Cheapest Car Insurance Quotes in Hawaii

Cheapest car insurance quotes in Hawaii

For Hawaii drivers looking for affordable coverage, the top three cheapest insurers are GEICO, State Farm, and USAA. 

Here are the cheapest car insurance quotes in Hawaii based on a driver with a clean record.

The below rates in Hawaii are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Insurance Company	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
GEICO	$50	$103
State Farm	$53	$106
USAA	$65	$134
21st Century	$79	$162

Disclaimer: Table data sourced from real-time Hawaii car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Hawaii may vary based on the policy buyer's unique driver profile.

Best-rated insurance companies in Hawaii

To find the best car insurance in Hawaii, we compiled actual user and industry reviews, evaluated rates, coverage options, and available discounts. Here are the best-rated insurers in Hawaii, including GEICO, State Farm, and USAA.

Best for minimum coverage: GEICO

minimum coverage

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User Reviews	4.1 21,359 reviews
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.	$50/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.	$103/mo

Details

4.1

Best choice in HawaiiBased on 21,359 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	4.0	2.9
Policy transparency	4.1	3.1
Value	4.0	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best in Hawaii for

Teen drivers

Cheap rates

Accident forgiveness

Showing 10 reviews from Hawaii driversSee all 8,356 GEICO reviews

Genevieve

Verified Review

In the past, there were several accidents. A claim was filed but never completed. No-fault accidents!

Reviewed in Hawaii on September 28, 2026

Bad experience in the past. It was too pricey and didn’t meet my expectations.

Benjamin

Verified Review

I've been with GEICO since 2018, and being charged $365 for one car is ridiculous

Reviewed in Hawaii on September 20, 2026

GEICO is alright, but my bill is high for one vehicle. They’re charging me $365, which is like a car payment. I wouldn’t recommend them.

Julito

Verified Review

I pay $107 every month for 6 months. Don’t know if I want to change or not. So far, I’ve had no problems.

Reviewed in Hawaii on September 20, 2026

No problems with them. I’ve been with GEICO for over 20 years.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

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

Hawaii’s minimum coverage limits increased as of Jan. 1, 2026, and are now double what they were before. For that reason, getting affordable liability insurance is essential for drivers. GEICO has some of the lowest rates for liability-only coverage in Hawaii, according to Insurify data.

Pros

• Low liability-only rates in Hawaii

• Robust discount options

• Solid amount of optional coverages

Cons

• Low Trustpilot rating

• Only one insurance agent in Hawaii

• Gap insurance not available

Best for drivers with a clean record: State Farm

drivers with a clean record

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User Reviews	4.2 21,705 reviews
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.	$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.	$106/mo

Details

4.2

Best choice in HawaiiBased on 21,705 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.2	3.2
Customer service	4.4	3.6
Discounts	4.0	2.9
Policy transparency	4.0	3.1
Value	3.9	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best in Hawaii for

Customer service

Competitive rates

Discounts for safe drivers

Showing 3 reviews from Hawaii driversSee all 8,309 State Farm reviews

Normand

Verified Review

Looking for good prices and good coverage

Reviewed in Hawaii on July 10, 2026

I’ve had State Farm for my home and vehicles for over 50 years. I’ve never made a claim, but the rates keep going up.

Maureen

Verified Review

Unsatisfied Customer

Reviewed in Hawaii on April 7, 2026

My agent has had nothing to do with me since she gave me the policy. I’ve asked several times to make changes to my policy with others in the office, and they won’t. My BMW is a classic. I barely drive it. The other vehicle is a 2023 truck 4x4. I’m paying over $200 a month for insurance on them. I’m a senior citizen on a fixed income. I tell them I can’t afford this, but still, they don’t work with me to make some changes. I’ve had no claims. I am looking for another insurance company.

