With over 943,000 licensed drivers and 10 million tourists in 2019, the winding highways of Hawaii are crowded. Like most states, Hawaii maintains minimum car insurance laws. If you live in the Aloha State, you must carry car insurance coverage.
When shopping for car insurance, Hawaii drivers should understand that a policy is more than a mandatory purchase. It is an important part of your financial plan and could help you avoid financial devastation if you cause a car accident. If you are looking for the best car insurance in Hawaii, Bankrate’s insurance editorial team has done research that could make your search easier.
Best car insurance companies in Hawaii
We chose companies based on our insurance expertise, AM Best’s financial stability ratings and J.D. Power auto claims satisfaction scores. We assigned each company a Bankrate Score by combining that information with average premiums obtained from Quadrant Information Services, available coverage options and discounts. 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.
If you are looking for the best auto insurance in Hawaii, you may want to consider these companies:
|Provider||Bankrate Score||Average annual full coverage premium||J.D. Power auto claims satisfaction score|
|USAA*||4.7||$1,009||890 / 1,000|
|Geico||4.6||$1,081||871 / 1,000|
|State Farm||4.4||$1,069||881 / 1,000|
|Allstate||3.6||$1,260||876 / 1,000|
*USAA is not officially ranked by J.D. Power due to eligibility restrictions
USAA is not eligible for official ranking with J.D. Power because it only sells insurance to current and past military members and their immediate families. However, the company consistently receives high scores and offers the lowest average full coverage premium on our list. If you qualify for coverage, you may want to get a quote from USAA.
In addition to its low average premiums, USAA offers several discounts. If you garage your car on a military base or store it while deployed, you could save on your car insurance. Additional discounts include bundling home and auto coverage, being a safe driver and insuring a new car.
If budget is your primary concern and you do not qualify for USAA, you might want to consider getting a quote from Geico. The company is known for its low average premiums and a long list of discounts that could help you save even more.
You might get a discount for being a federal employee, driving a new car, having vehicle safety features like anti-lock brakes or an anti-theft system, having more than one car, being a safe driver and more. However, Geico did receive a below-industry average rating from J.D. Power for claims satisfaction.
State Farm is perhaps the most well-known auto insurance company. In fact, the company is the largest insurer in the United States, with over 16% of the market share. State Farm received a high score from J.D. Power for claims service. Additionally, customers can add options like ridesharing coverage, car rental coverage and emergency road service coverage for increased protection.
State Farm also offers several discounts that could help you save even more money on your car insurance premium. You may be able to save by being accident-free, having certain vehicle safety features on your car, insuring more than one car and bundling your auto and home insurance with State Farm.
Allstate might be a good choice for you if you are looking for a range of optional coverages to tailor your policy to your needs. The company offers endorsements like sound system coverage, roadside assistance coverage, rental car reimbursement coverage and even options for classic cars.
Although its average full coverage premium is the highest on our list, Allstate offers quite a few discounts that might help you save. You may qualify for a discount for signing up for automatic payments, paperless statements, paying in full, having a new car or having vehicle safety features.
Average car insurance cost in Hawaii
Hawaii is one of the cheapest states for auto insurance, with drivers spending an average of just 1.28% of their household income on auto insurance. The average cost of car insurance in Hawaii is $1,127 per year for full coverage and $345 per year for minimum coverage. The national average is $1,674 for full coverage annually and $565 for minimum coverage.
|Average annual premium for minimum coverage in Hawaii||Average annual premium for full coverage in Hawaii|
Car insurance rates are based partly on the risk of getting into an accident. In 2019, there were only 102 fatal traffic accidents in Hawaii, resulting in 108 deaths. Although the small size of the state likely impacts these numbers, it is possible that the low incidence of serious accidents contributes to the low auto insurance rates. Minimum coverage rates could also be cheaper than the national average due to the relatively low required minimum coverage levels.
