Updated: November 18, 2024
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The best car insurance in Hawaii varies by your individual needs. MoneyGeek ranked Farmers highest overall and best for minimum coverage. For families with teen drivers, 21st Century is the preferred choice.
For those prioritizing cost, MoneyGeek evaluated the cheapest car insurance in Hawaii.
Best Car InsuranceHawaiiBest Car Insurance in Hawaii
Why Trust MoneyGeek? We created an insurance scoring system for providers in Hawaii based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Hawaii.
Farmers emerges as the top car insurance provider in Hawaii, with an impressive MoneyGeek score of 92 out of 100. The company leads a diverse range, where scores vary significantly — from the highest at 92 to the lowest scored provider at 65. This score span reflects MoneyGeek's baseline scoring system, with each insurer's potential to receive varying scores depending on the policyholder's specific profile and needs.
How does MoneyGeek score companies?
When evaluating insurers, the MoneyGeek scoring system puts significant emphasis on customer satisfaction and affordability. However, a substantial portion of their assessment also encompasses claims experience and offered coverages. These elements collectively shape the overall score, influencing consumers' decisions for the most suitable and cost-effective insurance coverage.
Certain insurers, such as Island Insurance Group, did not meet the criteria for a MoneyGeek score due to incomplete data across all five scoring components. Nevertheless, Island Insurance Group has demonstrated excellence in customer satisfaction, marking it as commendable in this specific area. It's important to note that while these details are insightful, they do not imply a comprehensive evaluation of the insurer's overall performance.
| Farmers | 92 | $663 |
| GEICO | 83 | $601 |
| State Farm | 82 | $795 |
| Progressive | 71 | $1,095 |
| Allstate | 65 | $970 |
| Island Insurance Group | No Data | $871 |
MoneyGeek found that Farmers is the best option in Hawaii for best full coverage car insurance. With the highest MoneyGeek score in the state, Farmers sets the bar for quality and comprehensive coverage.
Farmers distinguishes itself with a MoneyGeek score of 92, a number that reflects the company's exceptional customer satisfaction and a strong balance of affordability and claims handling. This provider stands out not only for its high overall rating but for excelling across all individual score components.
In Hawaii, residents have a variety of insurance companies to choose from, each offering different costs and service experiences. For those seeking to save, MoneyGeek also analyzed the companies that offer the cheapest full coverage car insurance in Hawaii. It's worth noting that shopping around can lead to significant savings, especially when you have insights into where value intersects with quality service.
Ranks 2nd in the state for general customer satisfaction
Ranks 2nd in the state for claims satisfaction
Excellent affordability (2nd out of many), average annual premium of $663
Offers rare coverages like OEM coverage
Does not offer gap insurance
Farmers stands out with its MoneyGeek score of 92. With its satisfaction, affordability, roadside assistance and rental car and/or travel reimbursement, it suits the everyday driver's needs. Additionally, it offers coverages like accident forgiveness and new car replacement. Holding an excellent MoneyGeek satisfaction rating of 32 (out of 35) and affordability rating of 28 (out of 30), Farmers' customers benefit from a superior experience and value. Farmers Insurance also offers OEM coverage, which ensures repairs use original factory parts, It also offers custom parts coverage, which protects aftermarket enhancements and glass deductible modification, which covers glass damage.
MoneyGeek found that Farmers is the best option in Hawaii for quality car insurance customer service. This company stands out from the rest with impressive scores across the board.
Farmers excels in satisfying customers in Hawaii, offering satisfactory claims handling, comprehensive coverage and financial stability. The company not only surpasses others with its high MoneyGeek score but also manages to offer its top-notch service at a more affordable rate than its closest competition, Progressive.
Ranks well in state for general customer satisfaction
Ranks well in state for claims satisfaction
Offers rare OEM and custom parts coverage, ranks 1st for key coverages
Does not offer gap insurance
Farmers excels, havng a satisfaction score of 41 (out of 45) and a perfect coverage score of 20 (out of 20, key elements driving its high MoneyGeek score. The insurer provides rental car and/or travel reimbursement and roadside assistance, bolstering its positive appeal. It also offers new car replacement and accident forgiveness, ensuring comprehensive protection for drivers.
