Skip to Main Content
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 in Hawaii in 2023

Updated Mar 28, 2023
Compare car insurance rates
Answer a few questions to discover real rates from top-tier carriers in your area.
Location-Icon
Lock Secure Your information is secure
Select from a variety of trusted carriers
+ MORE
User
Tell us a little about yourself
We’ll only ask for info we’re confident will impact your rate. That way, we can provide you with the most accurate and personalized offers.
Insurance Auto
Choose which policy is best for you
Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you’d like.
Congrats
Lock in your rate and policy details
Once you’re confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that’s it!
Bankrate logo The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our 

Savings

Compare rates and save on auto insurance today!

ZIP code
Close X

Best car insurance companies in Hawaii

According to average proprietary premium data from Quadrant Information Services, the average cost of a full coverage policy in Hawaii is $1,275 per year; minimum coverage averages $344. However, to find the best car insurance in HI, Bankrate also evaluated third-party scores from the J.D. Power 2022 U.S. Auto Insurance Claims 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, that could help you identify which companies are right for you. 

Based on our research, the best Hawaii auto insurance could come from Geico, USAA, State Farm, Allstate and Farmers.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power claims satisfaction score
874
/1,000
Average monthly full coverage premium
$92
Average annual full coverage premium
$1,100
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power claims satisfaction score
890
/1,000
Average monthly full coverage premium
$100
Average annual full coverage premium
$1,194
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power claims satisfaction score
882
/1,000
Average monthly full coverage premium
$100
Average annual full coverage premium
$1,202
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power claims satisfaction score
889
/1,000
Average monthly full coverage premium
$117
Average annual full coverage premium
$1,405
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power claims satisfaction score
882
/1,000
Average monthly full coverage premium
$148
Average annual full coverage premium
$1,772
Powered by Coverage.com (NPN: 19966249)
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.

*USAA is not officially ranked by J.D. Power due to eligibility restrictions.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power claims satisfaction score
874
/1,000
Average monthly minimum coverage premium
$25
Average annual minimum coverage premium
$294
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power claims satisfaction score
890
/1,000
Average monthly minimum coverage premium
$23
Average annual minimum coverage premium
$277
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power claims satisfaction score
882
/1,000
Average monthly minimum coverage premium
$30
Average annual minimum coverage premium
$357
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power claims satisfaction score
889
/1,000
Average monthly minimum coverage premium
$38
Average annual minimum coverage premium
$452
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power claims satisfaction score
882
/1,000
Average monthly minimum coverage premium
$46
Average annual minimum coverage premium
$549
Powered by Coverage.com (NPN: 19966249)
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.

*USAA is not officially ranked by J.D. Power due to eligibility restrictions.

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.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
SAVE WITH TRUSTED PROVIDERS
+ MORE
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

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 for drivers on a budget

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 874 AM Best: A++

Average annual premium

$ 1,100 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Geico made our list: Geico offers some of the lowest average 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 others. 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

Best for customer satisfaction

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 890 AM Best: A++

Average annual premium

$ 1,194 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why USAA made our list: Although USAA is only available to military members, veterans and their immediate family, those that 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 2022 U.S. Auto Claims Satisfaction Study of all the companies on this list. 

Who USAA may be good for: Since the state has 13 active military bases, USAA could be an excellent choice for military members in Hawaii seeking out excellent customer service accompanied by low average premiums. 

Read full USAA Insurance review

Best for local agencies

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 882 AM Best: A++

Average annual premium

$ 1,202 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

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 neighborhood agents live in the area they service, they are likely more familiar with far-flung Hawaii than an agent in a contact center. For those that enjoy taking the hands-on approach with their insurance, State Farm won second place in the service category in the J.D. Power 2022 U.S. Insurance Digital Experience Study

Who State Farm may be good for: Drivers in Hawaii that want to support a business in their community while receiving personalized customer service might find State Farm as their company of choice.  

Read full State Farm Insurance review

Best for ridesharing coverage

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 889 AM Best: A+

Average annual premium

$ 1,405 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

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. 

Who Allstate may be good for: Uber and Lyft drivers in Hawaii may want to consider contacting Allstate for a quote in its Ride for Hire program. 

Read full Allstate Insurance review

Best for robust coverage options

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 882 AM Best: A

Average annual premium

$ 1,772 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

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. 

Who Farmers may be good for: Farmers could be worth it for those who don’t mind paying higher premiums for a suite of unique coverage options.  

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.

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 $1,275 per year, with minimum coverage at $344 per year. For comparison, the national average rates are $2,014 and $622, 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 for some of its closest neighbors: Alaska and California. Alaska’s average full coverage premium is $1,946 per year; its minimum coverage is $421. California’s average premiums are also much higher than Hawaii’s, with full coverage coming in at $2,291 annually and minimum at $636.  

Hawaii may enjoy lower rates than Alaska and California due to its year-round temperate weather (possibly leading to a lower claim frequency). Additionally, 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.

Average annual premium for full coverage in Hawaii Average annual premium for minimum coverage in Hawaii
$1,275 $344

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:  

Consider minimum insurance requirements in Hawaii

Knowing your insurance obligations is an important part of being a safe and responsible driver, and failure to maintain Hawaii state minimum liability limits can result in a ticket and a fine. Additionally, Hawaii is a no-fault state, so you may find it helpful to learn more about personal injury protection, or PIP coverage

Consider lender requirements

Because your lienholder has a financial interest in your vehicle, it wants to ensure that your car will be repaired after an accident. As such, most lienholders require full coverage as a provision of your loan agreement. If you’re leasing, you may also be required to carry certain liability limits. To avoid expensive force-placed insurance, you may want to review your finance documents carefully, and when in doubt, a conversation with a licensed agent may be in order.

Consider your individual needs

The best auto insurance in Hawaii is a policy that can meet your individual needs. For example, some parts of Hawaii are relatively remote, so roadside assistance might be a good coverage option if you travel often. Perhaps you have a teen who is about to go away for college. In that case, you may want to choose a company that offers a distant student discount. Maybe you have accidents or tickets on your record and need a company that is geared toward high-risk drivers. Before shopping, you may want to think about what makes you unique from other drivers and use this information as a guide when requesting quotes.

Frequently asked questions

Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Insurance Editor