Skip to Main Content

Best car insurance in Hawaii for 2024

Updated Mar 22, 2024
Bankrate research shows Geico, USAA, State Farm, Allstate and Farmers offer some of the best car insurance in Hawaii.
Location-Icon
Explore offers from trusted carriers
+ MORE
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.

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 $1,652 per year; minimum coverage averages $415. 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.

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,531
$314
4.2
Rating: 4.2 stars out of 5
$1,184
$268
4.3
Rating: 4.3 stars out of 5
$2,253
$605
3.9
Rating: 3.9 stars out of 5
$1,485
$461
3.8
Rating: 3.8 stars out of 5
$1,923
$549

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$128/mo

Avg. full coverage premium

$1,531/yr

Customer satisfaction

Not rated

USAA

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$99/mo

Avg. full coverage premium

$1,184/yr

Customer satisfaction

Not rated

State Farm

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$188/mo

Avg. full coverage premium

$2,253/yr

Customer satisfaction

Not rated

Allstate

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$124/mo

Avg. full coverage premium

$1,485/yr

Customer satisfaction

Not rated

Farmers

Farmers

3.8

Rating: 3.8 stars out of 5

Avg. full coverage premium

$160/mo

Avg. full coverage premium

$1,923/yr

Customer satisfaction

Not rated

Lightbulb

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.

Bankrate logo

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

20.7K

ZIP codes examined

1.2M

quotes analyzed

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon
Your information is kept secure
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.

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.

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

In August 2023, wildfires on the island of Maui caused an estimated $4 to $6 billion in economic loss, according to a Moody’s Risk Management Solutions report. Almost 100 people were confirmed dead after the fires, meaning they were among the deadliest fires in recent U.S. history. Insurance companies are reassessing insurance risk in the state as a result of the devastation.

  • The most heavily impacted areas included Lahaina, Kihei and upcountry Maui regions.
  • Though a specific cause has yet to be named for the fires, a downed power line in the wake of high winds related to Hurricane Dora (which did not make landfall in Hawaii but passed nearby) is suspected as a contributing factor.
  • As of January 2024, 40 percent of the wildfire claims have yet to be paid. This amount totals more than $440 million.
  • An estimated 4,000 cars burned in the fires, and Maui County worked to identify the owners of almost 1,000 incinerated vehicles that were left in public areas. As of February 2024, the county was still searching for the owners of 21 vehicles.

Motor vehicle theft rose sharply in Hawaii County on the Big Island during the pandemic, increasing by 26.5 percent from 2019 to 2020, according to statistics from the Hawaii Police Department. That’s a 53 percent increase from 2011, with automobiles accounting for over 92 percent of thefts. The same report shows a decrease of 39 percent in Maui County and almost 41 percent in Kauai County from 2019 to 2020. If you live in an affected area with higher crime rates, comprehensive coverage can help you repair your vehicle or cover its value if it’s not recovered or beyond repair.

Related content:

Ready for your quote?

Answer a few questions to see personalized rates from top carriers in Hawaii

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.

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 $1,652 per year. Minimum coverage averages $415 per year. For comparison, the average rates nationwide are $2,545 and $741, 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 $2,330 per year; its minimum coverage is $498. California’s average premiums are also much higher than Hawaii’s, with full coverage coming in at $2,692 and minimum coverage at $653 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.

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.

Calculate your monthly car insurance payment

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

Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
Caret DownCaret Up
Please select credit score
Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

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

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
Written by
Meaghan Hunt
Contributor, Personal Finance

Meaghan Hunt is a researcher, writer, and editor across disciplines with a passion for personal finance topics. After a decade of working in public libraries, she now writes, edits, and researches as a full-time freelancer.

Edited by Editor II, Insurance