Cheapest Auto Insurance in Hawaii (2025)
With monthly liability rates starting at $40, State Farm is the cheapest car insurance company in Hawaii.
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Written byJessica Martel
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
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Table of contents
The average cost of auto insurance in Hawaii is $88, substantially cheaper than the national average of $150. This could partly be because Hawaii currently has one of the lowest required minimums for bodily injury coverage, at $20,000 per person.
But the state legislature is considering increasing the minimum coverage requirements for liability car insurance, which could lead to increases in auto policy premiums on the islands.
Here’s what you should know about finding cheap coverage in the Aloha State.
Quick Facts
State Farm, Allstate, and Midvale Home & Auto have the cheapest car insurance in Hawaii.
Since Hawaii is a no-fault state, you have to file a claim for any bodily injuries with your insurance company, even when you’re in an accident you didn’t cause.
Hawaii law prohibits the use of credit ratings to determine auto insurance premiums.
3 of the cheapest car insurance companies in Hawaii
The cost of car insurance depends on a variety of factors, including your age, where you live, and the type of car you drive. The right car insurance policy for you will depend on your individual situation and budget.
State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
4.2
Best choiceBased on 11,128 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,002)
Jane
May 19, 2025
Verified Review
State Farm is too expensive
I was with them for over forty years, but my insurance kept going up. I was paying $400.00 a month, so I had to leave.
Richard
May 18, 2025
Verified Review
Customer service a lost cause
I've been with them for over 25 years, and a few years ago, my agent retired, and the customer service went completely downhill. My former agent would call just to say hi and ask if there was anything I needed. The new agent and I have rarely talked, maybe 2-3 times in 4-5 years. I also tried to get a lower rate because I have multiple cars, but I never heard back, and they just increased the prices.
Jimi
May 16, 2025
Verified Review
Average
No response to the email sent to the agent. Unable to get the status of a claim. Premium increased.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
For more than 100 years, State Farm has offered customers a variety of investment, banking, and insurance products, including auto, homeowners, life, and business insurance. State Farm offers Hawaii drivers some of the lowest car insurance rates.
Pros
Strong J.D. Power customer satisfaction ratings
A++ (Superior) financial strength ranking from AM Best
Cons
Doesn’t offer gap insurance
Fewer discounts than some competitors
Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $130/mo |
4.0
Best choiceBased on 6,776 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,628)
Gary
May 22, 2025
Verified Review
Phatdaddy review
Excellent coverage; somewhat pricey.
Danny
May 17, 2025
Verified Review
Insurance Rate Increase
They increased my rate by $150 per month without any notice. I understand that prices can go up, but $150 per month feels excessive.
Ronald
May 16, 2025
Verified Review
Unexplained Rate Increases at Every Renewal
Auto insurance rates increase $50-$75 every 6 months. Homeowners insurance rates increase $700 yearly. All due to inflation, or so I'm told.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Allstate customers can shop for a variety of insurance products, including home, renters, motorcycle, life, and auto insurance. To save money, Hawaii drivers can take advantage of a wide range of discounts, such as new-car, anti-theft, student, and safe-driving discounts.
Pros
Rental car reimbursement coverage available
Offers rideshare coverage
Cons
Above average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC)
Low customer reviews
Midvale Home & Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
Best For
Student drivers
Optional coverages
Bundling savings
Best For
Student drivers
Optional coverages
Bundling savings
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Midvale Home & Auto is a subsidiary of American Family Insurance. It offers home, condo, renters insurance, and auto insurance coverage. Drivers can choose from a range of car insurance products, including comprehensive, collision, bodily injury, medical payments, and more.
Pros
Offers gap insurance
Can save by bundling home and auto insurance
Cons
High auto insurance premiums compared to other insurers
Can’t get a quote online
How to get the cheapest car insurance in Hawaii
Insurance companies base car insurance premiums on a variety of factors, including your age, your gender, your ZIP code, the type of car you drive, how often you drive, and your driving record. To get the cheapest car insurance coverage in Hawaii, consider the following tips:
Keep a clean driving record. The cleaner your driving record, the better your premium. If you’ve been in an accident or had another traffic violation, you can expect your insurance rate to go up.
Drive a safe car. Some insurance companies offer discounts if you drive a car with quality safety features.
Increase your deductible. Requesting a higher deductible can lower your monthly costs significantly. For example, going from a $200 to a $500 deductible can reduce the cost of your collision and comprehensive coverage by 15%–30%, according to the Insurance Information Institute.[1]
Comparison shop. The cost of auto insurance varies between insurers. By comparing quotes from three or more companies, you can find the insurance that best fits your needs and budget.
Find Cheap Car Insurance in Hawaii
Liability rates start at $40 per month
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Cheapest liability-only car insurance quotes in Hawaii
Nearly every state requires a minimum amount of car insurance, including Hawaii. Liability-only car insurance is composed of bodily injury and property damage liability.
