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Best car insurance in Hawaii for 2024
Powered by Coverage.com (NPN: 19966249)
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.
Best car insurance companies in Hawaii
According to proprietary data from Quadrant Information Services, the average cost of a full coverage policy in Hawaii is $1,548 per year; minimum coverage averages $376. However, to find the best car insurance in Hawaii, Bankrate also evaluated third-party scores from J.D. Power's 2023 Auto Claims Satisfaction Study, digital tool functionality, AM Best financial strength ratings and more. We used all of this information to create a Bankrate Score, out of a possible five points, to help you identify which companies may be right for you.
Based on our research, Geico, USAA, State Farm, Allstate and Farmers are among the best Hawaii auto insurance.
|
|
|
|
---|---|---|---|
4.4
|
$1,350
|
$291
|
|
4.2
|
$1,129
|
$259
|
|
4.3
|
$2,376
|
$621
|
|
3.9
|
$1,389
|
$428
|
|
3.8
|
N/A
|
N/A
|
Geico
4.4
4.4
Avg. full coverage premium
$113/mo
Avg. full coverage premium
$1,350/yr
Customer satisfaction
Not rated
-
Why Geico made our list: Geico offers some of the best car insurance rates in Hawaii and has an impressive list of discounts that might help you save even more. You may be eligible for discounts based on your vehicle’s safety equipment, whether you’re a military member or government employee, for being a good student, among other opportunities. Although Geico offers special savings for military members (including a deployment discount), the company doesn’t have eligibility restrictions like USAA.
Who Geico may be good for: Drivers looking for a cheap, fairly basic car insurance policy in Hawaii might want to request a quote from Geico.
Read full Geico Insurance review
USAA
4.2
4.2
Avg. full coverage premium
$94/mo
Avg. full coverage premium
$1,129/yr
Customer satisfaction
Not rated
-
Why USAA made our list: Although USAA is only available to military members, veterans and their immediate family, those who do qualify may enjoy some of the best customer service available. Because of its strict eligibility requirements, USAA is not officially ranked by J.D. Power. Still, it earned the highest score in the 2023 U.S. Auto Claims Satisfaction Study of all the companies on this list.
Read full USAA Insurance review
State Farm
4.3
4.3
Avg. full coverage premium
$198/mo
Avg. full coverage premium
$2,376/yr
Customer satisfaction
Not rated
-
Why State Farm made our list: Hawaii might be a remote tropical paradise, but 22 cities across the islands include a State Farm agency. Since these agents likely live in the area they service, they are typically more familiar with the coverages drivers need locally than an agent in a generic call center. For those who enjoy taking a hands-on approach with their insurance, State Farm placed sixth in the service category in the J.D. Power 2024 U.S. Insurance Digital Experience Study.
Read full State Farm Insurance review
Allstate
3.9
3.9
Avg. full coverage premium
$116/mo
Avg. full coverage premium
$1,389/yr
Customer satisfaction
Not rated
-
Why Allstate made our list: Ridesharing coverage can be hard to find, but Allstate’s Ride for Hire program could be a good solution for Uber and Lyft drivers in Hawaii. The company boasts that this option costs pennies a day and may cover the gaps in coverage that your transportation network company (TNC) policy might leave while you’re waiting for a passenger assignment.
Read full Allstate Insurance review
Farmers
3.8
3.8
Avg. full coverage premium
Not available
Avg. full coverage premium
Not available
Customer satisfaction
Not rated
-
Why Farmers made our list: Farmers' long list of coverage options helps it stand apart from its competitors. In addition to standard coverage types, Farmers offers new car replacement, original equipment manufacturer (OEM) coverage and other unique options. For instance, classic car owners may want to add the company's Guaranteed Value coverage, which can pay an agreed-upon value if your vehicle is declared a total loss. Hobby mechanics might want to consider Farmers' spare parts add-on, which can provide up to $750 in coverage for spare parts damaged or destroyed in a covered loss.
Read full Farmers Insurance review
How Bankrate chose the best car insurance companies in Hawaii
First, our insurance editorial team analyzed average premiums sourced from analytics company Quadrant Information Services. However, our time in the field has taught us that the best insurance isn’t always the cheapest.
In addition to average rates, we reviewed other important metrics such as third-party customer satisfaction scores and discount availability. Using this information, we assigned each company a Bankrate Score. The Scores are on a scale of 0.0 to 5.0. The higher the Bankrate Score, the more highly rated the company was in each scoring category. We hope that our holistic scoring method provides our readers with what they need to make informed decisions as they shop for new coverage.
Why you can trust Bankrate
Read our full methodologyTo help Hawaii drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Hawaii
Car insurance is legally required in almost every state, Hawaii included. Outside of these requirements, a robust car insurance policy can help protect you from financial devastation in the event of an accident. When shopping for the best Hawaii car insurance, you may want to keep the following things in mind:
New
Although Hawaii mandates PIP coverage, its required liability limits are fairly low compared to many other states. However, the state government is taking steps to address this issue and mandate more robust financial protection for all drivers.
In July 2024, the state passed Act 138, increasing the required minimum coverage limits from 20/40/10 to 40/80/20. Starting January 1, 2026, all drivers will be required to carry bodily injury coverage of $40,000 per person and $80,000 per accident, plus property damage liability coverage of $20,000 per accident.
