5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Dozens of reputable auto insurance companies serve drivers in Hawaii, so choosing one can be challenging. Drivers have different coverage requirements, preferences, budgets, and more.
To help you find the best car insurance in Hawaii, Insurify analyzed 50 car insurance companies based on coverage options, discounts, price, claims satisfaction, and other important factors. Here’s the best car insurance for drivers in the Aloha State.
Best car insurance companies in Hawaii
Before you choose a car insurance company in Hawaii, it’s a good idea to compare several insurers. Based on Insurify’s in-depth evaluation, these five auto insurance companies are the best options for Hawaii drivers.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7 /10
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.
$171/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.
$248/mo
3.7
A solid optionBased on 2,798 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,634)
Bruce
March 11, 2025
Verified Review
I feel I should get a rebate every year, like the federal taxes give back
They have raised my rates twice in the past two years through no fault of my own. I have no claims, no tickets, I'm a better driver than most drivers.
James
March 11, 2025
Verified Review
Very Good and Easy
Always excellent.
George
March 10, 2025
Verified Review
I Already Have
My LM quote for 2025-6 is $1224, which is significantly larger than it was for 2024-5. We don't have collision coverage and drive less than 10,000 miles per year for two vehicles.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95
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
Why we picked this company
Liberty Mutual offers an excellent selection of coverage options for Hawaii drivers. Some of its available endorsements include gap insurance, OEM coverage, teachers’ auto insurance, new car replacement coverage, and accident forgiveness. The company also has an impressive list of discounts with generous savings. Plus, Liberty Mutual is rated above average for overall claims satisfaction by J.D. Power.
Pros
Many available endorsements
13 available discounts
Great claims satisfaction score
Cons
Higher premiums than competitors
Many more complaints than expected with the National Association of Insurance Commissioners (NAIC)
RightTrack safe driver program not available in Hawaii
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
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.
$46/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.
$99/mo
4.9
Best choiceBased on 1,769 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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++
Why we picked this company
USAA exclusively insures active-duty and retired military personnel and their spouses and children. The company is highly rated by J.D. Power for overall claims satisfaction, and it has an AM Best financial strength rating of A++ (Superior). USAA also stands out for its car insurance discounts, with savings for safe drivers, good students, policy bundling, garaging a vehicle on a military base, loyal customers, and more.
Pros
Many available discounts
Two telematics programs
Excellent third-party ratings
Cons
Only available to eligible drivers in the military
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
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.
$55/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.
$117/mo
4.0
Best choiceBased on 10,931 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,989)
Gary
March 11, 2025
Verified Review
High Price
Expensive.
John
March 11, 2025
Verified Review
The Best There Is!
It's the best one out there, especially if you're a veteran.
Dan
March 11, 2025
Verified Review
Confused
They are quite expensive and the rates constantly increase without any email or notice. They seem to raise my rate at will. I have a super clean record and an older vehicle, a 2004 Tacoma. I don't understand why my rates are rising.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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++
Why we picked this company
For Hawaii drivers looking for cheap car insurance, GEICO offers a big selection of discounts that could lead to big savings. GEICO has discounts for military personnel, going on emergency deployment, federal employees, affinity group members, smart students, safe drivers, insuring a car with anti-lock brakes, and many others.
Pros
More than 20 available discounts
24/7 online customer service
AM Best financial strength rating of A++ (Superior)
Cons
Limited number of available endorsements
Below-average J.D. Power claims satisfaction score
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
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.
$101/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.
$146/mo
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,253)
John
March 11, 2025
Verified Review
Lack of Response
I have sent three emails regarding adjustments to my policy coverage and prices, but I have received no responses.
John
March 11, 2025
Verified Review
Today, I tried to get information and ended up talking to several different agents. I received different answers on the same subjects. Their excuse was that they had new people, which is why the answers varied. I spent a lot of time on the phone without any satisfaction. My policy cost increased by about 25%. Part of the reason for the increase was that they raised my dwelling (replacement cost). They had the highest dwelling replacement cost compared to any other company I've worked with. I even talked to one of their supervisors. He was apologetic, but I still didn't get any satisfaction.
Today, I tried to get information and ended up talking to several different agents. I received different answers on the same subjects. Their excuse was that they had new people, which is why the answers varied. I spent a lot of time on the phone without any satisfaction. My policy cost increased by about 25%. Part of the reason for the increase was that they raised my dwelling (replacement cost). They had the highest dwelling replacement cost compared to any other company I've worked with. I even talked to one of their supervisors. He was apologetic, but I still didn't get any satisfaction.
Jill
March 11, 2025
Verified Review
Goodbye Progressive
I was insured with Progressive for over 10 years. I changed my car from a Genesis GV70 2022 to a Genesis GV70 2025, which actually has more anti-theft and safety features. Despite this, Progressive increased the cost of my policy by over 30%. I have no tickets, no accidents. Consequently, I have changed providers.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
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+
Why we picked this company
Progressive is the best car insurance company in Hawaii for digital experience. In the J.D. Power 2024 U.S. Insurance Digital Experience Study, Progressive was the top-rated company for service. One of Progressive’s standout digital features is the Name Your Price tool, which helps you find the best coverage based on your budget. You can also compare rates instantly using the AutoQuote Explorer tool.
