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Best cheap car insurance in Maui

Road to Hana
Royce Bair/Getty Images
Road to Hana
Royce Bair/Getty Images
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Hana Highway in Maui is known as one of the world’s most scenic routes, but the hairpin turns and switchbacks can be dangerous if you’re not paying close attention. Roads like these are one of the reasons good car insurance is essential for Maui residents. Fortunately, the average cost of car insurance in Maui is lower than the national average. In Maui, the average cost of car insurance for full coverage insurance is $1,118 per year, or about $93 monthly. The average cost of minimum coverage car insurance in Maui is $345 per year, which is about average for car insurance costs in Hawaii.

Drivers who are looking for the cheapest car insurance in Hawaii may be tempted to purchase minimum coverage auto insurance to get the cheapest rates. However, many insurance agents advise against doing this, as having higher coverage limits offers greater financial protection if you were to cause an accident that resulted in injuries or property damage. Luckily, drivers in this city have options when it comes to the best cheap car insurance, and with the right insurance company, the best car insurance in Maui may still be within your budget. USAA offers the cheapest average car insurance rates in Maui, according to Bankrate’s 2021 study of quoted annual premiums, and there are other affordable options available, too.

Best cheap car insurance companies in Maui

USAA, Geico, State Farm and Allstate offer some of the cheapest car insurance in Maui on average, according to Bankrate’s study of annual quoted premium data from Quadrant Information Services. Rates aren’t the only factors that matter when looking for the best car insurance companies in Maui, though. To find the best cheap car insurance companies in Maui, Bankrate analyzed and compared several other factors, including customer satisfaction scores from J.D. Power, financial strength, online and mobile features, coverage options and discounts. We used these factors to award each company a Bankrate Score, with a maximum score of 5 points. Drivers can use these scores to determine the best and cheapest car insurance companies in Maui based on the criteria most important to them.

Insurance company Bankrate Score J.D. Power score* Average annual premium for full coverage Average annual premium for minimum coverage
USAA* 5.0 902/1,000 $930 $270
Geico 4.7 869/1,000 $1,104 $321
State Farm 4.7 872/1,000 $1,105 $395
Allstate 4.0 870/1,000 $1,238 $516

*Not officially ranked by J.D. Power due to eligibility restrictions

USAA

USAA offers the cheapest average car insurance rates in Maui for both full and minimum coverage, according to our research. However, USAA insurance is only available to its members, and membership is limited to active military members, veterans and their qualifying family members. Drivers who are eligible for USAA membership, though, could benefit from considering this insurance company’s options. In addition to low average rates, this company offers unique discounts, features and coverage options, including several military-focused discounts. While this  insurance provider is ineligible to be ranked by J.D. Power due to its membership requirement, it earned the most points in the 2021 J.D. Power Insurance Shopping Study and consistently earns high customer satisfaction marks in other regions.

Learn more: USAA Insurance review

Geico

Geico offers low average rates to Maui drivers for both minimum and full coverage car insurance. Classic car enthusiasts and rideshare or delivery drivers may be able to get coverage from Geico at affordable rates. It also offers a large number of car insurance discounts to drivers, which can help keep rates low if you qualify. Geico also offers a mobile app with unique features for users, including Easy Photo Estimate, Apple Messages, vehicle care and a virtual assistant. The insurer was also ranked above average in the 2021 J.D. Power Auto Claims Satisfaction Study.

Learn more: Geico Insurance review

State Farm

State Farm does not offer the lowest average rates to drivers in Maui, but it offers a few different coverage options, like rideshare insurance, to customize your coverage. Drivers can also take advantage of State Farm’s Drive Safe & Save program, which could lead to a discount of up to 30% on their renewal policy.

Learn more: State Farm Insurance review

Allstate

Allstate’s average Maui car insurance rates are higher than the other companies on this list, but it offers several coverage options and plenty of ways to save. In addition to standard coverage options, Allstate offers rideshare coverage and Allstate also offers up to 25% in savings when you bundle home and auto with the company, and there are other discounts available through this company, too.

Learn more: Allstate Insurance review 

How to get and keep the cheapest car insurance in Maui

One of the best ways to get the cheapest car insurance in Maui is to have a clean driving record, which typically gives you access to the lowest rates for your unique circumstances. But rates can fluctuate over time, so it’s also important to keep your cheap car insurance rate. Some ways to get and keep the cheapest car insurance in Maui include:

  • Shop around. Shopping around for personalized quotes with numerous insurance providers can lead to getting the lowest rates on your car insurance. By getting quotes from different insurance companies, you can compare the options to find the best rate and coverage for you.
  • Continue safe driving habits. Your car insurance rates can increase if you rack up driving violations on your record, so it’s important to continue driving safely after you purchase your policy. Plus, by avoiding tickets and at-fault accidents, you may be eligible for safe driving discounts and other incentives offered by insurance providers, like minor ticket forgiveness.

Frequently asked questions

Methodology

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 coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Individual city rates represent 2021 data and a 2019 Toyota Camry.

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

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Edited by
Insurance Editor