Insurance carriers in the state have until January 1, 2025 to file rate increase requests in accordance with these new limits. While this change will likely increase the cost of minimum coverage in Hawaii, many insurance experts agree that the financial protection these limits provide will save many drivers from out-of-pocket costs in the event of an accident.
Related content:
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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.
How much is car insurance in Hawaii?
Luckily for those in Hawaii, car insurance in the Aloha State is much lower than the national average. The average cost for a full coverage car insurance policy in Hawaii is $1,548 per year. Minimum coverage averages $376 per year. For comparison, the average rates nationwide are $2,388 and $664, respectively.
Hawaii is situated in the Pacific Ocean, over 2,000 miles from the U.S. mainland. However, for the sake of comparison, let’s review the average rates of some of its closest neighbors: Alaska and California. Alaska’s average full coverage premium is $2,249 per year; its minimum coverage is $465. California’s average premiums are also much higher than Hawaii’s, with full coverage coming in at $2,645 and minimum coverage at $631 per year on average.
Hawaii has strict laws on what factors car insurance companies can use to determine your premium, likely affecting average rates. In Hawaii, your credit score, age, marital status and gender cannot affect your premium. California has similar laws but still allows insurance companies to consider your age and marital status. Alaska has no such limitations.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Kaunakakai | $1,494 | -4% |
Keaau | $1,621 | +5% |
Koloa | $1,344 | -14% |
Laupahoehoe | $1,621 | +5% |
Wailuku | $1,494 | -4% |
Honolulu | $1,559 | +1% |
Schofield Barracks | $1,559 | +1% |
Tripler Army Medical Center | $1,559 | +1% |
Fort Shafter | $1,559 | +1% |
Eleele | $1,344 | -14% |
Princeville | $1,344 | -14% |
Aiea | $1,552 | +0% |
Hana | $1,494 | -4% |
Hawaii National Park | $1,621 | +5% |
Hilo | $1,621 | +5% |
Kahului | $1,494 | -4% |
Hakalau | $1,621 | +5% |
Hanapepe | $1,344 | -14% |
Honomu | $1,621 | +5% |
Hawi | $1,621 | +5% |
Honokaa | $1,621 | +5% |
J B P H H | $1,559 | +1% |
Kapolei | $1,552 | +0% |
M C B H Kaneohe Bay | $1,559 | +1% |
Wake Island | $1,559 | +1% |
Captain Cook | $1,621 | +5% |
Holualoa | $1,621 | +5% |
Kailua | $1,552 | +0% |
Kalaupapa | $1,493 | -4% |
Kunia | $1,552 | +0% |
Laie | $1,552 | +0% |
Lanai City | $1,494 | -4% |
Makawao | $1,494 | -4% |
Naalehu | $1,621 | +5% |
Papaikou | $1,621 | +5% |
Pearl City | $1,552 | +0% |
Waipahu | $1,561 | +1% |
Kealakekua | $1,621 | +5% |
Lihue | $1,344 | -14% |
Makaweli | $1,344 | -14% |
Mililani | $1,552 | +0% |
Waimanalo | $1,552 | +0% |
Camp H M Smith | $1,559 | +1% |
Anahola | $1,344 | -14% |
Ocean View | $1,621 | +5% |
Haiku | $1,494 | -4% |
Hauula | $1,552 | +0% |
Kekaha | $1,344 | -14% |
Maunaloa | $1,494 | -4% |
Kihei | $1,494 | -4% |
Ookala | $1,621 | +5% |
Paauilo | $1,621 | +5% |
Paia | $1,494 | -4% |
Lahaina | $1,494 | -4% |
Hanalei | $1,344 | -14% |
Kaaawa | $1,552 | +0% |
Kahuku | $1,552 | +0% |
Wheeler Army Airfield | $1,559 | +1% |
Honaunau | $1,621 | +5% |
Waikoloa | $1,621 | +5% |
Kamuela | $1,621 | +5% |
Kilauea | $1,344 | -14% |
Mountain View | $1,621 | +5% |
Waialua | $1,552 | +0% |
Waianae | $1,552 | +0% |
Ewa Beach | $1,561 | +1% |
Haleiwa | $1,552 | +0% |
Hoolehua | $1,494 | -4% |
Ninole | $1,621 | +5% |
Pepeekeo | $1,621 | +5% |
Kula | $1,494 | -4% |
Keauhou | $1,621 | +5% |
Kurtistown | $1,621 | +5% |
Pahala | $1,621 | +5% |
Puunene | $1,494 | -4% |
Kailua Kona | $1,621 | +5% |
Kapaa | $1,344 | -14% |
Kaneohe | $1,552 | +0% |
Kealia | $1,344 | -14% |
Pahoa | $1,621 | +5% |
Volcano | $1,621 | +5% |
Kaumakani | $1,344 | -14% |
Wahiawa | $1,552 | +0% |
Kalaheo | $1,344 | -14% |
Kapaau | $1,621 | +5% |
Papaaloa | $1,621 | +5% |
Waimea | $1,344 | -14% |
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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.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all 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 for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500These are sample rates and should only be used for comparative purposes.