Cheap Car Insurance in Hawaii (September 2023)

Allstate, State Farm, and GEICO are some of the best companies for car insurance in Hawaii.

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Sarah Sharkey
Sarah Sharkey
Updated September 20, 2023
Sarah Sharkey
Sarah SharkeyInsurance Writer
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Drivers in the Aloha State pay an average of $110 per month for car insurance. But depending on the insurance company, you could pay more or less for coverage. Here’s what you should know about some of the best car insurance options available to Hawaiians.

Quick Facts
  • The average cost of car insurance in Hawaii is $110 per month.

  • GEICO is the cheapest insurer in Hawaii, with average rates of $107 a month.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best car insurance companies in Hawaii

The best car insurance company isn’t a one-size-fits-all answer. Instead, you’ll need to determine which company is best for you based on your unique situation.

Insurance CompanyBest ForAverage Monthly Quote: Full CoverageInsurify Quality Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
AllstateOverall$2264.1
GEICOLow rates$1074.3
State FarmAffordability$1134.4
TravelersYoung driversN/A4.3
Island Insurance CompaniesFamilies$198N/A
Liberty MutualCommutersN/A3.8
USAAMilitary members$1394.5
ProgressiveRetirees$2244.1
NationwideTouristsN/A4.1
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

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Best car insurance overall: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$134/mo

Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Pros
  • Well-established with superior ratings from A.M. Best

  • Pay-per-mile option available

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

Good company, but costs more for premiums

Patricia - February 1, 2023
Verified

My rate for auto insurance jumped approximately $100 after six months and I was unable to get a satisfactory explanation.

Burl - January 30, 2023
Verified

They’ve given good service, but there were times when things could have been handled a bit more professionally.

Dorothy - January 18, 2023
Verified
Read our Allstate review

Best cheap car insurance in Hawaii: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$52/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.
$112/mo

A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

Good communication

John - February 4, 2023
Verified

They offer the best rate.

Shannon - February 1, 2023
Verified

Any time I called them, they were on top of it and gave me an answer right away.

John - January 31, 2023
Verified
Read our GEICO review

Most affordable car insurance in Hawaii: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$51/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.
$108/mo

State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023
Verified

Premiums jump every six months

Kenneth - January 31, 2023
Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023
Verified
Read our State Farm review

Best for young drivers: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$89/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.
$196/mo

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau

They have the lowest rates I could find.

Elise - September 11, 2023
Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023
Verified

Good service.

Jorge - September 4, 2023
Verified
Read our Travelers review

Best for families: Island Insurance Companies

Best for commuters: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$87/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.
$171/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Service has always been great

Jackie - January 30, 2023
Verified

I can’t figure how much I am paying.

Rickie - January 29, 2023
Verified

I got uninsured motorist added to meet the minimum state liability for less than what I was paying before, but now my rates have gone up even though I have an impeccable driving record and travel way under 10K miles annually.

Virginia - January 24, 2023
Verified
Read our Liberty Mutual review

Best for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$45/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.
$98/mo

In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including for bundling, insuring multiple vehicles, living on a military base, and more. A.M. Best gives USAA an A++ rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s Overall Customer Satisfaction Index. Customer reviews are mixed for service and claims processing.

Pros
  • Low premiums

  • SafePilot program rewards good driving with up to 30% discount

Cons
  • Only available to active-duty military, veterans, military spouses, or children of service members or veterans

  • No 24/7 customer phone support

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023
Verified

They Serve The Veteran.

Jack - September 7, 2023
Verified

Raised rates nearly 43%.

Jan - June 19, 2023
Verified
Read our USAA review

Best for retirees: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$84/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.
$152/mo

Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

Cons
  • Higher-than-expected amount of complaints

  • Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Very good service but too expensive

Dewey - February 2, 2023
Verified

I called with questions; the answers were complete and to the point.

Yvonne - February 1, 2023
Verified

Would not let us bundle

Gary - February 1, 2023
Verified
Read our Progressive review

Best for tourists: Nationwide

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
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+

In business since 1925, Nationwide is one of the largest insurers, and sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ rating from A.M. Best for financial stability, and an only slightly higher-than-expected number of customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Numerous discount and savings opportunities

  • SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)

Cons
  • Not available in every state

  • Some discounts and programs not available in all states

Reliable when needed; will fight for you; good discounts for being a loyal customer. They’re on your side.

Alexander - December 4, 2022
Verified

Premiums are high and they dropped us after two claims.

Kenneth - November 26, 2022
Verified

They’re on my side!

