Cheapest Auto Insurance in Hawaii (2024)

With monthly liability rates starting at $40, State Farm is the cheapest car insurance company in Hawaii.

Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing 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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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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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.

Updated May 23, 2024

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The average cost of auto insurance in Hawaii is $88, substantially cheaper than the national average of $160. This could partly be because Hawaii currently has one of the lowest required minimums for bodily injury coverage, at $20,000 per person. 

But the state legislature is considering increasing the minimum coverage requirements for liability car insurance, which could lead to increases in auto policy premiums on the islands.

Here’s what you should know about comparing quotes and finding cheap coverage in the Aloha State.

Quick Facts
  • State Farm, Allstate, and Midvale Home & Auto have the cheapest car insurance in Hawaii.

  • Since Hawaii is a no-fault state, you have to file a claim for any bodily injuries with your insurance company, even when you’re in an accident you didn’t cause.

  • Hawaii law prohibits the use of credit ratings to determine auto insurance premiums.

3 of the cheapest car insurance companies in Hawaii

The cost of car insurance depends on a variety of factors, including your age, where you live, and the type of car you drive. The right car insurance policy for you will depend on your individual situation and budget.

Start your search for affordable coverage with the companies in the table below.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
State Farm4.6$56$40Low rates
Allstate4.4$61$43Discounts
Midvale Home & Auto3.2$131$68Coverage options
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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. 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.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for low rates: 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.
4.6
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.
$53/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.
$115/mo

For more than 100 years, State Farm has offered customers a variety of investment, banking, and insurance products, including auto, homeowners, life, and business insurance. State Farm offers Hawaii drivers some of the lowest car insurance rates.

Pros
  • Strong J.D. Power customer satisfaction ratings

  • A++ (Superior) financial strength ranking from AM Best

Cons
  • Doesn’t offer gap insurance

  • Fewer discounts than some competitors

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for discounts: 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.
4.4
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.
$62/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.
$136/mo

Allstate customers can shop for a variety of insurance products, including home, renters, motorcycle, life, and auto insurance. To save money, Hawaii drivers can take advantage of a wide range of discounts, such as new-car, anti-theft, student, and safe-driving discounts.

Pros
  • Rental car reimbursement coverage available

  • Offers rideshare coverage

Cons
  • Above average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC)

  • Low customer reviews

Read our Allstate review
Roberta - May 22, 2024
Verified

Good

Allstate is good, however, I was looking for cheaper insurance.

Mikayla - May 22, 2024
Verified

Allstate's Higher Renewal Prices

They are an insurance company like the rest of them. Just like other insurance providers, they offer lower rates to attract your business. However, as always, when it's time for renewal, the prices just get higher, regardless of your driving record.

Wilford - May 21, 2024
Verified

Disappointed

It's expensive, but the same as all others.

Best insurer for coverage options: Midvale Home & Auto

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.
3.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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

Midvale Home & Auto is a subsidiary of American Family Insurance. It offers home, condo, renters insurance, and auto insurance coverage. Drivers can choose from a range of car insurance products, including comprehensive, collision, bodily injury, medical payments, and more.

Pros
  • Offers gap insurance

  • Can save by bundling home and auto insurance

Cons
  • High auto insurance premiums compared to other insurers

  • Can’t get a quote online

How to get the cheapest car insurance in Hawaii

Car insurance premiums are based on a variety of factors, including your age, your gender, your ZIP code, the type of car you drive, how often you drive, and your driving record. To get the cheapest car insurance coverage in Hawaii, consider the following tips:

  • Keep a clean driving record. The cleaner your driving record, the better your premium. If you’ve been in an accident or had another traffic violation, you can expect your insurance rate to go up.

  • Drive a safe car. Some insurance companies offer discounts if you drive a car with quality safety features.