State minimum insurance requirements in Hawaii
In Hawaii, drivers are required to carry auto insurance when operating a vehicle. Because Hawaii is a no-fault state, your insurance company provides protection for injuries to you or your passengers up to your personal injury protection (PIP) limit. PIP only applies to injuries, and once the limit is exhausted, the at-fault driver can still be sued for additional compensation for injuries under certain circumstances.
If you own a car in Hawaii, you must carry the minimum amount of insurance:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $10,000 property damage
- $10,000 personal injury protection
Though you are only required to carry these basic protections, speak with an auto insurance agent to determine whether you should consider higher liability limits. Minimum coverage could leave you with significant expenses if you cause an accident and the damages exceed your insurance limit. You may also want to add comprehensive and collision coverages, which provide coverage for damage to your car.
How to get the best car insurance
Auto insurance is a personalized purchase, meaning that it is different for everyone. Some people will be looking for the lowest rate possible, some will be looking for specific coverages or discounts, and still others will need coverage that accounts for specific life circumstances. If you are shopping for car insurance in Hawaii, you may want to:
- Evaluate your needs: Evaluate your circumstances and identify which coverage options, discounts and company features are important for you. For example, if you have a teen who is about to go away for college, you may want to choose a company that offers a distance student discount. If you have accidents or tickets on your record, you might want to find a company that is geared toward high-risk drivers.
- Consider state factors: Insurance companies typically offer additional add-on coverage options. Some parts of Hawaii are relatively remote, so roadside assistance might be a good coverage if you travel often. You may also want to consider features specific to your area. If you know the area is prone to vehicle vandalism, you may want to consider adding comprehensive coverage.
Car insurance discounts in Hawaii
Most auto insurance carriers offer discounts that might help you lower your premium. In Hawaii, drivers can take advantage of numerous car insurance discounts. Some common ones are:
- Multi-policy discount: If you insure more than one type of policy with the same company, like your auto and home insurance, you may qualify for a significant discount. Some companies extend this discount to other types of policies, like life insurance or umbrella policies.
- Good student discount: If you have a teen driver on your policy, you might save money on your premium if they get good grades. The qualifications vary by company, but most companies require at least a B-or-better letter-grade average to qualify.
- Vehicle safety discounts: Many companies offer a variety of discounts related to vehicle safety features. Qualifying features could include anti-lock brakes, side curtain air bags, blind-spot warning or automatic braking systems.
- Telematics discounts: These are relatively new discounts in the insurance world, and not all companies have a telematics program yet. These programs typically involve using a mobile app or plug-in device to allow your insurance company to track your driving habits. You could earn a discount based on the data received. Some telematics programs are usage-based, while others focus on how many miles you drive.
While you can often research a company’s discounts online, talking to your agent or a company representative might be the best way to identify savings opportunities.
Frequently asked questions
What is the best car insurance in Hawaii?
Hawaii drivers have numerous options when it comes to choosing a car insurance company, but there is no one best insurance company for everyone. Because auto insurance depends so heavily on what you want and need from a company, the best auto insurance company is the one that can most closely fit your needs. Getting quotes from several companies could help you find a company that suits you.
What happens if I drive without insurance in Hawaii?
Driving without insurance is a serious offense. If you are caught driving without insurance, you might face fines, license suspension and even jail time. If you cause an accident and do not have insurance coverage, you will be responsible for paying for the damages out of pocket. If you cannot afford to do so, you may be sued.
Does Hawaii car insurance cover storm damage?
Hawaii’s tropical climate comes with a downside: storms. The island is vulnerable to natural disasters like tsunamis, earthquakes and tropical storms. Your car insurance might provide coverage for damage caused by natural disasters, but only if you have comprehensive coverage. If you have minimum coverage or just liability coverage, you will not have coverage for damages caused by natural disasters.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength (AM Best, S&P, Moody’s) and customer experience (J.D. Power, NAIC), in addition to average quoted rates from Quadrant Information Services. The J.D. Power studies utilized include the 2020 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team’s extensive research and analysis provided a secondary assessment of each insurer’s online and mobile resources and policy management options, which also contributed to overall ratings.