These companies all combine low prices with strong coverage and service from insurance agents.
Below are frequently asked questions about cheap car insurance in Hawaii:
The average car insurance rate in Hawaii is $152 per month or $1,819 per year for full coverage. For minimum liability coverage, drivers in the Aloha State pay an average of $52 per month or $625 per year.
Average rates stay low because of the state’s strict nondiscrimination laws, which ban insurers from considering one’s credit score, age, gender, marital status or years of driving experience when calculating rates. Because of this, companies have a tougher time increasing insurance costs for high-risk drivers.
Hawaii drivers are required to carry $20,000 per person and $40,000 per accident bodily injury liability insurance, $10,000 per person personal injury protection and $10,000 per person property damage liability insurance.
All drivers are required to carry car insurance in Hawaii. You can be ticketed and fined if you drive a motor vehicle without its required insurance card. If you don’t have insurance, you must surrender your registration card and license plates to the county finance director.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Our credentials:
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.