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Media relations director for Insurance Information Institute
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Car insurance in Hawaii is much cheaper than the national average. A Hawaii liability insurance policy averages $58 per month, compared to the national average of $97 per month.
Relative to state median income, Hawaii is one of the most affordable states for car insurance.
We collected rates from five insurance companies in Hawaii. The table below shows the cheapest car insurance companies for various driver categories and coverage options.
Driver Category  | Cheapest Insurance Company in HI | Cheapest Monthly Quote in HI |
|---|---|---|
| Overall | GEICO | $60 |
| State-minimum coverage | GEICO | $60 |
| Full coverage | GEICO | $113 |
| Drivers with a clean record | GEICO | $60 |
| After a speeding ticket | GEICO | $90 |
| After an at-fault accident | GEICO | $86 |
| After a DUI | GEICO | $99 |
| Teen/new drivers | GEICO | $92 |
| Seniors | GEICO | $49 |
At the beginning of 2026, Hawaii doubled its mandatory auto insurance liability coverage limits.[1] Hawaii drivers must also have a minimum of $10,000 in personal injury protection (PIP) coverage.
GEICO and State Farm offer the cheapest Hawaii liability auto insurance policies.
The companies offering the cheapest liability-only car insurance in Hawaii are listed below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $60 |
| State Farm | $63 |
| USAA | $79 |
| 21st Century | $95 |
| Allstate | $129 |
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Anuj Desai
Anuj Desai | Digital Insurance Agent | Insurify, Insurify
Even though Hawaii’s minimum coverage requirements recently doubled, they may still not be enough if you cause an accident. Medical bills and repair costs can quickly exceed these limits, leaving you to pay the difference out of pocket. That’s why it’s worth considering higher liability limits.
At $113 per month, GEICO has the cheapest full-coverage prices in Hawaii, on average. Full-coverage auto insurance in Hawaii costs about twice as much as a liability-only policy.
A full-coverage policy could pay for itself many times over, as Hawaii is prone to severe weather, including hurricanes, earthquakes, fires, and flooding. Victims of recent flooding in Oahu and Maui — the state’s worst in 20 years — know this all too well.[2]
The following insurers offer the cheapest full-coverage car insurance rates in Hawaii.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $113 |
| State Farm | $117 |
| USAA | $147 |
| 21st Century | $178 |
| Allstate | $241 |
With Hawaii’s recent increase in minimum coverage requirements, many drivers will see higher premiums. For this reason, it’s never been more important to check quotes from the best car insurance companies in Hawaii to find the right policy for you.
| User Reviews | 3.9 |
|---|---|
| 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. | 9.2 /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. | $60/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. | $113/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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.
Teen drivers in Hawaii have one of the nation’s lowest fatal accident rates. GEICO also has the lowest liability and full-coverage rates for Hawaii teens. Although GEICO doesn’t offer its DriveEasy telematics program in Hawaii, students with a B average or better can save up to 15% on certain coverages.
Cheapest rates for teens in Hawaii
AM Best financial strength rating of A++ (Superior)
Highly rated mobile app
Telematics program not available in Hawaii
Below-average J.D. Power claims satisfaction rating
Just one listed Hawaii agent
| User Reviews | 4.0 |
|---|---|
| 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. | 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. | $63/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 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Since Hawaii experiences severe weather, a full-coverage policy can protect your vehicle. Comprehensive coverage pays for non-collision events, such as flooding, fire, wind damage, theft, and vandalism. In addition, collision coverage pays to repair your vehicle if you’re at fault in an accident.
State Farm’s full-coverage rates are among the cheapest in the Aloha State, and J.D. Power ranks the company above average for claims satisfaction.
Highly rated mobile app
Telematics program may reduce premiums
AM Best financial strength rating of A+ (Superior)
Online quotes not available
Fewer discounts than competitors
High number of customer complaints in Hawaii[3]
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $79/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. | $147/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
More than 250,000 retired or active military personnel and their families live in Hawaii.[4] For these military families, USAA provides affordable Hawaii car insurance with a best-in-class customer service record.
Along with savings for garaging your car on base, USAA lets you choose your premium due date and offers a 3% auto-pay discount.
Highest customer satisfaction rating
AM Best financial strength rating of A++ (Superior)
Perks and discounts for members
Available only to military members and veterans
No Hawaii offices
Poor Trustpilot rating
While national auto insurance rates declined in 2025, average car insurance premiums in Hawaii rose by 6%. But Hawaiians should prepare for even higher costs in 2026.
In part because of higher state-minimum insurance requirements, the Hawaii Department of Commerce & Consumer Affairs expects auto insurance rates to increase by an average of 25% in 2026. Your individual rate depends on your vehicle type, coverage options, age, driving history, and more.
The graph below shows how average auto insurance rates in Hawaii have changed over the last five years, according to Insurify data.
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Check quotes from 120+ top insurance companies
Hawaii requires drivers to carry a minimum amount of liability insurance to drive legally. These minimums apply to policies that began or renewed on or after Jan. 1, 2026, as shown below:
$40,000 bodily injury liability coverage per person
$80,000 bodily injury liability coverage per accident
$20,000 property damage liability coverage per accident
$10,000 personal injury protection (PIP) coverage
The state advises drivers to consider carrying an auto insurance policy with higher limits, as costs incurred from accidents can often exceed the required coverage limits.