Philomina - November 22, 2022
Verified
Read our Nationwide review

How Insurify’s experts used internal proprietary data to rate the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

How to shop for the best car insurance in Hawaii

Many reputable car insurance companies offer insurance to Hawaii residents. But the best car insurance option varies based on your situation.

Start by making a list of what’s most important to you. Here are a few things to consider:

  • Reputation of the company

  • Financial stability of the insurer

  • Policies offered

  • Customer ratings

  • Price points available

Once you determine which qualities are most important for your situation, you can use the list to find the right insurance company for you.

Learn More: How to Shop for Car Insurance in 6 Easy Steps

Learn More: How to Shop for Car Insurance in 6 Easy Steps

How to get the cheapest car insurance in Hawaii

Cheap car insurance can make a big difference for any household budget. Here are some strategies to help you lock in the best rates:[1]

  • Shop around. Comparing quotes across multiple car insurance companies can make all the difference. Each insurance company has a slightly different method of determining rates, which means shopping around can lead you to savings.

  • Choose the right vehicle. “The fact that Hawaii is an island can make it hard to source certain hard-to-find car parts,” says Ben Michael, director of auto at Michael & Associates. “If you drive a less-common make or model of car, you can expect to pay more for insurance as well as for repairs.” Picking the right vehicle can help you find lower rates.

  • Be a safe driver. Drivers without any violations on their driving record tend to pay less for car insurance.

  • Ask for a discount. Car insurance companies offer a wide range of discounts. Before signing up for an auto policy, ask if you qualify for a discount.

  • Take a defensive driving course. Many top insurance companies offer a discount to drivers who brush up on their skills. When you finish the course, you might enjoy a lower cost of car insurance.

Minimum car insurance requirements in Hawaii

The state of Hawaii requires all motor vehicles operated or parked in the state to have insurance. You must carry proof of insurance in your car at all times and have it available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

These are the minimum liability insurance requirements for Hawaii drivers:[2]

Insurance TypeMinimum RequirementsWhat It Covers
Bodily injury liability$20,000 per person / $40,000 per accidentA major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder injured during an accident. Hawaii is a no-fault state, meaning both parties’ insurance companies will pay for expenses, regardless of who caused the accident.
Property damage liability$10,000 per accidentThis coverage pays for repairs to the property of the other involved parties. Additionally, property damage insurance can cover legal costs if the insured driver faces a lawsuit following the accident.
Personal injury protection (PIP)$10,000 per personPersonal injury protection coverage, also referred to as PIP coverage or no-fault insurance, will cover you and your passengers for medical payments they incur in the event of an accident. Depending on your plan, you may also receive nonmedical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Liability-only vs. full-coverage insurance in Hawaii

As a driver, you can choose to carry liability-only auto insurance. With minimum liability auto insurance, your insurance company will pay for expenses relating to the injuries and damages you cause to another party. However, this minimum liability coverage won’t help you repair your own vehicle.[3]

In general, liability-only insurance can make sense if:

  • You can only afford to squeeze the minimum amount of coverage into your budget.

  • You have a low-value vehicle.

  • You can afford to repair or replace the vehicle without the help of an insurance company.

While liability-only car insurance is helpful, many drivers choose to purchase more robust coverage. A full-coverage insurance policy includes collision and comprehensive coverage on top of liability coverage.

After an accident, collision coverage pays to repair or replace your vehicle. For even more protection, comprehensive coverage pays to repair or replace your vehicle after other unforeseen events, like theft, bad weather, and vandalism.

If you couldn’t afford to repair or replace your vehicle after an accident, a full-coverage policy might be a good fit. While you’ll pay more for a full-coverage policy, you’ll also have more financial protection from whatever life throws your way.

Here’s a look at the cheapest full-coverage auto insurance in Hawaii.

Insurance CompanyAverage Monthly Quote: Full Coverage
GEICO$107
State Farm$113
USAA$139
21st Century$170
Island Insurance$198
Progressive$224
Allstate$226
AIG$254
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Hawaii car insurance rates by driving and accident history

Your driving history can have a big effect on your car insurance costs.[4] As a driver, you might see your rates go up if any speeding tickets, DUIs, or at-fault accidents hit your driving record.

Most good drivers, without any traffic violations, tend to pay lower rates.

SR-22 insurance in Hawaii

An SR-22 is a form that indicates proof of financial responsibility. Some drivers may have to file this document with the Hawaii Department of Motor Vehicles (DMV). You might be required to file this form after a traffic court conviction.[5]

You’ll need to work with an insurance company that’s willing to provide an SR-22 form. Not all insurance companies provide this form, so if your current insurer doesn’t, then you’ll need to find car insurance from a different company.

A few insurance companies in Hawaii that offer SR-22 forms include Farmers, Midvale Home & Auto, and State Farm.

