Get Cheap Car Insurance in Hawaii (2022)
GEICO, Tradewind and USAA are the best companies for cheap car insurance in Hawaii, according to QuoteWizard research. All three insurers offer rates that are well below the state average for car insurance, which is $62 per month for minimum coverage and $140 per month for full coverage.
In this article:
Where can I find cheap car insurance in Hawaii?
GEICO offers the cheapest car insurance rates in Hawaii for both minimum-coverage and full-coverage policies, based on our data. Full-coverage car insurance policies usually include liability, collision and comprehensive coverages.
GEICO’s average monthly rate for minimum-coverage car insurance is $24. Its average monthly rate for full-coverage car insurance is $46. Both are far cheaper than the state averages for such policies — $62 and $140, respectively.
Tradewind and USAA also offer cheap auto insurance to Hawaii drivers, as the graphs above and below indicate.
What are the best auto insurance companies in Hawaii?
GEICO offers the best car insurance rates in Hawaii, according to our survey of the state’s auto insurers.
Tradewind is the best local auto insurance company in Hawaii, based on our research. And USAA is the best auto insurer for Hawaii drivers with a DUI on their records.
GEICO: best cheap car insurance rates
GEICO is the best source for cheap auto insurance rates in Hawaii, our data shows, with an average rate of $24 a month for minimum coverage and $46 a month for full coverage.
A minimum-coverage policy from GEICO costs $38 a month less than the Hawaii state average for such policies, which is $62 a month. A full-coverage policy from GEICO costs $94 a month less than the state average of $140 a month.
GEICO also is the best car insurance company for drivers in Hawaii with speeding tickets or accidents on their records.
In fact, the average rate our sample driver with a speeding ticket received from GEICO was the same as the rate our driver with a clean record received — $46 a month.
| Company | Average monthly rate | |||
|---|---|---|---|---|
| Allstate | $194 | |||
| Farmers | $188 | |||
| GEICO | $46 | |||
| Tradewind | $100 | |||
| USAA | $98 | |||
| State average | $157 | |||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
GEICO’s average car insurance rate for a driver with an accident on their record was a bit higher, at $67 a month. Still, this is far below the state average for drivers with an accident on their records, which is $185 a month.
| Company | Average monthly rate | |||
|---|---|---|---|---|
| Allstate | $212 | |||
| Farmers | $246 | |||
| GEICO | $67 | |||
| Tradewind | $123 | |||
| USAA | $115 | |||
| State average | $185 | |||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Tradewind: best local car insurance provider
Tradewind is the best local car insurance company in Hawaii, according to our survey, with an average rate of $43 a month for minimum coverage and $93 a month for full coverage.
Although both amounts are more expensive than GEICO’s average offerings for the same types of car insurance policies, they’re still quite a bit cheaper than the state averages.
For example, Tradewind’s average rate for a minimum-coverage policy is $19 a month less than the state average for such policies. And the company’s average rate for a full-coverage policy is $47 a month less than the state average.
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USAA: best for drivers with a DUI
USAA offers some of the cheapest car insurance rates in Hawaii, though not the absolute cheapest. For minimum-coverage car insurance, USAA’s average rate of $35 a month is second to GEICO’s. USAA’s average rates of $94 a month for full-coverage car insurance is third behind GEICO and Tradewind.
USAA comes in first for cheap car insurance for drivers with a DUI in Hawaii, though. It offered our sample driver with a DUI a full-coverage policy for $189 a month, on average. If that sounds like a lot, consider that the state average rate for car insurance with a DUI on your driving record is $489 — $300 a month more than USAA’s average rate.
| Company | Average monthly rate | |||
|---|---|---|---|---|
| Allstate | $415 | |||
| Farmers | $928 | |||
| GEICO | $319 | |||
| Tradewind | $771 | |||
| USAA | $189 | |||
| State average | $489 | |||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
What are Hawaii’s auto insurance minimum requirements?
Hawaii state minimum liability insurance is 20/40/10. This means Hawaii drivers must have at least the following amounts of liability car insurance:
- $20,000 per person of bodily injury liability coverage
- $40,000 per accident of bodily injury liability coverage
- $10,000 per occurrence of property damage liability coverage
Hawaii insurance law also requires drivers to have at least $10,000 per person of personal injury protection (PIP). This coverage pays for medical and rehabilitative costs.
Hawaii no-fault insurance
Hawaii is a “no-fault” state. This means your car insurance provider pays for injuries to you and your passengers up to your PIP limit after an accident, regardless of who caused it.
No-fault insurance laws only apply to injuries. As such, if you cause an accident, you may still need to pay for damages to other vehicles or property.
Methodology
QuoteWizard conducted a comprehensive study of Hawaii's car insurance rates using Quadrant Information Services. Unless otherwise stated, the quotes analyzed were for a single, 30-year-old male with a clean driving record. He operates a 2012 Honda Accord LX with an average annual mileage of 13,500 miles.
When discussing a full-coverage car insurance policy, the driver had the following limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 collision and comprehensive deductible
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