Hawaii car insurance rates don’t vary significantly by city. Rates in Honolulu are similar to the overall average cost of car insurance in the entire Aloha State. This table shows Hawaii insurance rates by city.
City | Average Monthly Quote |
|---|---|
| Honolulu | $85 |
In Hawaii, a clean driving record gives you the best chance of scoring the cheapest rates. GEICO and State Farm offer the lowest car insurance premiums to Hawaii drivers with no accidents or violations.
The table below shows the cheapest car insurance quotes for drivers with a clean record and good credit in Hawaii.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $57 |
| State Farm | $59 |
| USAA | $74 |
| 21st Century | $90 |
| Allstate | $125 |
Nearly half of the deaths on Hawaii’s highways over the past five years were the result of speed, according to Hawaii’s Department of Transportation.[5] In Hawaii, 3.42% of drivers have a speeding ticket on their record, according to Insurify data.
Drivers in Hawaii with a speeding ticket pay an average of $94 per month for liability coverage — significantly more than the state average of $58 per month.
The table below shows companies with the cheapest liability rates for drivers in Hawaii with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $90 |
| State Farm | $92 |
| USAA | $117 |
| 21st Century | $143 |
| Allstate | $192 |
Nearly 3.5% of drivers in Hawaii have an at-fault accident on their record, according to Insurify data. At $86 per month, GEICO has the lowest average liability-only rate for Hawaii drivers with an accident on their record.
Hawaii is a no-fault state, which means all drivers must carry personal injury protection that pays for their medical bills regardless of who caused the accident. In 2025, road fatalities in Hawaii reached their highest level since 2007.[6]
Below are the companies with affordable car insurance in Hawaii for drivers with an at-fault accident on their record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $86 |
| State Farm | $91 |
| USAA | $115 |
| 21st Century | $140 |
| Allstate | $188 |
Drivers in Hawaii with an operating a vehicle under the influence of an intoxicant (OVUII) conviction pay an average of $109 per month for liability coverage. That’s more than triple the state average.
In Hawaii, .52% of drivers have an OVUII, according to data from Insurify. Penalties for a first-time OVUII in Hawaii can include license suspension, 72 hours of community service, up to five days in jail, and fines of up to $1,000.[7]
The companies in the table below offer the cheapest car insurance in Hawaii for drivers with an OVUII.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $99 |
| State Farm | $104 |
| USAA | $131 |
| 21st Century | $152 |
| Allstate | $214 |
GEICO and State Farm both offer affordable SR-22 insurance in Hawaii. An SR-22 is a form your insurer files on your behalf to show proof of financial responsibility for three years after certain traffic violations.[8]
If multiple insurers deny you coverage, ask an insurance agent about the Hawaii Joint Underwriting Plan. This state program insures high-risk drivers who have trouble getting insurance.
The table below shows the companies with the cheapest SR-22 insurance rates in Hawaii.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $94 |
| State Farm | $98 |
| USAA | $123 |
| 21st Century | $149 |
| Allstate | $202 |
Monthly rates average $82 for drivers with an incident
Teens in Hawaii can test for their learner’s permit six months after their 15th birthday. After completing mandatory driver education and holding their permit for at least six months, teens can earn a provisional license. This allows them to drive with passenger and nighttime restrictions.
Remaining free of violations and accidents for another six months will qualify a teen for a full license.[9]
Liability coverage for a teen driver in Hawaii costs $73 per month, on average.
The following table shows the cheapest liability-only quotes for teen drivers in Hawaii.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $92 |
| State Farm | $105 |
| USAA | $124 |
| 21st Century | $145 |
| Allstate | $220 |
Averaging $52 per month, insurance rates for senior drivers are among the lowest of all age groups. Hawaii is one of two states that don’t allow insurers to use age as a rating factor.[10]
Seniors in Hawaii receive a special “Kupuna” license at the age of 72. It’s renewable every four years until drivers turn 80, when it’s renewable for two.
The auto insurance companies listed below offer the cheapest policies for senior drivers in Hawaii, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $49 |
| State Farm | $51 |
| USAA | $66 |
| 21st Century | $77 |
| Allstate | $107 |
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For more information on Hawaii car insurance, see the answers to frequently asked questions below.
As of Jan. 1, 2026, Hawaii requires drivers to have $40,000 in bodily injury liability coverage per person, $80,000 per accident, $20,000 in property damage liability coverage, and $10,000 in personal injury protection.
The average cost of Hawaii car insurance is $58 per month for liability coverage and $105 per month for a full-coverage policy. Raising your comprehensive and collision deductibles can lower your rate.
GEICO offers the cheapest car insurance in Hawaii, at $60 per month for a liability policy. The cheapest company for you depends on several factors.[11]
GEICO, State Farm, and USAA offer affordable car insurance policies in Hawaii. Each company offers competitive rates, a strong financial position, and various discounts and coverage selections.
No. In Hawaii, the law restricts companies from using credit history to set insurance rates.[12] Even so, Hawaii drivers with poor credit pay higher insurance premiums than drivers with a good credit history.
Yes. Several car insurance companies with policies in Hawaii offer good driver discounts and/or telematics programs that reward safe driving habits.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Small business blogger
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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