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Best Cheap Car Insurance In Hawaii

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09/21/2023 08:14 PM

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The cost of car insurance in Hawaii has increased in recent years, but fortunately you can still find cheap car insurance options in the Aloha State. Our review team has done the research for you and identified Geico, USAA, and State Farm as some of the most affordable choices overall for Hawaiian drivers.

We’ve also researched the best cheap car insurance companies in Hawaii for different types of drivers, including good drivers and those with flawed driving records. When shopping for the best car insurance coverage, we recommend you compare policies and prices from multiple providers.

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Cheap Car Insurance In Hawaii

According to our rate estimates for full coverage insurance, Geico is typically the cheapest option in Hawaii, with an average cost of $851 per year. State Farm is a close second with an average rate of $992 per year.

Auto Insurance Provider Estimated Annual Cost
Geico $851
State Farm $992
USAA $1,017
Farmers $1,464
Island $1,471
Allstate $1,486
Progressive $1,500

How Much Is Auto Insurance In Hawaii?

According to our rate estimates, drivers paid an average of $1,254 per year for full coverage car insurance in Hawaii. This is 28 percent cheaper than the national average of $1,732 per year, showing that car insurance in Hawaii isn’t too costly.

The price you pay for auto insurance depends on a few personalized factors, such as:

  • Driving record: Having violations on your record such as speeding tickets, accidents, or DUIs can make your auto insurance rates skyrocket.
  • Coverage level: Full coverage policies cost more than Hawaii’s state minimum liability policies.
  • Location: Even within Hawaii, drivers pay different rates depending on where they live. Those who live in more populous cities that have higher accident rates will generally pay higher rates.

While other states generally use factors like age, gender, and credit score to set auto insurance rates, Hawaii’s anti-discrimination laws prohibit the use of any of these factors when determining what a driver will pay.

Cheapest Hawaii Car Insurance: Speeding Tickets

Geico tends to offer the cheapest car insurance in Hawaii for drivers with a speeding ticket, with rates of about 1 per year. USAA and State Farm are also affordable choices with rates below $1,100 a year.

Auto Insurance Provider Estimated Annual Cost
Geico $851
USAA $1,064
State Farm $1,087
Island $1,592
Farmers $1,776

Cheapest Hawaii Car Insurance: Recent Accidents

We found that State Farm generally offers the best rates for drivers in Hawaii with a recent at-fault accident on their record. Annual costs with the insurer are about $1,182 according to our rate estimates. Geico follows with an average cost of $1,242, and USAA is close behind at $1,247.

Auto Insurance Provider Estimated Annual Cost
State Farm $1,182
Geico $1,242
USAA $1,247
Island $1,957
Progressive $2,147

Top 5 Auto Insurance Companies In Hawaii

In order to choose the best car insurance in Hawaii, we considered cost, coverage, availability in the state, and more. Overall, we found Geico to be the best choice for drivers in the Aloha State, but USAA, Progressive, State Farm, and Travelers can be smart choices for Hawaii auto insurance as well.

Best Car Insurance in Hawaii Overall Rating Cost Rating Coverage Rating
1. Geico 5.0 4.5 5.0
2. USAA 5.0 5.0 4.5
3. Progressive 4.5 4.5 4.5
4. State Farm 4.5 4.5 4.0
5. Travelers 4.0 4.0 4.5

*Our research team scores car insurance companies by taking into account nationwide factors. The order of insurers in this table is specific to auto insurance in Hawaii.

#1 Geico: Best Overall Provider

Our top pick when it comes to car insurance in Hawaii is Geico, one of the nation’s leading providers. Geico holds an A+ rating from the Better Business Bureau (BBB) and an A++ rating from AM Best for its financial strength. Based on our review, we rated the company 5.0 stars out of 5.0.

In addition to offering standard car insurance, the company offers add-on options such as rideshare coverage and mechanical breakdown insurance. Geico customer reviews tend to praise the company for its simple claims process, wide range of discounts, and affordable auto insurance rates, especially for those with good driving records.

Geico Pros And Cons

Pros Excellent industry reputation Strong customer satisfaction ratings Many discount and coverage options
Cons No gap insurance Access to local agents is limited

Learn more about the provider in our comprehensive Geico insurance review.

#2 USAA: Best For Military Members

We recommend USAA to those who are part of the armed services, as it is the fifth-largest auto insurer in the country and our second overall pick for Hawaii car insurance coverage. USAA offers a discount for bundling auto, renters, and homeowners insurance, as well as great savings opportunities for families, students, and teenagers.

Even though USAA only covers military personnel and their families, it offers a number of valuable benefits for those who qualify. It also boasts exceptional customer service, with some of the highest customer satisfaction scores nationwide in the J.D. Power 2021 U.S. Auto Insurance Study℠ and an A+ rating from the BBB.

USAA Pros And Cons

Pros Offers great benefits for military members Offers SafePilot™ usage-based insurance program Excellent industry ratings from the BBB and AM Best
Cons Coverage is only available for active military personnel, veterans, and their families

Check out our USAA insurance review to see if the provider is a good fit for you.

