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Cheapest car insurance in Hawaii for 2023
According to our analysis, USAA and Geico offer some of the lowest average rates for car insurance in Hawaii
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What To Know First
On average, a full coverage car insurance policy in Hawaii costs $1,275 per year, while minimum coverage policies average $344 per year. These rates are significantly below the national average for both coverage levels. If you’re looking for even cheaper rates, Bankrate’s insurance editorial team, which includes licensed property and casualty agents, is here to help. Our team used proprietary rate data sourced from Quadrant Information Services to help us locate and analyze the cheapest car insurance in Hawaii. According to our research, USAA offers some of the lowest average rates for car insurance in Hawaii, while Lanai City has the lowest average rates of any city in Hawaii.
- Cheapest company for minimum coverage: USAA*
- Cheapest company for full coverage: USAA
- Cheapest company for adding a teen driver: USAA
- Cheapest company after a speeding ticket conviction: USAA
- Cheapest company after an at-fault accident: USAA
- Cheapest company after a high-risk incident: USAA
*USAA is only available to active-duty military, veterans and qualifying family members. If you don’t qualify, don’t worry–our editorial team has found other cheap options for you to consider.
On This Page
- The cheapest car insurance companies in Hawaii
- The cheapest car insurance companies in Hawaii by coverage level
- Cheapest cities in Hawaii for car insurance
- Factors that impact rates in Hawaii
- Minimum coverage requirements for Hawaii drivers
- How to get the cheapest car insurance in Hawaii
- Car insurance discounts in Hawaii
- Frequently asked questions
- Methodology
The cheapest car insurance companies in Hawaii
We’ve analyzed average rate data from Quadrant Information Services to determine some of the best low-cost car insurance in Hawaii. When looking for cheap car insurance in Hawaii or any state, it’s important to note that several factors can influence your auto insurance rates, including your driving record, coverage levels, location and more. Unlike many other states, Hawaii explicitly bans insurers from considering your age, credit history or gender when calculating your car insurance rates.
Please note that, while USAA offers the cheapest average premium for all driver profiles in Hawaii that we examined, it is only available to active-duty military, veterans and qualifying family members. We have showcased additional insurance companies with cheap average rates for each driver profile for those who don’t qualify for USAA.
Cheapest car insurance in Hawaii for minimum coverage
Average monthly minimum coverage premium | Average annual minimum coverage premium | |
---|---|---|
USAA | $14 | $277 |
Cheapest car insurance in Hawaii for full coverage
Average monthly full coverage premium | Average annual full coverage premium | |
---|---|---|
USAA | $100 | $1,194 |
Cheapest car insurance company for adding a teen driver
Average monthly minimum coverage premium | Average annual minimum coverage premium | |
---|---|---|
USAA | $24 | $291 |
Cheapest company for getting a speeding ticket in Hawaii
Average monthly minimum coverage premium | Average annual minimum coverage premium | |
---|---|---|
USAA | $24 | $294 |
Cheapest company for being in an at-fault accident in Hawaii
Average monthly minimum coverage premium | Average annual minimum coverage premium | |
---|---|---|
USAA | $29 | $353 |
Cheapest company after a high-risk incident in Hawaii
Average monthly minimum coverage premium | Average annual minimum coverage premium | |
---|---|---|
USAA | $47 | $560 |
The cheapest car insurance companies in Hawaii by coverage level
One of the most significant determiners of auto insurance rates across all states is the type of coverage you buy. Full coverage car insurance, which includes comprehensive and collision coverage for your own vehicle, can be significantly more expensive than minimum coverage but affords much greater financial protection.
On average, the annual rate for full coverage auto insurance in Hawaii is $1,275, 37 percent less than the national average of $2,014 and $344 for minimum coverage, a whopping 45 percent less than the national average of $622. With average rates in Hawaii so much lower than the national average, budgeting for full coverage in the state may be easier than in some other states. The tables below showcase our analysis of the cheapest Hawaii car insurance by minimum and full coverage.
