Cheapest Car Insurance in Hawaii

Here are the cheapest carriers in Hawaii for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Hawaii.

Companies Quotes


$46 /mo
State Farm

State Farm

$53 /mo

Best Car Insurance in Hawaii

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Hawaii.

Companies Insurify
Composite Score

State Farm

$53 /mo


$46 /mo

Car Insurance in Hawaii

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Hawaii to find you the cheapest quotes in each of these metropolitan areas.

Honolulu is by far the most populous city in Hawaii. A joint city-county, Honolulu is home to about nearly a quarter of Hawaiian residents.

Hawaii Driving Facts

Hawaii's minimum liability car insurance limits are as follows:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

States with Most
DUIs Rank
moving violations
States with Most
Moving Violations Rank
popular car
Most Popular Car
Toyota Camry
speeding violations
States with Most
Speeding Tickets Rank
suspended licenses
States with Most
Suspended Licenses Rank

Green Driving in Hawaii

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint.

The Aloha State has superior air quality index ratings compared to those of the contiguous 48 states. It was also the first state to enact legislation that would model its environmental standards with the Paris Climate Accord. The state does not have many substantial ordinances about alternative fuel vehicles, even though it has a high proportion of green drivers in the form of those operating hybrids, electric cars, and other fuel efficient cars. Idling is illegal in Hawaii.

most patriotic
% of Hybrids/Electrics 4%

Most Patriotic City


Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Hawaii is vital for all car insurance shoppers hitting the road in The Aloha State.

Road Rankings

28% Rural Roads in
Poor Condition

#4 Ranked