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 is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.
Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.
When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.
Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
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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 Company
Best For
Average Monthly Quote: Full Coverage
Insurify 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.
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.
Allstate earned the title of best overall car insurance in Hawaii based on a high rating in the 2022 J.D. Power U.S. Auto Claims Satisfaction Study. In the study, Allstate earned 889 out of 1,000 points, which was well above average. The company also has an A+ A.M. Best rating, which signals strong financial stability, and an IQ Score of 4.1 out of 5.
Pros
Available in all 50 states
A+ (Superior) A.M. Best rating
Many discounts available
Cons
Average rates compared to other insurers
Low customer reviews on Better Business Bureau (BBB) website
Some customers report negative experiences on Trustpilot
GEICO is a well-known insurance company whose iconic gecko promises savings for making the switch. The company has a 4.3 IQ Score, which matches up with GEICO’s above-average rating in the 2022 J.D. Power U.S. Auto Claims Satisfaction Study (874 out of 1,000).
Pros
Coverage available in all 50 states
A++ (Superior) A.M. Best rating
Long list of available discounts
Cons
Doesn’t offer gap insurance
Limited number of local agents
Telematics app not available in every state
Most affordable car insurance in Hawaii: State Farm
State Farm offers relatively affordable rates balanced with high claim satisfaction. The company earned an IQ Score of 4.4 out of 5 and an above-average rating in the 2022 J.D. Power U.S. Auto Claims Satisfaction Study (882 out of 1,000).
Pros
Payoff Protection can protect you financially if your car is totaled or stolen
Young drivers often pay more than average for car insurance. Hawaiians younger than 25 can find a lot to like about Travelers, which tends to offer affordable rates to young drivers. The company earned a 4.3 IQ Score. But it landed with a below-average score in the 2022 J.D. Power U.S. Auto Claims Satisfaction Study, with 854 out of 1,000 points.
Pros
A++ (Superior) A.M. Best rating
Many discounts available
Extensive coverage options
Cons
Low customer reviews on BBB website
Below-average score in 2022 J.D. Power U.S. Auto Claims Satisfaction Study
Island Insurance Companies is a local firm offering insurance products, including auto insurance, to families in Hawaii. The company has been around for more than 80 years. Part of its appeal is that the company works to keep the funds you pay in the state. With various levels of coverage, you can find an option that suits your needs.
Pros
Locally owned and in business for more than 80 years
Commuters everywhere know that accidents can happen. If you want accident forgiveness, Liberty Mutual is a good choice. But the company earned a below-average score in the J.D. Power U.S. Auto Claims Satisfaction Study (870 out of 1,000), and it has an IQ Score of 3.7 out of 5.
Pros
A (Excellent) A.M. Best rating
Offers a wide range of discounts
Accident forgiveness available
Cons
Below-average score in 2022 J.D. Power U.S. Auto Claims Satisfaction Study
USAAoffers a worthwhile car insurance option to drivers who qualify. You’ll need to be a military member, veteran, or family member of one to sign up with USAA. If you qualify, USAA tends to provide affordable rates, and it earned an above-average score in the J.D. Power U.S. Auto Claims Satisfaction Study.
Pros
Offers many products in addition to insurance, such as banking, credit cards, and mortgage loans
A++ (Superior) A.M. Best rating
Many discounts available
Cons
Doesn’t offer gap insurance
Only available with appropriate military connection
Limited customer service hours to speak with a live agent
Progressive is one of the largest insurance companies in the U.S. With a wide range of coverage options, the company lets retirees find policies that suit their budgets and offers the financial protection they’re looking for. Although Progressive earned a below-average score in the J.D. Power U.S. Auto Claims Satisfaction Study (861 out of 1,000), it earned a 4.1 IQ Score.
Pros
A+ (Superior) A.M. Best rating
Tends to be affordable for older drivers
Many discount options
Cons
Low customer reviews on BBB website
Below-average score in 2022 J.D. Power U.S. Auto Claims Satisfaction Study
Like the name suggests, Nationwide makes its mark by offering robust auto insurance coverage options across the country. If you’re planning to spend time on the islands, Nationwide can help with coverage. The company earned an IQ Score of 4.1 out of 5, but it landed a below-average score in the 2022 J.D. Power U.S. Auto Claim Satisfaction Study (868 out of 1,000).
Pros
A+ (Superior) A.M. Best rating
Offers plentiful discounts
Range of coverage options
Cons
Low customer reviews on BBB website
Not available in every state
No rideshare coverage
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.
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.
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 carryproof of insurance in your car at all times and have it available when:
A 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 accident
This 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 person
Personal 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.
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.
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.
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.
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 Company
Average Monthly Quote
Compared 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.
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Hawaii car insurance rates by driver age
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 optionfor 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 ratingtypically 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 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
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 Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
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 is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.
Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.
When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.
Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
