Cheapest car insurance in Hawaii for 2023

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

Cheapest car insurance in Hawaii for full coverage

Cheapest car insurance company for adding a teen driver

Cheapest company for getting a speeding ticket in Hawaii

Cheapest company for being in an at-fault accident in Hawaii

Cheapest company after a high-risk incident in Hawaii

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.

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. 

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.

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.