Georgietta

Verified Review

Great Customer Service

Reviewed in Hawaii on February 4, 2026

Endurance was difficult to work with. They only agreed to cover my car repairs when I mentioned I wanted to cancel the policy, which was not what they informed Cutter Services. This has been the second time they refused to pay anything for my repairs, and I've only submitted three repair jobs since 2023. For the first one, I still had to pay over $300; for the second one, I paid the entire bill of $3,000; and the third repair bill was $7,000, which they denied and has not yet been done. So, I canceled my coverage with Endurance.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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

The Hawaii Department of Transportation launched the 2026 Hawaii Safe Roads Challenge initiative after a deadly 2025 for traffic fatalities. If you have a clean driving record, State Farm is a good insurer to consider. The company offers a good driving discount, vehicle safety discount, and Drive Safe & Save, a telematics program that could save you up to 30%.

Pros

• Competitive liability and full-coverage rates in Hawaii

• Various available discounts

• Many Hawaii-based insurance agents

Cons

• Low Trustpilot rating

• D- Better Business Bureau (BBB) rating

• Gap insurance and accident forgiveness not available

Best for military members and veterans: USAA

military members and veterans

Compare Quotes

User Reviews	4.9 4,414 reviews
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.	$65/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.	$134/mo

Details

4.9

Best choice in HawaiiBased on 4,414 verified driver reviews and ratings

	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

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.

Based on analysis of verified reviews collected by Insurify

---

Best in Hawaii for

Members of the military community

Outstanding customer service

Competitive rates

Showing 3 reviews from Hawaii driversSee all 1,744 USAA reviews

Eugene

Verified Review

Great Insurance, Horrible Claims Experience

Reviewed in Hawaii on September 5, 2026

Great until I had my first claim in 40 years. USAA has been a nightmare to deal with, and the accident wasn’t even my fault. The costs are being subrogated to State Farm, and USAA still lowballed me and failed to explain the process to a senior citizen.

Lebanon

Verified Review

Survey Requested

Reviewed in Hawaii on April 20, 2026

Not much of a discount considering the age of the car. No DUI, no tickets, no accidents, and I’m a senior citizen.

Carl

Verified Review

Archduke

Reviewed in Hawaii on January 2, 2026

Good but costly.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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

Hawaii has more than 47,000 active-duty military personnel and 109,000 veterans. If you’re in this demographic, you can find affordable auto insurance in Hawaii from USAA. The company offers low rates, a military on-base discount, a storage discount, as well as a bundling and multi-vehicle discount.

Pros

• Competitive rates in Hawaii

• New-vehicle discount

• A+ BBB rating

Cons

• Low Trustpilot rating

• SafePilot discount not available in Hawaii

• Limited membership availability

How we chose the best companies

To identify the best car insurance companies for Hawaii drivers, we evaluated 200-plus regional and national companies. We analyzed thousands of user reviews from verified Insurify customers to identify which companies provided the best overall experience, claims and customer satisfaction, and overall value. Whenever available, we considered scores and rankings from third-party organizations, such as AM Best and JD Power. We assessed multiple data points to rate affordability, coverage options, available discounts, customer satisfaction, and financial strength.

How much is car insurance in Hawaii?

The average annual cost of liability-only coverage in Hawaii is $742, according to Insurify data. For full coverage, the average annual cost is $1,514.

Car insurance rates in Hawaii are significantly lower than the national average. In the U.S., the annual average cost of liability-only coverage is $1,184, and full coverage is $2,243. Though rates fall below the national average, rates may see an increase as the state increased liability coverage limits at the start of 2026.^[1]

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Liability quotes start at $50/mo.

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Average car insurance quotes in Hawaii cities

Below, you can find average car insurance quotes in Hawaii by city. Currently, Insurify only has rates for Honolulu.

The below rates in Hawaii are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

City	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Honolulu	$61	$111

Disclaimer: Table data sourced from real-time Hawaii car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Hawaii may vary based on the policy buyer's unique driver profile.

On-the-spot guidance from licensed insurance experts

Brett ClendenenLicensed P&C Insurance Agent and Sales Manager

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Qualifications:

• Licensed property and casualty insurance agent

• 15+ years of insurance experience

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Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.