  • Increase your deductible. Requesting a higher deductible can significantly lower your monthly costs. For example, going from a $200 to a $500 deductible can reduce the cost of your collision and comprehensive coverage by 15% to 30%, according to the Insurance Information Institute.[1]

  • Comparison shop. The cost of auto insurance varies between insurers. By comparing quotes from three or more companies, you can find the insurance that best fits your needs and budget.

Find Cheap Car Insurance in Hawaii

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Cheapest liability-only car insurance in Hawaii

Nearly every state requires a minimum amount of car insurance, including Hawaii. Liability-only car insurance is composed of bodily injury and property damage liability. 

Bodily injury covers the other person’s medical expenses if you cause a car accident. Property damage coverage pays for damages that you cause to someone’s vehicle or other property, such as a sign or fence. Liability-only coverage doesn’t cover your vehicle if you cause an accident.

In Hawaii, the minimum level of coverage also includes personal injury protection (PIP), which pays for your injuries after an accident, regardless of fault. Liability-only insurance in Hawaii costs $64 per month, on average. The following table provides the lowest average quotes for liability insurance in Hawaii.

Insurance CompanyAverage Monthly Quote
State Farm$40
Allstate$43
Midvale Home & Auto$68
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.

Cheapest full-coverage car insurance in Hawaii

If you want additional protection for you and your vehicle in Hawaii, you can purchase full-coverage car insurance. Full-coverage car insurance includes liability, comprehensive, and collision coverage. While liability-only insurance covers damages to the other driver’s vehicle, comprehensive insurance covers your vehicle if you’re in an accident.

Hawaii drivers pay an average of $111 per month for full coverage. The table below provides average monthly rate quotes for the cheapest companies in Hawaii.

Insurance CompanyAverage Monthly Quote
State Farm$56
Allstate$61
Midvale Home & Auto$131
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.

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Car insurance requirements in Hawaii

If you want to own a car in Hawaii, you must have car insurance. If you’re caught without insurance, you’ll have to surrender your registration and license plate to the country director of finance, and you won’t be able to drive.

Hawaii is a no-fault state, which means if you’re in an accident, your insurance company will cover the bills for your injuries up to your personal injury protection (PIP) limit. But “no fault” only applies to injuries, not property. If you’re in an accident that isn’t your fault, your PIP insurance will cover your medical bills, but the at-fault driver is responsible for any damages to your vehicle or property.[2]

The table below lists the state-required minimum insurance coverage.

CoverageMinimum Requirements
Personal injury protection$10,000 per person
Bodily injury liability$20,000 per person / $40,000 per accident
Property damage liability$10,000 per accident

For additional protection, you can purchase optional insurance coverage, including:

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Collision coverage

    Collision insurance covers the cost of damages to your car if you get in a collision with another vehicle or hit an object, such as a guardrail or fence, and it’s your fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers damages to your car that aren’t caused by a collision, such as theft, fire, hail, a falling tree, or some other hazard.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured motorist coverage protects you if you’re in an accident with a driver who doesn’t have insurance or if you’re in a hit-and-run. Underinsured coverage reimburses you if the other driver doesn’t have enough insurance.

Cheapest car insurance for drivers with an incident

Driving incidents such as speeding tickets, driving under the influence, and at-fault accidents can cause your insurance premiums to go up. Insurance companies will typically charge you more because they see you as a higher level of risk. If you want to find cheap auto insurance in Hawaii, try to keep a clean driving record.

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Cheapest car insurance for drivers with a speeding ticket

While you might find yourself going over the speed limit when you’re running late to a meeting or appointment, a speeding ticket or two on your record can cause your insurance to go up. Speeding indicates risk to insurers, and for good reason. Speeding has been involved in approximately 33% of all motor vehicle fatalities over the last few decades, according to National Highway Traffic Safety Administration (NHTSA) data.[3]

The table below compares the cost of liability insurance for drivers with clean driving records versus drivers with a speeding ticket in Hawaii.

Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$40$56
Allstate$43$61
Midvale Home & Auto$68$104
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.

