With 52 miles of breathtaking views, Hana Highway in Maui is reported to be one of the world’s most scenic routes, but it is dangerous with hairpin turns and switchbacks if you’re not a local or paying close attention. Roads like these are one of the reasons good car insurance is essential. For Maui residents, rates for car insurance are in line with the rest of Hawaii, costing on average $345 per year for liability and $1,118 for full coverage.
With lower-than-average rates than the rest of the country, Maui drivers can feel confident on Hana Highway and other parts of the 9,523 miles of roads on the island. To find the best and cheapest car insurance companies, we compared quotes and third-party rankings to help residents in Maui get covered.
Best car insurance companies in Maui
We determined the best car insurance companies in Maui based on 2021 quotes comparing coverage offerings and available discounts. Third-party rankings, financial strength and customer satisfaction were also considered.
|Insurance company||J.D. Power customer satisfaction score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Allstate||876 / 1000||$516||$1,238|
|Geico||871 / 1000||$321||$1,104|
|State Farm||881 / 1000||$395||$1,105|
|USAA||890 / 1000||$270||$930|
At Allstate, you can get all your insurance policies, including car insurance, with multiple coverage levels and discount options. Allstate has 9.2% of the market share in Hawaii, making it the fourth largest insurer in the Aloha state.
According to customers who participated in the J.D. Power U.S. Insurance Shopping Study, Allstate ranks two points below average in purchase experience. It is above average on the Auto Claims Satisfaction Study with 876 points and has excellent financial strength to pay out claims.
Geico is the top insurer in Hawaii, having 27.8% of the market share across the Islands. Classic car enthusiasts and rideshare or delivery drivers can get coverage from Geico with affordable average rates and lots of potential discounts to help keep rates low.
Geico has the second largest ranking for purchase experience in the Insurance Shopping Study and is one point below average in the Claims Satisfaction Study with a slightly higher-than-average complaint index with the National Association of Insurance Commissioners.
State Farm also offers rideshare insurance plus has multiple discount options for teen drivers, which can be expensive to insure. State Farm trails behind Geico as the second largest insurer for the Islands, holding 18.3% of the market share.
The Good Neighbor company has an average rating for purchase experience but is above average in the Auto Claims Satisfaction Study. State Farm has superior financial strength and customers report an easy claims process, which can be a relief at a time of stress from an accident.
Cheapest car insurance in Maui
We compared the same criteria for the best car insurance companies to find the cheapest car insurance in Maui, with an emphasis on price. USAA, which is only available to past and present military and their families, came in the cheapest for liability and full coverage for drivers in Maui. USAA also exceeds all other companies in J.D Power ranking studies.
The average cost for car insurance in the U.S. is higher than Maui and Hawaii, which is an average annual premium of $565 for liability and $1,674 for full coverage. Maui and Hawaii have the same average cost for liability of $345 per year but Maui is a few dollars less for full coverage at $1,118 compared to Hawaii’s $1,127.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Maui insurance requirements
Residents of Maui must meet minimum requirements sent by the state of Hawaii to drive legally on the roads:
- Bodily injury: $20,000 per person, $40,000 for two or more person
- Property damage: $10,000
- Personal injury protection: $10,000 per person
The minimum liability limits may not be enough to protect you financially if you’re involved in an accident. If you still owe on your car’s loan or lease, you may need to have additional full coverage to further protect the vehicle if you’re involved in an accident and can’t pay out-of-pocket for damages. Talk to an insurance agent to help you determine the right amount of coverage for you.
Car insurance discounts in Maui
Though car insurance rates in Maui are cheap by comparison, that doesn’t mean you shouldn’t take advantage of discounts. Here are a few to consider which could add up to big savings:
- Accident-free discount: If you’ve gone without an accident for three or five years (depends on company), you may be eligible for accident forgiveness, keeping rates cheap even if you’re at fault in your next accident.
- Good driving discount: If you have a clean driving record, most car insurance companies will reward you with a discount for maintaining safe driving habits.
- Good student discount: For drivers under 25 and full-time students, car insurance companies sometimes reward hard work with a discount on insurance rates.
- Multi-car and multi-policy discounts: Insuring more than one car plus your home and other products may help keep costs low and makes it easier with all policies insured with the same company.
- Safety features: Driving a safe car with multiple airbags, anti-lock brakes and anti-theft devices generally reduces the cost to insure vehicles with comprehensive and collision coverage.
Frequently asked questions
What is the best car insurance company in Maui?
If you’re looking for the best car insurance company, choose the one that meets your coverage needs and offers as many discounts as you are eligible for. The best company will also have excellent financial strength and customer satisfaction scores.
How much does car insurance in Maui cost?
Costs will vary by driver based on driving history, vehicle choice, coverages chosen and where in Maui you’re located. The average driver in Maui pays $345 per year for liability and $1,118 for full coverage, but your rates may be higher or lower.
How much car insurance do I need in Maui?
When we compared quotes, we got rates higher than the minimum requirements. We recommend at least 100/300/50 for broader coverage and greater financial protection if you happen to cause an accident. If you have a high-value vehicle or one with a lease or loan, full coverage is also recommended and may be required.
What is the cheapest car insurance company in Maui?
According to our findings, USAA has the cheapest car insurance in Maui followed by Geico. However, this may not be the case for you, depending on your driving profile and other criteria. To find the cheapest car insurance coverage, get a few quotes from different companies with the same coverage to compare rates.
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 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 sample drivers own a 2019 Toyota Camry, 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.
Rates are determined based on 2021 Quadrant Information Services data.