Key Takeaways
- GEICO has the cheapest average car insurance rates for most drivers in Hawaii.
- The average cost of car insurance in Hawaii is much lower than the national average.
- While USAA offers Hawaii's lowest premiums overall, it only provides insurance to military members and their families.
In this article
The cheapest car insurance companies in Hawaii
Cheapest overall: GEICO
Best local insurer: Island
GEICO has the cheapest rates for both minimum- and full-coverage car insurance in Hawaii. Its average monthly rate for minimum coverage is $35, and $71 for full coverage. To compare, the average monthly rate for minimum coverage in Hawaii is $60, and the state's average full-coverage rate is $138.
Island is both the second-cheapest car insurance provider in Hawaii and the best choice for drivers looking for a local provider. Providing insurance for over 80 years, Island is Hawaii's only local property and casualty insurer. A.M. Best gives Island a rating of A (Excellent) for financial strength and stability. Its average minimum-coverage auto insurance rate is $43 a month.
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Hawaii's minimum car insurance limits
Hawaii state law requires drivers to carry the following minimum-coverage car insurance limits:
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $20,000 per person; $40,000 per accident |
| Property damage liability | $10,000 |
| Personal injury protection (PIP) | $10,000 |
| Source: Hawaii Department of Commerce and Consumer Affairs | |
These limits fulfill legal requirements, but they probably won't be enough if you're involved in a major accident. Court costs from a long legal battle or medical bills from a long hospital stay can easily surpass these limits. Once your limits are met, any costs related to the accident come out of your own pocket. To avoid this, we recommend raising your limits to:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Cheapest minimum-coverage auto insurance rates in Hawaii: GEICO
GEICO has the cheapest average minimum-coverage car insurance rate in Hawaii, at $35 a month. That's 42% cheaper than Hawaii's average rate of $60 a month. Minimum-coverage car insurance covers repair and medical expenses of others if you're responsible for an accident.
| Company | Average monthly rate |
|---|---|
| GEICO | $35 |
| Island | $43 |
| Allstate | $66 |
| State Farm | $126 |
| USAA | $33 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
Cheapest full-coverage auto insurance rates in Hawaii: GEICO
GEICO has the cheapest rates for full-coverage car insurance in Hawaii, at an average $71 a month. Island has the second-cheapest full coverage rate, $92 a month.
| Company | Average monthly rate |
|---|---|
| GEICO | $71 |
| Island | $92 |
| Allstate | $143 |
| State Farm | $294 |
| USAA | $91 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Full-coverage car insurance takes care of your own car repairs and medical expenses in addition to meeting state minimum requirements. Minimum coverage only takes care of the expenses of others.
Cheapest car insurance for drivers with prior incidents
A speeding ticket, accident or DUI often causes your car insurance rate to increase. Here's a breakdown of the car insurance companies with the cheapest rates after specific incidents.
Cheapest for drivers with a speeding ticket: GEICO
If you have a speeding ticket on your driving record in Hawaii, you'll find the cheapest car insurance with GEICO, at an average $71 a month. Island has the second-cheapest average rate, $100 a month.
| Company | Average monthly rate |
|---|---|
| GEICO | $71 |
| Island | $100 |
| Allstate | $205 |
| State Farm | $325 |
| USAA | $96 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: GEICO
If you have an accident on your insurance record, GEICO has the cheapest average car insurance rate of $104 a month. Island carries the second-cheapest rate, $122 a month.
| Company | Average monthly rate |
|---|---|
| GEICO | $104 |
| Island | $122 |
| Allstate | $224 |
| State Farm | $355 |
| USAA | $112 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
An accident usually stays on your insurance record for three to five years, and typically results in an increase to your premium. If you file another claim, your premium will likely go up even more.
Cheapest for drivers with a DUI: State Farm
After a DUI in Hawaii, State Farm has the cheapest car insurance rates for drivers, at an average $325 a month.
| Company | Average monthly rate |
|---|---|
| State Farm | $325 |
| Allstate | $441 |
| GEICO | $505 |
| Island | $767 |
| USAA | $185 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
If you are caught driving in Hawaii with a blood alcohol content (BAC) of 0.08% or higher, you may be convicted of driving under the influence (DUI). On top of higher rates, a first-offense DUI in Hawaii also carries a one-year license revocation, a 14-hour rehabilitation program and any of the following:
- $250 to $1,000 in fines
- 72 hours community service
- Two to five days in jail
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Cheapest car insurance for senior drivers: GEICO
If you're a senior driver in Hawaii, you can find the cheapest car insurance from GEICO, which charges an average rate of $71 a month. Your next-cheapest option is Island, at $92 a month.
| Company | Average monthly rate |
|---|---|
| GEICO | $71 |
| Island | $92 |
| Allstate | $143 |
| State Farm | $294 |
| USAA | $91 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
Senior drivers tend to pay higher car insurance rates than younger drivers. This is mostly due to higher risk as a result of response-time loss that typically happens with age. However, seniors with clean driving records still pay lower premiums than teen drivers.
Cheapest car insurance for young drivers: GEICO
GEICO has the cheapest car insurance for teens looking for either liability or full-coverage car insurance in Hawaii. GEICO'S average minimum-coverage rate for teens is $39 a month, and its average rate for full coverage is $80 a month.
| Company | Minimum coverage | Full coverage |
|---|---|---|
| GEICO | $39 | $80 |
| Island | $43 | $92 |
| Allstate | $66 | $143 |
| State Farm | $126 | $294 |
| USAA | $33 | $91 |
| Average monthly rates are for an 18-year-old male with a clean driving record. | ||
Due to their inexperience driving, teens usually pay the highest rates for auto insurance to offset the risk to insurers. However, we found that teens on a parent's insurance policy pay 48% less for car insurance. If you have a teen driver in your household, adding them to your car insurance will still raise your premium, but it's usually cheaper than if you each have separate policies.
Cheapest car insurance for married drivers: GEICO
Married drivers in Hawaii pay the lowest car insurance rates with GEICO, at an average $71 a month. Car insurance companies sometimes view married drivers as a lower claim risk and give them cheaper rates as a result.
| Company | Average monthly rate | |
|---|---|---|
| GEICO | $71 | |
| Island | $92 | |
| Allstate | $143 | |
| State Farm | $294 | |
| USAA | $91 | |
| Average monthly rates are for an 18-year-old male with a clean driving record. | ||
Frequently asked questions
How much is car insurance in Hawaii?
The average cost of minimum-coverage car insurance in Hawaii is $60 a month. Full-coverage car insurance costs an average of $138 a month.
Who has the cheapest car insurance in Hawaii?
GEICO has the lowest car insurance rates for all age brackets in Hawaii, regardless of insurance history. State Farm has the cheapest rates for drivers with a DUI.
What are Hawaii's car insurance requirements?
Hawaii law requires that drivers registered in the state carry the following car insurance minimum limits:
- Bodily injury per person: $20,000 for bodily injury
- Bodily injury per accident: $40,000 for bodily injury
- Property damage: $10,000
- Personal injury protection: $10,000
Methodology
The rates in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers across Hawaii.
Unless otherwise noted, our sample driver is a single 35-year-old male with good credit. All sample drivers own a 2012 Honda Accord LX that they drive an average 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies that meet the minimum liability limits required by the state.
Full coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
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