Pros
Above-average ratings for digital service and shopping
Several digital tools for finding budget-friendly coverage
Highly rated mobile app
Cons
Very poor J.D. Power rating for claims satisfaction
High number of complaints with the NAIC
Large accident forgiveness only available after five years claims-free
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
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.
$55/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.
$118/mo
4.2
Best choiceBased on 9,861 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,430)
Samantha
March 11, 2025
Verified Review
Everything has been great, but the payments keep increasing even though neither my spouse nor I have had any accidents.
Everything has been great, but the payments keep increasing even though neither my spouse nor I have had any accidents.
James
March 11, 2025
Verified Review
Ungrateful Agents
I've been insured with State Farm for almost sixty years. I never had an accident until last year, and they raised my rates. Sixty years of premiums should more than compensate for one accident.
Lucille
March 11, 2025
Verified Review
State Farm is a Good Company
I've been pleased with my experience with State Farm. My agent always works with me and is very responsive to my queries. The only thing I would like is a lower cost.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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++
Why we picked this company
State Farm is the best car insurance company in Hawaii for policy bundling. On its website, State Farm advertises that customers who bundle auto insurance with homeowners, renters, condo, or life insurance can save up to $1,273 on their combined premium. State Farm also offers other car insurance discounts for potential savings, including two telematics-based safe driver rewards programs for adults and one for young drivers younger than 25.
Pros
Better bundling discount than most competitors
High J.D. Power customer satisfaction score
Safe driver rewards programs for adults and teens
Cons
Below-average J.D. Power rating for digital shopping
Limited number of available endorsements
Gap insurance not available
Our editorial team analyzed regional and national auto insurance companies that sell policies in Hawaii to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Hawaii
The best car insurance company in Hawaii is different for every driver. If you’re shopping for auto insurance in the Aloha State, here are some things to consider.[1]
Think about your coverage needs
It’s important to choose an insurance company that offers the types of coverage that are right for your situation. All insurers offer standard minimum-coverage and full-coverage policies, but you should find out what endorsements are available.
For example, if you have new drivers on your policy, you might consider adding accident forgiveness or roadside assistance. If you recently purchased a new car, you might benefit from adding new car replacement coverage.
Consider customer service scores
Customer service should be one of your biggest considerations when selecting a car insurance company. Research the company’s third-party ratings for overall customer satisfaction and claims satisfaction from J.D. Power, and find out what customer service options the company has. For example, some insurers offer live chat through their website, 24/7 phone support, and mobile claims reporting.
Read reviews from policyholders
Before you choose a car insurance company, it can be helpful to read online reviews from current and past policyholders. Customer reviews can give you better insight into the company’s customer service, claims-handling practices, policy renewals, and more. You can also check the NAIC Complaint Index to see how many complaints an insurer receives in relation to its size.
Compare quotes from multiple insurers
Car insurance premiums differ for every driver based on personal factors and policy preferences. Additionally, the insurance company you choose can have a big effect on your premium. To find the most affordable car insurance policy in Hawaii for your situation, it’s a good idea to compare rate quotes from several different companies.
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4.8/5
Average cost of car insurance in Hawaii
The average cost of car insurance in Hawaii is $73 per month for minimum coverage and $139 per month for full coverage. Average car insurance premiums in Hawaii are much lower than the U.S. national average.
Remember that insurers personalize car insurance premiums for each person. Factors like your ZIP code, credit, gender, driving record, vehicle type, coverage limits, and deductibles can affect your rate. Most Hawaii car insurance companies also offer discounts, which could help you get a lower premium.[2]
Best car insurance in Hawaii FAQs
If you’re shopping for auto insurance in Hawaii, here’s some information that could help you find the best policy.
How much is car insurance in Hawaii?
Car insurance in Hawaii costs an average of $106 per month, Insurify data shows. Liability-only insurance costs $73 per month, and full coverage costs $139 per month.
What are the best car insurance companies in Hawaii?
Some of the best car insurance companies for Hawaii drivers are Liberty Mutual, USAA, State Farm, and GEICO. But there isn’t a single best car insurance company in Hawaii for every driver. The best auto insurance company is the one that offers the coverage you need at the most affordable price.
What is the required auto insurance coverage amount in Hawaii?
Drivers in Hawaii are required to carry at least 20/40/10 in personal liability insurance. That includes $20,000 in bodily injury liability insurance per person, $40,000 in bodily injury liability insurance per accident, and $10,000 in property damage liability insurance per accident. Drivers also must carry $10,000 in personal injury protection (PIP).[3] Uninsured motorist/underinsured motorist insurance is optional.
Sources
III. "What determines the price of an auto insurance policy?."
III. "Nine ways to lower your auto insurance costs."
Hawaii.gov. "Insurance | Motor Vehicle Insurance Information."
Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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