Cheapest car insurance for drivers with an at-fault accident

If you cause an accident and have to make a claim, you can expect your insurance premiums to go up. The amount your insurance increases can vary between insurers but typically stays on your premium for three years.[4]

The following table shows the cost of minimum coverage from different companies for drivers with a clean driving record versus drivers with an accident.

Insurance CompanyClean Driving RecordWith Accident
State Farm$40$59
Allstate$43$64
Midvale Home & Auto$68$90
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.

Cheapest car insurance for drivers with a DUI

In Hawaii, a DUI can stay on your record for up to five years and cause your insurance premiums to rise. Some insurance companies might choose not to renew your policy if you get a DUI.

In addition to increased insurance premiums, your first DUI in Hawaii can also result in:[5]

  • 72 hours of community service

  • Two to five days of imprisonment

  • Fine of $250 to $1,000

  • 14-hour rehabilitation program

  • License revoked for one year

The table below compares different liability-only insurance rates for drivers with a clean driving record and drivers with a DUI.

Insurance CompanyClean Driving RecordWith DUI
State Farm$40$67
Allstate$43$73
Midvale Home & Auto$68$127
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.

Cheapest car insurance for seniors

Insurance rates tend to decrease around age 35 and then increase again around age 70. As drivers age, they can experience impairments that affect how they drive. Senior drivers 70 and older also have a higher fatal crash rate compared to middle-aged drivers.[6] This creates more risk for insurers, which leads to higher insurance rates.

The following table shows the best liability car insurance for senior drivers in Hawaii.

Insurance CompanyAverage Monthly Quote
State Farm$31
Allstate$33
Midvale Home & Auto$63
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.

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Cheapest car insurance for teens

Teens and young drivers pay some of the highest insurance rates. Insurance companies charge teen drivers more because they have less experience on the road and a higher risk of getting into an accident. To try to keep the cost of insurance for teenage drivers down, consider the following tips:

  • Look for student discounts. Many car insurance companies offer discounts for high school and college students who maintain a good grade point average.

  • Stay on your parents’ insurance plan. Staying on your parents’ insurance plan is typically cheaper than getting a plan of your own.

  • Compare insurance quotes. Insurance premiums can vary widely between insurers. To find cheap car insurance in Hawaii, you can use online quote-comparison tools to perform a side-by-side comparison of multiple quotes.

The table below provides some of the cheapest minimum coverage car insurance companies for teen drivers.

Insurance CompanyAverage Monthly Quote
State Farm$70
Allstate$77
Midvale Home & Auto$122
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 the Aloha State, this additional information may help as you research your coverage options.

  • How much is car insurance in Hawaii?

    Car insurance in Hawaii costs $64 per month for liability coverage and $111 per month for full coverage, according to Insurify data.

  • Which company has the cheapest car insurance in Hawaii?

    State Farm has the cheapest car insurance in Hawaii, with monthly liability rates of $40. Allstate and Midvale Home & Auto also offer affordable coverage, with respective monthly liability rates of $43 and $68.

    But the cheapest insurance company for you will depend on many factors, including your age, your ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Hawaii?

    State Farm is one of the best car insurance companies in Hawaii. It has an IQ Score of 4.6 out of 5, above-average J.D. Power customer satisfaction ratings, and an A++ (Superior) financial strength rating from AM Best. Other top insurers in the state include Allstate and Midvale Home & Auto.

  • What is the minimum auto insurance required in Hawaii?

    Hawaii requires drivers to carry $10,000 per person in personal injury protection, $20,000 per person and $40,000 per accident in bodily injury liability, and $10,000 per accident in property damage liability.

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."
  2. Hawaii Department of Commerce and Consumer Affairs. "Motor Vehicle Insurance Information."
  3. National Highway Traffic Safety Administration. "Speeding."
  4. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  5. Hawaii Court Records. "What is a DUI and a DWI in Hawaii?."
  6. Insurance Institute for Highway Safety. "Older drivers."
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing 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.

Featured in

media logomedia logomedia logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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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