Insurance company | Average monthly minimum coverage premium | Average annual minimum coverage premium | Annual savings vs. State average* |
---|---|---|---|
USAA
4.3
Bankrate Score
|
Average monthly minimum coverage premium
$23
|
Average annual minimum coverage premium
$277
|
Annual savings vs. State average*
- $67 |
Geico
4.4
Bankrate Score
|
Average monthly minimum coverage premium
$25
|
Average annual minimum coverage premium
$294
|
Annual savings vs. State average*
- $50 |
State Farm
4.2
Bankrate Score
|
Average monthly minimum coverage premium
$30
|
Average annual minimum coverage premium
$357
|
Annual savings vs. State average*
+ $13 |
Island Insurance
|
Average monthly minimum coverage premium
$30
|
Average annual minimum coverage premium
$363
|
Annual savings vs. State average*
+ $19 |
Allstate
3.8
Bankrate Score
|
Average monthly minimum coverage premium
$38
|
Average annual minimum coverage premium
$452
|
Annual savings vs. State average*
+ $108 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with minimum coverage for 2023
Insurance company | Average monthly full coverage premium | Average annual full coverage premium | Annual savings vs. State average* |
---|---|---|---|
Geico
4.4
Bankrate Score
|
Average monthly full coverage premium
$92
|
Average annual full coverage premium
$1,100
|
Annual savings vs. State average*
- $175 |
USAA
4.3
Bankrate Score
|
Average monthly full coverage premium
$100
|
Average annual full coverage premium
$1,194
|
Annual savings vs. State average*
- $81 |
State Farm
4.2
Bankrate Score
|
Average monthly full coverage premium
$100
|
Average annual full coverage premium
$1,202
|
Annual savings vs. State average*
- $73 |
Allstate
3.8
Bankrate Score
|
Average monthly full coverage premium
$117
|
Average annual full coverage premium
$1,405
|
Annual savings vs. State average*
+ $130 |
Island Insurance
|
Average monthly full coverage premium
$131
|
Average annual full coverage premium
$1,568
|
Annual savings vs. State average*
+ $293 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with full coverage for 2023
Cheapest cities in Hawaii for car insurance
Within Hawaii, average rates vary between cities, as they do in most states. Different locations can have different rates of auto accidents, higher or lower costs for repairs and more. Below are the cheapest cities in Hawaii, on average, for both full and minimum coverage car insurance, along with the cheapest carriers in each city.
City | City average annual minimum coverage premium | Cheapest car insurance company | Company average annual minimum coverage premium |
---|---|---|---|
Lanai City | $309 | USAA | $250 |
Haiku | $325 | USAA | $250 |
Hana | $325 | USAA | $250 |
Hoolehua | $325 | USAA | $250 |
Kahului | $325 | USAA | $250 |
Kaunakakai | $325 | USAA | $250 |
Kihei | $325 | USAA | $250 |
Kula | $325 | USAA | $250 |
Lahaina | $325 | USAA | $250 |
Makawao | $325 | USAA | $250 |
City | City average annual full coverage premium | Cheapest car insurance company | Company average annual full coverage premium |
---|---|---|---|
Lanai City | $1,203 | USAA | $1,051 |
Kalaupapa | $1,233 | USAA | $1,051 |
Haiku | $1,234 | USAA | $1,051 |
Hana | $1,234 | USAA | $1,051 |
Hoolehua | $1,234 | USAA | $1,051 |
Kahului | $1,234 | USAA | $1,051 |
Kaunakakai | $1,234 | USAA | $1,051 |
Kihei | $1,234 | USAA | $1,051 |
Kula | $1,234 | USAA | $1,051 |
Lahaina | $1,234 | USAA | $1,051 |
Factors that impact rates in Hawaii
Several factors can impact your car insurance rates in Hawaii, but the state does not allow car insurance companies to use gender or credit rating as a factor for premiums. Age is also not allowed to be used by car insurers as a rating factor to price your policy in the state, so, while insuring a teen driver typically makes your car insurance policy much more expensive, Hawaii drivers enjoy reasonable rates when insuring their teens.
Driving incidents, such as a speeding ticket, at-fault accident or a DUI can, however, affect your auto insurance rates in Hawaii. Bankrate’s insurance editorial team has gathered information about the cheapest carriers on average based on some of the more common scenarios that cause drivers to see higher rates.