Keep Reading: The Complete Guide to SR-22 Insurance

Keep Reading: The Complete Guide to SR-22 Insurance

Hawaii car insurance quotes by credit tier

When insurance companies are determining rates, some states allow them to consider the driver’s credit score. Drivers with excellent or good credit scores tend to pay less for car insurance than those with poor credit scores.

In Hawaii, insurance companies aren’t allowed to take your credit score into account when determining auto insurance premiums.[6] As a driver in Hawaii, you don’t have to worry about a poor credit score resulting in higher rates.

Car insurance quotes in Hawaii cities

Every city has different variables that affect car insurance costs. For example, a city with more traffic and higher crime rates might also come with higher insurance premiums than a city with fewer drivers and less theft.

In Hawaii, car insurance rates vary slightly by city.

Car Insurance CompanyAverage Monthly QuoteCompared to State Average
Honolulu$109-1%
Wai‘anae$106-3%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Hawaii

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ProgressiveLiberty MutualTravelers

Hawaii car insurance rates by driver age

A driver’s age often has an effect on car insurance premiums. New drivers with less experience behind the wheel tend to face higher auto insurance premiums. In general, teen drivers pay the most, while older drivers tend to enjoy lower rates because older drivers with more experience are less likely to get into an accident.

But in Hawaii, rates don’t drop off after drivers turn 25. Instead, Insurify data shows that Hawaii drivers in their 30s face increased rates compared to teenagers on the road.

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.

Hawaii car insurance FAQs

If you’re shopping for car insurance in Hawaii, it’s important to know the state’s minimum coverage requirements as well as any additional coverage options you might need. Here’s some additional information about Hawaii car insurance that may help.

  • Who has the cheapest car insurance in Hawaii?

    Everyone has a unique car insurance situation, which means you can find the cheapest option for you by shopping around. When you compare multiple quotes, you’ll usually find that liability-only policies are cheaper than full-coverage policies.

    Midvale Home & Auto offers one of the cheapest car insurance options in Hawaii, based on Insurify data.

  • What is the required car insurance coverage in Hawaii?

    Hawaii requires drivers to carry at least $10,000 for PIP coverage, $20,000 per person for bodily injury liability, $40,000 per accident for bodily injury liability, and $10,000 for property damage liability. Compared to the minimum car insurance requirements of other states, Hawaii is in the middle of the pack. But the minimum coverage is just a starting point. Many drivers choose to carry more insurance to protect their financial interests after an accident.

  • What are the best car insurance companies in Hawaii?

    A few of the best car insurance companies in Hawaii include Allstate, State Farm, and USAA. As a driver, you’ll need to determine which car insurance company best suits your needs. Consider a company’s financial strength ratings, coverage, discount options, and customer reviews to gain more insight into whether it’s right for you.

  • How does credit score affect car insurance premiums in Hawaii?

    In some states, insurers can consider your credit rating when determining premiums. A higher credit score typically results in lower auto insurance premiums. But Hawaii doesn’t allow insurance companies to use your credit rating when setting your auto insurance premium.

  • Is Hawaii a no-fault state?

    Yes, Hawaii is considered a no-fault state. With that, you must carry coverage that will help you pay for your own medical costs after an accident.

Insurify Insights

How Hawaii Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Hawaii below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Hawaii drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Hawaii

#30

State with the Most Speeding Tickets Rank

#44

State with the Moving Violations Rank

#26

State with the Most DUIs Rank

#8

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Hawaii is the #49 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #49
    • Percent of drivers in Hawaii with an accident: 5.3%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hawaii is the #26 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #26
    • Percent of drivers in Hawaii with a DUI: 1.4%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Hawaii is the #42 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #42
    • Percent of drivers in Hawaii with a reckless driving offense: 0.9%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Hawaii is the #41 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #41
    • Percent of drivers in Hawaii with a rude driving violation: 1.1%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Hawaii is the #30 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #30
    • Percent of drivers in Hawaii with a speeding ticket: 7.9%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Hawaii is the #26 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #26
    • Percent of drivers in Hawaii with a failure to yield violation: 0.1%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "Nine ways to lower your auto insurance costs." Accessed April 18, 2023
  2. Hawaii Department of Commerce and Consumer Affairs. "Motor Vehicle Insurance Information." Accessed April 18, 2023
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed April 18, 2023
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed April 18, 2023
  5. Maui County.gov. "Financial Responsibility Sections." Accessed April 18, 2023
  6. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed April 18, 2023
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Ashley Cox
Edited byAshley CoxManaging Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxManaging Editor
  • 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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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

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