Farmers also features rare coverages that meet various customer needs. Original equipment manufacturer (OEM) coverage is highly beneficial, ensuring that repairs utilize factory-original parts, maintaining the integrity of your vehicle. Custom parts coverage is ideal for those with aftermarket enhancements. Glass deductible modification is another valuable offering, allowing for lower out-of-pocket costs when replacing windows or windshields.
MoneyGeek found that Farmers is the best option in Hawaii for drivers seeking coverage that meets the minimum insurance required by law in Hawaii.
Farmers distinguish itself not just through a high MoneyGeek score, but it also offers comprehensive coverage. Notably, the annual cost for a minimum coverage policy with Farmers is $333, ensuring that drivers fulfill the minimum insurance required by law in Hawaii.
It's important to remember that while many providers in Hawaii offer competitive rates for minimum coverage car insurance, opting for the least coverage might not always be the best choice. The downsides are substantial; in the event of an accident, minimum coverage may not sufficiently cover all expenses, risking out-of-pocket payments for the uninsured losses.
Offers rare discounts like OEM and custom parts coverage
Ranks 2nd for cost, with an average annual premium of $333
Ranks 2nd for customer satisfaction
Ranks 2nd for claims satisfaction
Missing common discounts like bundling, multiple car, safe driving
Farmers stands out with an impressive MoneyGeek score. With an average annual premium of only $333, Farmers ensures that the average driver enjoys substantial coverage without a hefty price tag. Drivers can benefit from discounts on safety features and reasonably rare discounts for loyalty. Farmers shines in offering discounts that cater to diverse customer needs.
Farmers' outstanding MoneyGeek score is further underpinned by high marks in affordability (27 out of 40) and satisfaction (19 out of 25). These scores, along with its top-notch coverage score of 10 (out of 10) and stability score of 3 (out of 5), make it a leading choice for discerning drivers looking for a reliable insurer.
Driver age significantly influences car insurance rates in Hawaii, affecting affordability and available coverages. MoneyGeek found that 21st Century, with a MoneyGeek score of 88, is the best car insurance option for teens at an annual premium of $798. For both young adults and seniors, Farmers takes the lead, scoring 92 on MoneyGeek's scale, offering policies at $663 annually, reflecting its strong satisfaction score.
Best for teens: 21st Century
Best for seniors: Farmers
Best for young adults: Farmers
MoneyGeek found that 21st Century is the best option in Hawaii for car insurance for teens based on their scoring system. This provider outshines others with quality, making it an excellent choice for families seeking to cover teen drivers.
21st Century provides a mix of claims handling, coverage and stability, leading to its top score. It's important to highlight that for teens, the annual cost of joining a family policy with 21st Century is $798, which is significantly lower than obtaining their own separate policy, illustrating how for cheap car insurance for a teen in Hawaii, adding them to an existing family policy is a much more economical option.
The cost to insure a teen driver is considerably higher because they are statistically more likely to be involved in accidents due to their lack of driving experience. Insurers mitigate this risk through higher premiums, making it more costly to add a teen to a car insurance policy.
Offers driver's education and good student discounts
Ranks 2nd in the state for claims satisfaction
Affordability rank is 3rd in the state, less competitive pricing
Lacks the distant student discount
21st Century achieves its impressive MoneyGeek score of 88 (out of 100) chiefly through stellar satisfaction (32 out of 35) and solid claims handling (18 out of 20). For families with teen drivers, 21st Century is particularly appealing, offering both driver's education and good student discounts which underscore its commitment to affordability for younger drivers.
21st Century stands out with its coverage options designed for real-world scenarios. With custom parts coverage, drivers who have invested in aftermarket modifications can rest assured that their enhancements are protected; its 24-hour roadside assistance ensures help is always at hand, whether you need towing, lock-out assistance, or more. For students maintaining good grades, the good student discount provides an incentive for academic achievement, while young drivers completing a driver's education course can also enjoy savings.