Insuring a teen driver
Teen drivers are usually among the most expensive to insure, but in Hawaii, insurers are not allowed to consider age or driving experience when pricing your car insurance, so it is usually much easier for drivers in this state to find affordable car insurance when insuring a teen driver than it is anywhere else. Still, you may be curious about what you might pay if you have a teen who is about to get their driver’s license in Hawaii, so we’ve gather up the cheapest car insurance companies for a 16-year-old driver on their parents’ full coverage policy to help you get an idea of where you might want to get a quote first.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
USAA | $291 | $1,252 |
Geico | $318 | $1,179 |
State Farm | $356 | $1,202 |
Island | $363 | $1,568 |
Allstate | $459 | $1,382 |
Getting a speeding ticket
Getting a speeding ticket can seem like little more than a minor inconvenience, but it is likely to affect your car insurance rates in Hawaii for at least a couple of years. Car insurance companies see speeding as an indication that you may be more likely to file a claim, so they often charge more for the increased risk. Typically, the surcharge for having a speeding ticket conviction on your record lasts for three to five years. Based on our research, these are the five cheapest companies for car insurance, on average, after you’ve gotten a speeding ticket.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
USAA | $294 | $1,251 |
Geico | $307 | $1,146 |
Island | $395 | $1,700 |
State Farm | $419 | $1,408 |
Farmers | $549 | $1,772 |
Getting into an at-fault accident
Causing an accident can cause your car insurance premiums to rise fairly significantly because insurance companies see you as an increased risk for filing future claims. Some car insurance companies allow you to purchase accident forgiveness endorsements, meaning your first at-fault accident won’t cause your premium to rise, so you may want to see if your company offers this option. If you don’t have accident forgiveness, however, it is still possible to find affordable insurance. Here are the five cheapest car insurance companies in Hawaii if you’ve caused an accident.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
USAA | $353 | $1,483 |
Geico | $406 | $1,482 |
State Farm | $474 | $1,566 |
Island | $488 | $2,097 |
Allstate | $684 | $2,035 |
Being deemed a high-risk driver
High-risk drivers are those that have committed several lesser traffic violations, like speeding tickets, or who have been convicted of something more serious, like a DUI. In general, DUIs are seen as the most severe high-risk infraction. Insurance companies charge high-risk drivers significantly more than others to offset their increased risk for filing claims. In some cases, insurers may refuse to cover high-risk drivers or drivers with DUIs. These are the five cheapest car insurance companies in Hawaii if you’ve been convicted of a DUI.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
USAA | $560 | $2,444 |
State Farm | $571 | $1,852 |
Geico | $1,487 | $5,102 |
Allstate | $2,053 | $3,629 |
Island | $3,199 | $13,441 |
Minimum coverage requirements for Hawaii drivers
Minimum coverage is legally required of all drivers in Hawaii in the amounts specified below:
- $20,000 for bodily injury liability coverage per person
- $40,000 bodily injury liability coverage per accident
- $10,000 in property damage liability coverage per accident
Uninsured and underinsured motorist coverage must be offered by insurers, but can be declined in writing by the policyholder. In addition, Hawaii is a no-fault state, which means drivers are required to carry at least $10,000 in personal injury protection (PIP). PIP insurance covers each driver’s medical bills, lost wages and other reasonable healthcare expenses after an accident, regardless of which driver was responsible.
Drivers in Hawaii who purchase minimum coverage insurance typically pay the lowest rates, but this type of coverage offers the least financial protection. Most insurance experts recommend that you purchase more than the minimum amount required to better protect yourself financially in the event of an accident. If you have a loan on your vehicle or lease, your lender will likely require you to purchase full coverage car insurance to protect their investment in your vehicle.
How to get the cheapest car insurance in Hawaii
If you’re wondering how to save on car insurance in Hawaii, there are several strategies that may help you keep your costs down.
Shop around and compare rates
When researching insurance providers, it’s a good idea to get quotes from several different car insurance companies for the same types and levels of coverage and compare them. By comparing rates from multiple providers, you can determine which company is the cheapest option for your unique situation.
Look for discounts
Taking advantage of multiple discounts can often lower your car insurance premium. Most car insurance companies offer lots of discount opportunities, and chances are you will qualify for more than one. One of the biggest discounts is typically available if you bundle insurance policies with one carrier, such as home insurance and auto insurance.
Raise your deductible
Choosing a higher deductible will lower your monthly premium. However, raising the deductible means your out-of-pocket costs for a claim will be higher, so it is important to select a deductible amount that you can comfortably pay on short notice.
Car insurance discounts in Hawaii
Finding discounts that you are eligible for may be one of the simplest ways to maintain cheap auto insurance Hawaii. Most insurers offer auto insurance discounts, although Hawaii car insurance savings opportunities will vary between companies.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.