#3 Progressive: Best Usage-Based Insurance

Progressive is our third overall pick for car insurance in Hawaii and our choice for the Best Usage-Based Insurance. The provider’s Snapshot® program works by monitoring your driving habits through an app or a device installed in your car, which determines the cost of your insurance premium. Using the program, a Progressive-insured driver can save more than $100 per year.

If you own a non-standard vehicle, Progressive can be a great option for you. Coverage is offered for all types of vehicles, including ATVs, RVs, boats, sports cars, and classic and exotic cars. The provider is also known for offering affordable rates to high-risk drivers in particular.

Progressive Pros And Cons

Pros Offers affordable coverage for high-risk drivers Offers additional coverage options such as rideshare coverage or roadside assistance A+ AM Best financial strength rating
Cons Average customer service reviews Doesn’t cover high-value vehicles (worth over $150,000)

For more information about the company, read our Progressive insurance review.

#4 State Farm: Best For Student Drivers

State Farm is the largest auto insurance company in the nation. With a positive industry reputation, State Farm holds an A rating from the BBB and has an above-average score in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠.

State Farm offers great student driver insurance coverage in Hawaii. Students under 25 who maintain good grades can receive a discount of up to 25 percent, as well as college students who drive only during the summer or holidays while away at school.

State Farm Pros And Cons

Pros A+ BBB rating and high claims satisfaction score in J.D. Power study Great rates for high-risk drivers Offers discount programs for safe driving and young drivers
Cons Limited additional coverage options

If you’re considering a policy with the insurer, check out our State Farm insurance review to learn more.

#5 Travelers

We selected Travelers as the last contender for the best car insurance in Hawaii, based on its great reputation and high industry ratings. With more than 13,000 independent insurance agents across the country, Travelers helps you find a local agent who can assist in choosing the right level of protection for your needs.

Drivers in Hawaii can also choose between additional coverage options, including gap insurance, new car replacement, accident forgiveness, and rideshare coverage. Besides auto insurance, Travelers agents can also assist you with combining your home, business, and life insurance coverage to save more money.

Travelers Pros And Cons

Pros A BBB rating and A++ AM Best rating Excellent customer service reputation Offers great bundling discounts
Cons Only local agents are available

Hawaii Insurance Requirements

Auto insurance requirements vary by state, but each has minimum coverage limits that must be met. Hawaii requires the following minimum liability coverage limits:

  • Bodily injury liability: $20,000 per person/$40,000 per accident
  • Property damage liability: $10,000 per accident
  • Personal injury protection (PIP): $10,000 per person

Additional Coverage Options In Hawaii

Basic liability insurance in Hawaii will only protect you from out-of-pocket expenses for any damages or injuries pertaining to the other driver involved in a collision. It does not cover your expenses for damage to your vehicle.

It can be a good idea to consider purchasing additional coverage for your auto policy, such as:

  • Collision coverage
  • Comprehensive coverage
  • Loan or lease payoff
  • Accident forgiveness
  • Uninsured/underinsured motorist coverage for bodily injury
  • Uninsured motorist coverage for property damage

Is Hawaii A No-Fault State?

Hawaii is considered a no-fault state when it comes to car accidents, meaning your insurance policy will cover both car repair bills and medical expenses for you and your passengers up to the personal injury protection limit of $10,000 per person. You are also not allowed to be sued or sue the other driver involved unless there are serious bodily injuries or death.

How To Get Hawaii Car Insurance Quotes

It’s wise to get free quotes from several providers when looking for cheap Hawaii auto insurance. According to our research, Hawaii drivers have found the cheapest auto insurance coverage from Geico, USAA, State Farm, Progressive, and Travelers, but your rates will depend on specific factors such as your vehicle type, driving record, and more.

To get a better idea of what you might pay for car insurance in Hawaii, you’ll want to get a customized quote online. We suggest that you compare multiple car insurance quotes to find the best rate for your budget.

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Frequently Asked Questions

How much does it cost to insure a car in Hawaii?

The average cost of a car insurance policy in Hawaii is $1,254 per year, which is well below the national average. The price you pay to insure your car varies based on several factors, but we recommend that you compare car insurance quotes from multiple providers to find the best rate.

Is car insurance high in Hawaii?

Car insurance in Hawaii is relatively inexpensive when compared to other states. Its average annual cost is about 28 percent cheaper than the national average. According to the National Association of Insurance Commissioners (NAIC), Hawaii was ranked as the 37th-most expensive state in the U.S.

Is it required to have car insurance in Hawaii?

Yes, it is required by Hawaii state law to have motor vehicle insurance. Hawaii’s minimum coverage requirements include $20,000 per person and $40,000 per accident in bodily injury liability, $10,000 per accident in property damage liability, and $10,000 per person in personal injury protection.

How much does insurance go up after a speeding ticket in Hawaii?

According to our rate estimates, the cost of car insurance for Hawaii drivers with a speeding ticket can go up to $1,776 and higher. However, drivers can still find inexpensive coverage with Geico, USAA, and State Farm.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.