Brett Clendenen's bio

Anuj DesaiLicensed Property & Casualty Insurance Agent

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Qualifications:

• Licensed property and casualty insurance agent

• 25+ years of insurance experience

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Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.

Anuj Desai's bio

Britney BalkLicensed P&C Agent and Customer Service Supervisor

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Qualifications:

• Licensed property and casualty insurance agent

• 14+ years insurance experience

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Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.

Britney Balk's bio

Why you should compare car insurance quotes in Hawaii

Hawaii raised its liability limits for drivers, so now is a good time to shop around for quotes. Car insurance rates can vary widely based on your specific location, driving record, policy, and the insurance company.

Here’s how to get accurate quotes while ensuring an apples-to-apples comparison:

• Deductibles: If you’re considering full coverage, use the same deductible amount for every quote.

• Coverage limits: Use the same coverage types and limits whether you’re getting the state minimum or additional coverages.

• Driving history: Give your full driving history, including any incidents, to get the most accurate quote.

• Vehicle: Provide accurate details about your vehicle, including your VIN. Share your estimated mileage for the year and your car’s current mileage.

• Address: Include your garaging address. Quotes can vary by ZIP code.

• Quotes: Get at least three auto insurance quotes.

Hawaii car insurance requirements

Drivers must get the state-minimum liability coverage in Hawaii. The minimum requirements in the state as of Jan. 1, 2026, include:

• $40,000 in bodily injury liability per person, $80,000 per accident

• $20,000 in property damage liability per accident

• $10,000 in personal injury protection (PIP)

Hawaii doubled its liability limits at the start of 2026. The state also requires personal injury protection, as it’s a no-fault state.^[2]

Agent Tip

“Hawaii’s recent increase of its car insurance minimums provides better coverage to other drivers if you cause an accident. But liability-only coverage doesn’t cover any damage to your car in an at-fault accident. It’s worth considering full coverage if you live in a busy city like Honolulu because of the increased accident risk.”

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Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services

Mallory Mooney's bio

How to find the cheapest Hawaii car insurance

To find the cheapest car insurance in Hawaii, consider the following tips:

• Avoid incidents. The state of Hawaii doesn’t allow insurers to use credit history when setting rates for car insurance, but insurers do focus on your driving history.^[3] Avoid incidents, such as a speeding ticket or car accident, to keep rates low.

• Bundle insurance. In Hawaii, the owner-occupied housing unit rate is 63%, according to U.S. census data. Homeowners in the Aloha State may qualify for bundling discounts when getting home and auto insurance from the same company.

• Take a defensive driving course. Some insurance companies in Hawaii may offer a discount for completing an eligible defensive driving course.

• Increase your deductible. In 2025, there were 129 traffic fatalities in Hawaii, making it the deadliest year on the road since 2007, according to the Hawaii Department of Transportation.^[4] The state can also experience flooding, fires, and other major weather events. For maximum protection, it can make sense to get full coverage with collision and comprehensive coverage. To lower car insurance premiums, increase your deductible.

• Get several quotes. Shop around and get several car insurance quotes for national insurers such as GEICO, Allstate, and State Farm, as well as local options like Island Insurance.

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Find quotes for your driver profile

Car insurance premiums vary significantly by driver profile. Find quotes for auto insurance in Hawaii based on driving record, age, and coverage types.

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How car insurance costs have changed in Hawaii

The average annual cost of car insurance in Hawaii was $1,470 in January 2025 and rose to $1,560 by the end of the year. But that trend is shifting, as average costs declined by 2.1%, or $32, in the first half of 2026, according to a recent Insurify report.

Currently, projections indicate a potential increase of 0.5%, or $8, for the second half of 2026 but a 1.5% decrease for the full year. Increases and decreases may be due to inflation and state insurance regulations that double the minimum amount of coverage drivers need.

Hawaii car insurance FAQs