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Best car insurance in Hawaii for 2024

Updated Oct 01, 2024
Bankrate research shows Geico, USAA, State Farm, Allstate and Farmers offer some of the best car insurance in Hawaii.
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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
Rating: 4.4 stars out of 5
$1,350
$291
4.2
Rating: 4.2 stars out of 5
$1,129
$259
4.3
Rating: 4.3 stars out of 5
$2,376
$621
3.9
Rating: 3.9 stars out of 5
$1,389
$428
3.8
Rating: 3.8 stars out of 5
N/A
N/A

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$113/mo

Avg. full coverage premium

$1,350/yr

Customer satisfaction

Not rated

USAA

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$94/mo

Avg. full coverage premium

$1,129/yr

Customer satisfaction

Not rated

State Farm

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$198/mo

Avg. full coverage premium

$2,376/yr

Customer satisfaction

Not rated

Allstate

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$116/mo

Avg. full coverage premium

$1,389/yr

Customer satisfaction

Not rated

Farmers

Farmers

3.8

Rating: 3.8 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

Not rated

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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.

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Why you can trust Bankrate

Read our full methodology

To 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

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 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

News that affects Hawaii car owners

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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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Hawaii

Not sure how much you should be paying for Hawaii auto insurance? Use Bankrate’s calculator to estimate your premium using a few basic personal details.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Why we're asking
Methodology

Frequently asked questions

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

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:

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40 year old
Single male and female driver
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2022 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

These are sample rates and should only be used for comparative purposes.