GEICO offers the cheapest car insurance in Hawaii for both minimum and full coverage. GEICO’s average rate for minimum-coverage car insurance in Hawaii is $47 a month, while its average rate for full-coverage car insurance is $51 a month.
GEICO also is the cheapest car insurance company in Hawaii if you have an accident or a speeding ticket on your record, or if you’re a teen or a senior. State Farm has the cheapest car insurance rates for Hawaii drivers with a DUI.
In this article
Cheapest car insurance in Hawaii: GEICO
GEICO has the cheapest car insurance rates in Hawaii if all you want is the minimum amount of coverage the state requires. Its average rate for minimum car insurance in Hawaii is $564 a year, or $47 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $1,413 | $118 |
| GEICO | $564 | $47 |
| State Farm | $3,121 | $260 |
| Tradewind | $995 | $83 |
| USAA | $1,043 | $87 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
A minimum-coverage car insurance policy includes at least bodily injury and property damage liability coverage. In Hawaii, it also includes personal injury protection, otherwise known as PIP.
Cheapest full-coverage car insurance in Hawaii: GEICO
GEICO is the cheapest car insurance company in Hawaii for a full-coverage policy, too, with an average rate of $610 a year or $51 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $1,610 | $134 |
| GEICO | $610 | $51 |
| State Farm | $3,422 | $285 |
| Tradewind | $1,113 | $93 |
| USAA | $1,123 | $94 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
A full-coverage car insurance policy often includes liability, collision and comprehensive coverages. No state law requires full-coverage car insurance, but you still may need to buy it if you financed or leased your vehicle. Even if it’s not required, consider getting full coverage if you have a new or expensive vehicle.
Cheapest car insurance for drivers with an accident history in Hawaii
To find cheap car insurance in Hawaii with an accident on your driving record, get a quote from GEICO. Its average rate for Hawaiian drivers with an accident history is $894 a year or $74 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $2,520 | $210 |
| GEICO | $894 | $74 |
| State Farm | $4,134 | $344 |
| Tradewind | $1,475 | $123 |
| USAA | $1,375 | $115 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Drivers with accidents typically pay higher car insurance rates than drivers with clean records, mainly because insurers think they’ll be involved in more incidents down the road.
Cheapest car insurance for drivers with a DUI in Hawaii
State Farm offers the cheapest car insurance in Hawaii for most drivers who have a DUI on their records, with an average rate of $3,777 a year or $315 a month.
If you’re a current or former member of the military, or an eligible family member of one, though, USAA may be your best option for cheap car insurance. Its average rate after a DUI is $2,264 a year or $189 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $4,953 | $413 |
| GEICO | $4,286 | $357 |
| State Farm | $3,777 | $315 |
| Tradewind | $9,252 | $771 |
| USAA | $2,264 | $189 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
The average cost of car insurance in Hawaii for drivers with a DUI is $409 a month. That’s almost $100 more than State Farm’s average monthly rate in this situation.
Cheapest car insurance for drivers with a speeding ticket in Hawaii
Hawaiian drivers looking for cheap car insurance with a speeding ticket on their records should make sure they get a quote from GEICO while shopping for coverage. GEICO’s average rate of $610 a year or $51 a month is the cheapest in the state for drivers with a ticket.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $2,311 | $193 |
| GEICO | $610 | $51 |
| State Farm | $3,777 | $315 |
| Tradewind | $1,204 | $100 |
| USAA | $1,176 | $98 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for teen drivers in Hawaii
GEICO has the cheapest car insurance in Hawaii for teen drivers, with an average rate of $635 a year or $53 a month. If you’d prefer to buy coverage from a local company, Tradewind also offers cheap car insurance to Hawaiian teens at an average rate of $995 a year or $83 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $1,413 | $118 |
| GEICO | $635 | $53 |
| State Farm | $3,121 | $260 |
| Tradewind | $995 | $83 |
| USAA | $1,043 | $87 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Teen drivers usually pay more for car insurance than older drivers. This is because insurance providers see teens as riskier to cover due to their lack of experience behind the wheel.
