Cheap Auto Insurance Quotes in Hawaii (2021)

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Aloha! Here's car insurance that's cheap as a plate lunch and tasty as ono grinds. 

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?

 

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.

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. For the complete list, see Insurify's best car insurance companies.

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.

Quotes by Top Carriers
Quotes ($/mo)
$51
$55
$47
ProgressiveState FarmAllstate
Monthly $
CityCheapest Carrier
AllstateAllstate
$47/mo
Progressive
$50/mo
Progressive
$52/mo
Progressive
$50/mo
Progressive
$50/mo
AllstateAllstate
$46/mo
AllstateAllstate
$46/mo
Progressive
$50/mo
AllstateAllstate
$47/mo
AllstateAllstate
$46/mo
AllstateAllstate
$47/mo
Progressive
$50/mo
AllstateAllstate
$47/mo
Progressive
$50/mo

Cheapest Liability Auto Insurance in Hawaii

For drivers in Hawaii, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Hawaii. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Hawaii.

Cheapest Full Coverage Auto Insurance in Hawaii

For drivers in Hawaii, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Hawaii. The following are the best insurance rates from carriers that offer full coverage auto insurance in Hawaii.

Hawaii Driving Facts

hawaii

Minimum Car Insurance Requirements in HI

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:

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

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:

  • $10,000 property damage liability per accident

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:

  • $10,000 personal injury protection (PIP) per person per accident

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.

Cheapest Car Insurance Quotes in Hawaii by Profile

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.

Cheap Car Insurance for Good Drivers

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
Allstate
$46/mo
Progressive
$46/mo
State Farm
$53/mo
GEICO
$63/mo

Cheap Car Insurance for Drivers with DUI

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
GEICO
$36/mo
State Farm
$44/mo
USAA
$56/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

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
GEICO
$25/mo
USAA
$36/mo
Island Insurance Group
$48/mo

Cheap Car Insurance for Speeding Drivers

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
USAA
$28/mo
State Farm
$44/mo

Cheap Car Insurance for Young Drivers

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
USAA
$28/mo
Island Insurance Group
$36/mo

SR‌-22 Insurance in Hawaii

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.

HI DMV Information

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:

 

  • Order personalized plates
  • Perform a Motor Vehicle Inquiry
  • Renew your registration
  • Schedule a road test

Insurify Insights: How Hawaii Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Hawaii drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Hawaii

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. Among all fifty states, Hawaii drivers rank 45 in the number of car accidents per driver.

  • Rank of States: #45
  • Percent of drivers in Hawaii with an accident: 8.17%
  • Drivers in HI with an accident in their driving history paid on average 55.43% more than drivers with a clean record

Speeding Hawaii

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Hawaii drivers rank 26 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #26
  • Percent of drivers in Hawaii with a speeding ticket: 10.46%
  • Drivers in HI with a speeding ticket in their driving history paid on average 55.43% more than drivers with a clean record

DUI/DWIs Hawaii

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hawaii drivers rank 30 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #30
  • Percent of drivers in Hawaii with a DUI: 1.83%
  • Drivers in HI with a DUI in their driving history paid on average 51.09% more than drivers with a clean record

Most Popular Vehicle Hawaii

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Hawaii is the Toyota Tacoma.

Rude Hawaii

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Hawaii drivers rank 23 in rude driving infractions.

  • Rank of States: #23
  • Percent of drivers in Hawaii with a reckless driving violation: 1.82%
  • Drivers in HI with a reckless driving violation in their driving history paid on average 39.13% more than drivers with a clean record.

Safest Drivers Hawaii

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Hawaii drivers rank 16 in clean driving records across all fifty states.

  • Rank of States: #16
  • Percent of drivers in Hawaii with clean record: 82.09%

Street Racing Hawaii

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Hawaii drivers rank 6 in street racing violations per driver.

  • Rank of States: #6
  • Percent of drivers in Hawaii with a street racing violation: 0.02%

Failure to Yield the Right of Way Hawaii

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Hawaii drivers rank 21 in failure to yield violations per driver across all fifty states.

  • Rank of States: #21
  • Percent of drivers in Hawaii with a failure to yield violation: 0.4%
  • Drivers in HI with a failure to yield violation in their driving history paid on average 48.91% more than drivers with a clean record

Reckless Drivers Hawaii

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. Among all fifty states, Hawaii drivers rank 49 in the number of reckless driving offenses per driver.

  • Rank of States: #49
  • Percent of drivers in Hawaii with a reckless driving offense: 0.02%

Hybrid/Electric Vehicle Ownership Hawaii

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Hawaii drivers rank 1 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #1
  • Percent of drivers in Hawaii with a hybrid/electric vehicle: 4.17%

Greenest Cities 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. 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.

Greenes Cities

Honolulu

Greenes Cities
% of Hybrids / Electrics
4%
Most Patriotic City

Most Patriotic City

Honolulu

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 with cars illustration

Road Rankings

28%Rural Roads in
Poor Condition

#4
Ranked

8%Structurally Deficient
Rural Bridges

#11
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#32
Ranked


FAQs - Hawaii Car Insurance

What happens if I get caught driving uninsured in Hawaii?

The penalties in Hawaii can be harsh. You can be fined up to $500, be required to serve 100 hours of community service, have your license suspended for three months. You also must maintain an SR-22 filing for three years.

How is fault assigned after a car accident in Hawaii?

Hawaii is a no-fault state. That means that your own insurance company pays for damages regardless of fault or who caused the accident. You can still sue for non-monetary damages or “pain and suffering” beyond your PIP limits.

Can I drive legally in Hawaii if I am undocumented?

In January 2016, House Bill 1007 went into effect. It allows you to drive legally in Hawaii if you’re undocumented. You must apply for a driver’s license, which requires you to submit identification documents, proof of residency, and pass vision and road test.

Who has the cheapest car insurance in Hawaii?

The best way to find the cheapest car insurance for Hawaii drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.