MoneyGeek found that Farmers is the best option in Hawaii for seniors. With a top-tier blend of coverage options, it stands out as the prime choice.
Farmers distinguishes itself with the highest overall MoneyGeek score. Although for a senior in Hawaii, a policy with Farmers might cost slightly more, at $663 annually, this premium is a small price to pay for the comprehensive benefits offered. To secure cheap car insurance for a senior in Hawaii, there will be a slight increase in annual cost compared to the rates for those in their 30s to 50s.
In Hawaii, rates for seniors do not necessarily surpass those of middle-aged adults. MoneyGeek bases this on rates for individuals in their 60s, with the acknowledgment that those in their 70s and 80s may encounter higher premiums, reflecting the increased risks associated with aging.
Offers roadside assistance, rental car and travel reimbursement
Ranks 2nd in state for claims satisfaction
Ranks 2nd for affordability, average annual premium $663
Customer satisfaction score of 32, indicating room for improvement
Farmers tops the MoneyGeek score with exceptional marks in coverage (10 out of 10). Farmer's robust scores in affordability (28 out of 30) and claims (19 out of 20) make it a reliable choice for consumers who value service and affordability over additional perks. With an average annual premium of $663, Farmers shows its commitment to competitive pricing, even without offering a senior discount. Farmers, stands out in the insurance market and has a perfect coverage score, suggesting it provides a solid foundation of common protections.
Farmers is the best option in Hawaii for car insurance for young adults, offering the highest MoneyGeek score available:
MoneyGeek's research focused on drivers in their 20s, underscoring that Farmers leads with its optimal blend of affordability and claims handling. With an annual policy cost of $663, obtaining cheap car insurance for a young adult in Hawaii typically means paying more compared to older age groups, but this investment can secure reliable coverage tailored to younger drivers' needs. Young adults often face higher car insurance rates due to their inexperience on the road, which statistically corresponds to higher risk and potential for claims.
Ranks well in state for claims satisfaction (2nd)
Ranks well in state for cost (2nd out of all insurers), average premium $663
Offers good student and distant student discounts
Doesn't excel in customer service (score of 32.19)
Farmers Insurance stands out with a high overall MoneyGeek score of 92 (out of 100). Farmers Insurance provides highly valued car insurance coverage that ensures their customers are well protected. Their coverage score is a perfect 10 (out of 10), indicating that Farmers Insurance offers a broad range of protection. These aspects combined, along with its stability score of 3 (out of 5), solidify Farmers Insurance as a preferred provider for comprehensive and reliable auto insurance.
MoneyGeek found that Farmers is the best option in Hawaii for drivers with driving offenses, boasting the highest MoneyGeek score.
Farmers stands out for affordability, claims handling and coverage options, specifically tailored for drivers with a history of speeding tickets, at-fault accidents and DUIs. The annual cost for a driver with offenses at Farmers is $934, emphasizing that to get cheap car insurance as a high risk driver in Hawaii you will likely pay more compared to those with clean records.
It is generally more expensive to secure car insurance in Hawaii, as well as other states, post-ticket, at-fault accident or DUI because these incidents increase the insurer’s risk of insuring the policyholder, leading to higher premiums to offset the potential cost of future claims.
Ranks well in claims satisfaction as 2nd in state
Cost-effective with 2nd rank in affordability, $934 average annual premium for full coverage with offenses
Offers roadside assistance, rental car/travel reimbursement, accident forgiveness and new car replacement
Customer service could be improved, scoring 32.19
Farmers has an impressive MoneyGeek score of 94. Despite not listing specific coverages, Farmers' strengths are in key areas like value. With an average annual premium of $934, it stands out as a budget-friendly provider for drivers with offenses, reinforced by an affordability score of 30 (out of 30). Farmers' consistent performance across the board, including a perfect coverage score of 10 (out of 10), assures customers of its spot as a top-tier insurance provider.
MoneyGeek found that Farmers is the best option in Hawaii for drivers of new cars looking for car insurance.