Bodily injury covers the other person’s medical expenses if you cause a car accident. Property damage coverage pays for damages that you cause to someone’s vehicle or other property, such as a sign or fence. Liability-only coverage doesn’t cover your vehicle if you cause an accident.
In Hawaii, the minimum level of coverage also includes personal injury protection (PIP), which pays for your injuries after an accident, regardless of fault. Liability-only insurance in Hawaii costs $64 per month, on average. The following table provides the lowest average quotes for liability insurance in Hawaii.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $40 |
| Allstate | $43 |
| Midvale Home & Auto | $68 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Hawaii
If you want additional protection for you and your vehicle in Hawaii, you can purchase full-coverage car insurance. Full-coverage car insurance includes liability, comprehensive, and collision coverage. While liability-only insurance covers damages to the other driver’s vehicle, comprehensive insurance covers your vehicle if you’re in an accident.
Hawaii drivers pay an average of $111 per month for full coverage. The table below provides average monthly rate quotes for the cheapest companies in Hawaii.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $56 |
| Allstate | $61 |
| Midvale Home & Auto | $131 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Your age affects how much you pay for car insurance.
Teens and young drivers pay some of the highest insurance rates because they have less experience on the road and a higher risk of getting into an accident.
Insurance rates tend to decrease around age 25 and then increase again around age 70. As drivers age, they can experience impairments that affect how they drive. Senior drivers 70 and older also have a higher fatal crash rate compared to middle-aged drivers.[2] This creates more risk for insurers, which leads to higher insurance rates.
Age GroupAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageTeen drivers $131 $250 Adult drivers $75 $143 Senior drivers $70 $134 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Hawaii
If you want to own a car in Hawaii, you must have car insurance. If you’re caught without insurance, you’ll have to surrender your registration and license plate to the country director of finance, and you won’t be able to drive.
Hawaii is a no-fault state, which means if you’re in an accident, your insurance company will cover the bills for your injuries up to your personal injury protection (PIP) limit. But “no fault” only applies to injuries, not property. If you’re in an accident that isn’t your fault, your PIP insurance will cover your medical bills, but the at-fault driver is responsible for any damages to your vehicle or property.[3]
The table below lists the state-required minimum insurance coverage.
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | $10,000 per person |
| Bodily injury liability | $20,000 per person / $40,000 per accident |
| Property damage liability | $10,000 per accident |
For additional protection, you can purchase optional insurance coverage, including:
Collision coverage
Collision insurance covers the cost of damages to your car if you get in a collision with another vehicle or hit an object, such as a guardrail or fence, and it’s your fault.
Comprehensive coverage
Comprehensive insurance covers damages to your car that aren’t caused by a collision, such as theft, fire, hail, a falling tree, or some other hazard.
Uninsured/underinsured motorist coverage
Uninsured motorist coverage protects you if you’re in an accident with a driver who doesn’t have insurance or if you’re in a hit-and-run. Underinsured coverage reimburses you if the other driver doesn’t have enough insurance.
Cheapest car insurance in Hawaii by driving record
Driving incidents — such as speeding tickets, driving under the influence, and at-fault accidents — can cause your insurance premiums to go up. If you have any of these on your record, insurance companies typically charge you more because they see you as a higher risk.
For example, Hawaii drivers with a clean record pay an average of $73 per month for a liability policy. But that rate increases to $175 per month for Hawaii drivers with a DUI.
Insurance Company | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
|---|---|---|---|
| State Farm | $56 | $59 | $67 |
| Allstate | $61 | $64 | $73 |
| Midvale Home & Auto | $104 | $90 | $127 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Hawaii
Find affordable coverage with an incident on your record
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Hawaii car insurance FAQs
If you’re shopping for car insurance in the Aloha State, this additional information may help as you research your coverage options.
Car insurance in Hawaii costs $64 per month for liability coverage and $111 per month for full coverage, according to Insurify data.
State Farm has the cheapest car insurance in Hawaii, with monthly liability rates of $40. Allstate and Midvale Home & Auto also offer affordable coverage, with respective monthly liability rates of $43 and $68.
But the cheapest insurance company for you will depend on many factors, including your age, your ZIP code, the type of car you drive, and the coverage levels you choose.
State Farm is one of the best car insurance companies in Hawaii. It has an IQ Score of 9.3, above-average J.D. Power customer satisfaction ratings, and an A++ (Superior) financial strength rating from AM Best. Other top insurers in the state include Allstate and Midvale Home & Auto.
Hawaii requires drivers to carry $10,000 per person in personal injury protection, $20,000 per person and $40,000 per accident in bodily injury liability, and $10,000 per accident in property damage liability.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Insurance Institute for Highway Safety. "Older drivers."
- Hawaii Department of Commerce and Consumer Affairs. "Motor Vehicle Insurance Information."
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Jessica Martel
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.