Cheapest Car Insurance in Hawaii

For Hawaii drivers, GEICO offers the most affordable minimum coverage at just $23 per month, totaling $275 annually. This rate is $100 less than the state's average cost for similar coverage. These figures are based on data from Quadrant Information Services, reflecting the cheapest options available in Hawaii as of December 2024. Read our research methodology to learn about how we found the cheapest Hawaii car insurance.

GEICO is the cheapest car insurance company for most drivers in Hawaii, with an average monthly cost of $39 for both state minimum and full coverage. This rate is much lower than the Hawaii average of $52. Other affordable options include Farmers, Island Insurance Group, State Farm, and Allstate.

*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

GEICO is the most affordable car insurance provider for many drivers in Hawaii, offering the cheapest rates for both minimum and full coverage. However, your rate depends on your personal background. The table highlights the most affordable car insurance rates for various driving profiles.

Read More: Cheapest Car Insurance

In Hawaii, GEICO offers the cheapest rate for cheap minimum liability coverage, with Island Insurance Group, Farmers, and State Farm also providing affordable options for Hawaii drivers. Check out the table below to explore rates from similar companies and see how they stack up against the monthly state average.

GEICO is the cheapest provider for full coverage auto insurance in Hawaii, with rates averaging $56 per month or $669 per year. This is $16 less than the state's average cost. Check the table below for more provider options.

In Hawaii, young adult drivers fare best with GEICO, often the most affordable choice. A standard minimum coverage policy with GEICO costs just $23 per month for 25-year-old drivers.

*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.

For affordable auto insurance in Hawaii, GEICO offers the cheapest rates for young drivers, with minimum coverage starting at $23 per month. For full coverage, it's $56. If you have a DUI, State Farm offers a $34 monthly rate. Your premium may vary, but these companies are a great starting point.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers in Hawaii can find the lowest rates with GEICO, averaging $23 per month for minimum coverage.

*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.

Seniors in Hawaii can find affordable rates with GEICO for minimum and full coverage, as well as for drivers with accidents or speeding tickets. State Farm offers competitive rates for those with a DUI. Quotes may vary, but the table below can guide your car insurance shopping.

Read More: Cheapest Car Insurance for Seniors

Hawaii drivers with a DUI, at-fault accident, or speeding ticket are considered high-risk to insurers and pay more for car insurance on average compared to those with a clean record. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for drivers with a DUI, at-fault accident, and speeding ticket.

State Farm offers the best rates for Hawaii drivers with DUIs, averaging $34 per month ($413 per year) for minimum coverage insurance. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Hawaii.

We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $35 per month ($420 per year), GEICO is the cheapest company for drivers after an at-fault accident. The table below shows other insurers offering affordable coverage for drivers with accidents. Rates are for a minimum coverage policy.

*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

GEICO offers the cheapest insurance for drivers in Hawaii with a speeding ticket, at just $23 per month or $275 per year. See the table below to compare providers offering minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Your location plays a big role in your car insurance rates. Even in the same state, cities can have different rates because of things like how many people live there, flood risks, and crime.

For example, GEICO offers state minimum coverage in Honolulu for just $27 a month. Check the table below to see the cheapest insurance in your city and their lowest average monthly rate.

*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

For affordable bundle home and auto insurance in Hawaii, State Farm offers a premium at $1,264. Check the table below for more cheap options.

*Rates are for a 40 year old driver with good credit and no driving violations

The monthly average cost of car insurance in Hawaii is $72 for full coverage and $31 for state minimum coverage. Knowing these averages helps you spot a good deal on your car insurance.

Hawaii's auto insurance rates change by city. See this table for average minimum and full coverage costs in different locations:

Hawaii ranks as the 5th most affordable state for minimum coverage auto insurance. While car insurance is expensive in Hawaii, it's not due to high population density or frequent natural disasters, but vehicle theft rates could be a contributing factor.

Hawaii law requires all drivers to carry car insurance policies with minimum coverage limits. These include $20,000 for bodily injury per person, $40,000 per accident, and $10,000 for property damage. Personal Injury Protection (PIP) is also mandatory, with a minimum limit of $10,000 per person. These values represent the least amount you must have to drive legally in the Aloha State.

If you finance or lease your car, you will likely have to buy comprehensive and collision insurance in addition to the minimum liability coverages. While a minimum liability auto insurance policy is the least expensive option, it offers the lowest amount of financial protection. Experts recommend driving with full coverage insurance, choosing the highest deductible and liability limits you can afford for greater peace of mind on the roads.

Drivers with serious traffic violations, like speeding or drunk driving, may need to file for SR-22 insurance, which can increase your premium. In Hawaii, either you or your insurance company files the SR-22. It's valid for 3 years from your most recent DUI offense. Your insurer will notify the state if it's canceled.

Surety bonds are the most common car insurance alternative in Hawaii. They work by providing a financial guarantee that you can cover damages in case of an accident, meeting the state's minimum coverage requirements.

For business owners, self-insurance or fleet insurance are viable options. Self-insurance allows you to cover your own claims, while fleet insurance offers coverage for multiple vehicles under one policy, potentially saving costs.

MoneyGeek recommends that drivers get full coverage car insurance for complete protection. This includes liability, collision, and comprehensive coverage. Here are the suggested liability limits for your policy:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for damage to your car from non-collision events like theft, vandalism, or natural disasters. Collision coverage, on the other hand, takes care of damages from accidents on the road.

If your car is valuable, consider getting both comprehensive and collision insurance. While it's not a legal requirement, it ensures your investment is protected. Choose a deductible for these coverages that you're comfortable paying out of pocket, as this amount must be paid before your insurance covers the remaining costs.

GEICO offers Hawaii's cheapest car insurance for full coverage at $56 and minimum coverage at $23. Cheap rates are tempting, but remember, the cheapest isn't always the best choice for car insurance. Experts say to buy as much coverage as you can afford for the safest driving.

MoneyGeek answers commonly asked questions about the cheapest car insurance in Hawaii to ensure you get the right coverage for your situation.

MoneyGeek obtained Hawaii auto insurance rates from the Hawaii Department of Insurance and Quadrant Information Services. We examined 5918 auto insurance quotes from 7 providers across 20 ZIP codes to determine the most affordable car insurance companies in Hawaii.

Hawaii Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Hawaii:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Hawaii

We compared car insurance companies in Hawaii that offer both minimum and full coverage policies. The minimum coverage liability limits in Hawaii are:

• $20,000 for bodily injury liability per person
• $40,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident
• $10,000 personal injury protection (PIP) per person

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in Hawaii

MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible