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There are 1.4 million residents in Hawaii. And they only give directions with mauka and makai. Before you get in your ride and get stuck in the car on your way to fresh fish from Da Poke Shack, spam musubi from Broke Da Mouth Grindz, or loco moco from Café 100—are you getting the best car insurance rate?
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.
| Cheapest Companies | Quotes |
|---|---|
 Allstate | $46/mo |
 Progressive | $46/mo |
 State Farm | $53/mo |
 GEICO | $63/mo |
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. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Quotes | |
|---|---|---|
State Farm | $53/mo | |
GEICO | $63/mo | |
Allstate | $46/mo | |
Progressive | $46/mo |
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.
| City | Cheapest Carrier | Quote |
|---|---|---|
| Honolulu |  Allstate | $47/mo |
| Pearl City | Progressive | $50/mo |
| Hilo | Progressive | $52/mo |
| Waipahu | Progressive | $50/mo |
| Kaneohe | Progressive | $50/mo |
| Kahului | Allstate | $46/mo |
| Kihei | Allstate | $46/mo |
| Wahiawa | Progressive | $50/mo |
| Schofield Barracks | Allstate | $47/mo |
| Wailuku | Allstate | $46/mo |
| Kapolei | Allstate | $47/mo |
| Ewa Beach | Progressive | $50/mo |
| Waianae | Allstate | $47/mo |
| Kailua | Progressive | $50/mo |
The state of Hawaii requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Hawaii are:
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Hawaii state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.
The minimum property damage liability insurance requirements in Hawaii are:
Property damage liability coverage pays for any property that you damage in an accident. The state of Hawaii requires $10,000 for the minimum. You’ll see the collective state minimum listed at 20/40/10. The 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.
The minimum personal injury protection (PIP) insurance requirements in Hawaii are:
Hawaii is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. Hawaii PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The minimum coverage limits Hawaii state law requires is $10,000 per person per accident.
Here are the cheapest insurance companies in Hawaii based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
For Hawaii drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Allstate offers the best options for good drivers in Hawaii, at $46 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | Quotes |
|---|---|
Allstate | $46/mo |
Progressive | $46/mo |
State Farm | $53/mo |
GEICO | $63/mo |
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | Quotes |
|---|---|
GEICO | $36/mo |
State Farm | $44/mo |
USAA | $56/mo |
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | Quotes |
|---|---|
GEICO | $25/mo |
USAA | $36/mo |
Island Insurance Group | $48/mo |
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | Quotes |
|---|---|
USAA | $28/mo |
State Farm | $44/mo |
If you’re under 40 years old in the state of Hawaii, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $28 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Hawaii 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Hawaii residents lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | Quotes |
|---|---|
USAA | $28/mo |
Island Insurance Group | $36/mo |
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Hawaii on your behalf.
The Motor Vehicles Licensing and Permits Division (DMV) has seven driver license centers, 10 satellite city hall locations, and five Hawaii DMV now kiosks (specifically for vehicle registration renewal). Most offices have hours from 8:00 AM to 4:00 PM on weekdays. There are a few exceptions, so call or check online before you go. The DMV locations are walk-in friendly, and you can get a head start by setting your appointment online (the DMV recommends you schedule a road test ahead of time).
The online portal lets you skip the drive and amongst other services you can:
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.
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. This city has been named the "greenest" in the state by Insurify.
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.
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.
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.