Cheapest full-coverage car insurance for teen drivers in Hawaii
Teen drivers who want cheap full-coverage car insurance in Hawaii should get a quote from GEICO, as our research found its average rate to be $688 a year or $57 a month. Tradewind and USAA also provide affordable car insurance rates to Hawaiian teens who want full-coverage policies.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $1,610 | $134 |
| GEICO | $688 | $57 |
| State Farm | $3,422 | $285 |
| Tradewind | $1,113 | $93 |
| USAA | $1,123 | $94 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for teen drivers with an accident history in Hawaii
GEICO offers the cheapest car insurance rates in Hawaii for teens with an accident on their driving records at an average rate of $894 a year or $74 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $2,520 | $210 |
| GEICO | $894 | $74 |
| State Farm | $4,134 | $344 |
| Tradewind | $1,475 | $123 |
| USAA | $1,375 | $115 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for teen drivers with a DUI in Hawaii
State Farm has the cheapest car insurance rates for most Hawaii teens after a DUI, with an average rate of $3,777 a year or $315 a month. If you’re eligible, you may find even cheaper car insurance after a DUI from USAA, which offers an average rate of $2,264 a year or $189 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $4,953 | $413 |
| GEICO | $4,286 | $357 |
| State Farm | $3,777 | $315 |
| Tradewind | $9,252 | $771 |
| USAA | $2,264 | $189 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for teen drivers with a speeding ticket in Hawaii
GEICO is the best company for cheap car insurance in Hawaii if you’re a teen with a speeding ticket on your record at an average rate of $688 a year or $57 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $2,311 | $193 |
| GEICO | $688 | $57 |
| State Farm | $3,777 | $315 |
| Tradewind | $1,204 | $100 |
| USAA | $1,176 | $98 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for seniors in Hawaii
GEICO has the cheapest car insurance for senior drivers in Hawaii, with an average rate of $564 a year or $47 a month for a minimum-coverage policy. Compare quotes from Tradewind, too, if you’d prefer a local company, or USAA if you qualify. Both also provide affordable car insurance rates to Hawaii seniors, according to our research.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $1,413 | $118 |
| GEICO | $564 | $47 |
| State Farm | $3,121 | $260 |
| Tradewind | $995 | $83 |
| USAA | $1,043 | $87 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Seniors tend to pay lower car insurance rates than younger drivers because of their experience on the road. Still, what you pay for car insurance as a senior driver is based on more than just your age. It is also based on your driving history. If you have incidents like speeding tickets, accidents and DUIs on your record, you’ll pay more for car insurance than you would otherwise.
Cheapest full-coverage car insurance for seniors in Hawaii
GEICO offers the cheapest car insurance to Hawaiian seniors who want full-coverage policies, too, with an average rate of $610 a year or $51 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $1,610 | $134 |
| GEICO | $610 | $51 |
| State Farm | $3,422 | $285 |
| Tradewind | $1,113 | $93 |
| USAA | $1,123 | $94 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for seniors with an accident history in Hawaii
If you want cheap car insurance in Hawaii and you’re a senior driver with an accident on your record, get a quote from GEICO. GEICO’s average rate is $894 a year or $74 a month for Hawaiian drivers who fit this description.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $2,520 | $210 |
| GEICO | $894 | $74 |
| State Farm | $4,134 | $344 |
| Tradewind | $1,475 | $123 |
| USAA | $1,375 | $115 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for seniors with a DUI in Hawaii
State Farm and USAA have the cheapest car insurance rates for senior drivers in Hawaii after a DUI, with State Farm’s average rate being $3,777 a year or $315 a month. USAA’s average rate for Hawaiian seniors after a DUI is even cheaper at $2,264 a year and $189 a month, but not everyone can buy coverage from USAA.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $4,953 | $413 |
| GEICO | $4,286 | $357 |
| State Farm | $3,777 | $315 |
| Tradewind | $9,252 | $771 |
| USAA | $2,264 | $189 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for seniors with a speeding ticket in Hawaii
GEICO offers the cheapest car insurance for seniors in Hawaii who have a speeding ticket on their records, with an average rate of $610 a year or $51 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $2,311 | $193 |
| GEICO | $610 | $51 |
| State Farm | $3,777 | $315 |
| Tradewind | $1,204 | $100 |
| USAA | $1,176 | $98 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Average car insurance cost in Hawaii by city
Drivers in Kahului and Kihei pay the lowest car insurance rates of those living in Hawaii’s largest cities at an average of $1,408 a year or $117 a month.
That said, car insurance rates are remarkably consistent across Hawaii’s largest cities. Drivers in Hilo and Kailua-Kona pay the highest car insurance rates in the state, at an average of $1,493 a year or $124 a month, but even that’s just a few dollars more a month than what the cheapest cities pay.
| Company | Annual rate |
|---|---|
| Hilo | $1,493 |
| Honolulu | $1,423 |
| Kahului | $1,408 |
| Kailua-Kona | $1,493 |
| Kihei | $1,408 |
| Mililani Town | $1,421 |
| Pearl City | $1,421 |
| Waipahu | $1,430 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Many factors determine how much you pay for car insurance, with one factor being where you live. This is because insurance companies consider an area’s crime rate, traffic and accident frequency when calculating rates.
Hawaii car insurance laws
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.
Frequently asked questions about Hawaii car insurance
How much is car insurance in Hawaii?
The average cost of car insurance in Hawaii is $1,427 a year, or $119 a month, for a minimum-coverage policy. The average cost of full-coverage car insurance in Hawaii is $1,576 a year, or $131 a month.
Where can I get cheap car insurance in Hawaii?
The best company for cheap car insurance in Hawaii is GEICO, according to our survey of the state’s providers. GEICO offers minimum-coverage car insurance to Hawaiian drivers for $564 a year, on average, and full-coverage car insurance for $610 a year.
Is Hawaii a no-fault state?
Yes, Hawaii is a no-fault state. This means your car insurance provider pays for injuries to you and your passengers up to your policy’s 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 car insurance rates using Quadrant Information Services. Unless otherwise stated, the quotes analyzed in this article are for a single, 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives it an average of 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Hawaii’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
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