Farmers is distinguished by its claims handling score. It's important to consider that MoneyGeek's assessment prioritizes insurers offering new car replacement and/or better car replacement coverages, which are crucial for those with newer vehicles. With an annual cost of $937, opting for Farmers might seem like a more expensive choice initially. However, it can be a financially savvy decision if you get into an accident because without new or better car replacement coverage, drivers are only compensated for the depreciated value of their vehicle.
Ranks well in state for claims satisfaction
Ranks 1st in state for cost; average annual premium $937
Offers new car replacement coverage
Does not excel in customer service
Does not offer gap insurance
Farmers stands out with top marks across affordability, claims handling and coverage, reflecting a strong balance that elevates its MoneyGeek Score to 98 (out of 100). Farmers shines for drivers with new cars by offering new car replacement, an optional add-on, which ensures drivers can get back on the road swiftly with minimal disruption. The company's average annual premium is $937 and the affordability score of 30 (out of 30) make Farmers a good choice.
MoneyGeek found that Farmers is the best option in Hawaii for car insurance tailored to military service members and their needs.
While USAA often stands out as a dedicated insurer for military members, it is important to note that, according to MoneyGeek's comprehensive scoring system, USAA was not the top company.
Farmers has distinguished itself by achieving high scores across various metrics, particularly in claims handling and satisfaction. The combination of these factors underscores Farmers' superiority in the Hawaiian car insurance market for military personnel. Those who prioritize cost may also wish to explore the cheapest car insurance in Hawaii for military drivers.
Ranks well in state for general customer satisfaction
Ranks well in state for claims satisfaction
Offers rare OEM coverage and common roadside assistance
Ranks first in state for key coverages
Ranks 3rd in state for cost; average annual premium is $663
Does not offer gap insurance
Farmers leads with an exceptional MoneyGeek Score, largely bolstered by top ratings in satisfaction (32 out of 35) and affordability (28 out of 30). Farmers cater to a wide customer base and offers robust options to enhance your protection on the road. Collision and comprehensive are essential for safeguarding against a variety of incidents, from accidents to theft. Farmers strong scores in claims handling (19 out of 20) and coverage options (10 out of 10) further underscore the insurer's commitment to comprehensive client care.
In Hawaii, the apex of car insurance is epitomized by providers who offer a rare blend of affordability, robust financial health, and a consistent history of exemplary service. MoneyGeek's extensive research serves to guide you, when making informed choices. However, should you wish to explore options yourself, there are a minimum of four vital steps to find a policy that suits you.
Customer service is a cornerstone for car insurers in Hawaii, ensuring that policyholders receive prompt and fair support when needed. Prospective customers are encouraged to consult independent data providers like JD Power and the NAIC for comprehensive insights into a company's performance. According to MoneyGeek's research, Farmers stands out with a customer satisfaction score of 41 (out of 45) and a claims handling score of 28 (out of 30), reflecting their commitment to excellent service.
Comparing quotes is a strategic way to save on car insurance in Hawaii without compromising on service quality. Personal research is essential to uncover the most cost-effective options tailored to individual circumstances. MoneyGeek's analysis identifies Farmers as the top choice for minimum coverage, offering an annual premium of $333. This demonstrates the potential for significant savings while maintaining reliable insurance protection.
The range of coverages offered by car insurers is crucial to meeting the diverse needs of drivers. It is advisable for individuals to research and identify insurers that provide coverages aligning with their requirements. MoneyGeek's data reveals that Allstate, Progressive and Farmers all achieve a perfect coverage score of 10, indicating the availability of key coverages such as rental car and/or travel reimbursement and OEM coverage.
Financial stability is a critical factor when selecting a car insurer, as it reflects the company's ability to fulfill claims. It is prudent for consumers to investigate insurers with strong financial stability ratings. According to MoneyGeek, both State Farm and GEICO have earned a perfect stability score of 5, the highest possible, indicating an A++ rating from A.M. Best and affirming their exceptional financial strength and low risk of default.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
For those seeking the best for cheap car insurance in Hawaii, Farmers stands out with an annual premium for a minimum coverage policy at $333 and a MoneyGeek score of 78. While minimum coverage policies are cost-effective, they may not provide comprehensive protection. Consumers can find affordable full coverage options by comparing quotes.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
