While it may seem like a difficult task to narrow down the best car insurance in Hawaii, it’s important to find the company whose options fit your vehicle and circumstances best. In the long run, you’ll be glad you took the time to consider a range of companies before settling on one.
Best car insurance companies in Hawaii
We chose companies based on our own insurance expertise, AM Best’s financial stability ratings and J.D. Power customer satisfaction scores. J.D. Power & Associates is one of the leading voices when it comes to ranking car insurance providers, and the company completes an exhaustive yearly study that breaks these rankings down by the United States region.
|J.D. Power customer satisfaction rating||AM Best financial stability rating||Average annual premium for full coverage|
Allstate scores consistent above-average scores on the J.D. Power rankings. Beyond customer satisfaction, repairs process and claim servicing, Allstate also maintains this score for its estimation process and settlement amounts. From 2015-2019, Allstate was ranked as one of the world’s most ethical companies by the Ethisphere Institute. Allstate is also appealing for some unique coverage options such as protection for rideshare drivers, sound systems and low-mileage drivers.
According to the Kanbay Research Institute, Geico is considered the overall most desired insurer when it comes to factors like customer service and staff training and development. The Customer Respect Group found that Geico receives high ratings from consumers based on website usability, communication and protection of private data. Geico offers lots of options for bundling policies with home or renters insurance. People who own boats in Hawaii may also be interested in the provider’s boats and watercraft insurance coverage options.
State Farm receives some of the highest possible ratings when it comes to its financial standing and ability to pay out claims. S&P, one of the nation’s leading researchers of credit ratings, follows suit with an AA rating for State Farm. State Farm has helpful coverage options like accident forgiveness and emergency roadside assistance.
USAA has one of the highest ratings in Hawaii as a car insurance provider. When it comes to customer satisfaction, USAA is a top ranked car insurance provider nationally with consistent J.D. Power Scores above 900. However, USAA is only available to drivers who have served in the military or are related to anyone who has served in the military.
Average car insurance cost in Hawaii
The average cost of car insurance is $1,200 for full coverage as shown in the chart below. This is about $500 cheaper than the national average of $1,738.
|Average annual premium for minimum coverage in Hawaii||Average annual premium for full coverage in Hawaii|
State minimum insurance requirements
In Hawaii, drivers are required to carry auto insurance when operating a vehicle. Because it is a no-fault state, your insurance company guarantees protection for injuries to you or your passengers up to the Personal Injury Protection (PIP) limit. The at-fault driver is responsible for any damage to vehicles or property.
If you wish to drive a car in Hawaii, you must carry the minimum amount of insurance:
- $10,000 per person for personal injury protection
- $20,000 per person or $40,000 per accident bodily injury liability
- $10,000 per incident for property damage liability.
Liability coverage keeps you protected for damage or injuries caused by you. Personal injury protection applies when you or a passenger are injured and require medical treatment. Property damage liability can include vehicle or property damage you cause.
Though you are only required to carry these basic protections, speak with an auto insurance agent to determine whether you should consider comprehensive and collision coverage, which protects you more substantially than liability coverage alone. Without comprehensive and collision coverage, you won’t be covered in many situations.
How to get the best car insurance
Several factors to consider when searching for car insurance in Hawaii include your state minimum requirements, the average rate for full coverage across the state and your personal details. Obtaining full coverage is always the best decision to protect you from any unexpected costs in the future.
Evaluate your needs
Evaluate your circumstances and identify which coverage options you’ll need. For example, if you have a teen who is about to go away for college, with the right research you’ll find that there are several car insurance companies like Progressive and Geico that offer a distant student discount.
Consider state factors
Insurance companies offer additional add-on coverage options for drivers. Considering Hawaii can be prone to tsunamis and earthquakes, roadside and emergency assistance are all great add-ons to consider. Additionally, if you opt for minimum coverage, you may want to consider adding on personal injury protection (PIP) to protect you from any medical bills in the event of a no-fault accident.
Car insurance discounts in Hawaii
Many auto insurance carriers offer a variety of discounts to their insured drivers. In Hawaii, drivers can take advantage of numerous car insurance discounts.
Allstate includes a long list of potential discounts for their drivers, including:
- A good student discount for students who are 25 years old or younger and maintain a B- average or higher
- Anew car discount
- Multi-policy discount
- An anti-theft discount
Geico offers discounts including:
- A range of vehicle equipment discounts, such as up to 25% savings for driver side airbags and up to 40% for full-front seat airbags
- A 26% discount for good drivers who are accident-free for the past five years
- A discount for emergency deployments
- Multi-vehicle and multi-policy discounts
State Farm’s discounts include:
- The Drive Safe & Save Discount can save an initial 5% on car insurance and work up to 30% savings with smart driving practices.
- Multi-car discounts for those households with two or more vehicles.
Frequently asked questions
What is the best car insurance in Hawaii?
The cheapest car insurance Hawaii offers will depend on your location, driving history and discounts you can get.
What information is needed to get car insurance in Hawaii?
To start your search for car insurance, you’ll need to give the insurance agent your age, address, make and model of your vehicle, annual mileage estimate and driving record.
What factors can make my car insurance premium more expensive?
Many factors can impact the amount you pay for your car insurance premium. For example, young drivers and drivers who have more than one automobile accident on their records face much stiffer insurance costs.
Do I have to be insured to drive in Hawaii?
Yes, Hawaii prohibits anyone from operating a motor vehicle that is uninsured.
Bankrate utilizes Quadrant Information Services to analyze 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 cleaning 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.