The best, cheapest car insurance in Hawaii

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Best car insurance company in Hawaii

Drivers in Hawaii pay an average of $1,517 a year or $126 a month for car insurance coverage which makes it the 44^th most expensive state in the country.

Even though car insurance is pretty expensive in Hawaii, it’s possible to find affordable coverage with top insurers such as GEICO, Progressive, Farmers, and other insurers.

GEICO is our choice for the best car insurance in Hawaii. It finished first in our rankings with 4.55 out of 5 stars and an average premium of $1,184 a year, or $99 a month, which is $333 less than the state average.

Progressive was second with a score of 4.26 stars followed by State Farm with 3.88 stars.

The best car insurance companies in Hawaii

How we picked the top auto insurance companies

When choosing the top car insurance companies in the state, we not only looked at the average cost of coverage but also J.D. Power customer satisfaction scores, AM Best financial strength ratings and National Association of Insurance Commissioners (NAIC) complaint rankings. National averages were used where state and regional data was not available.

For each of the four metrics, we gave companies in each state from 1 to 5 (5 being the best) based on how they performed in each category. Those components were then given the following weights, to arrive at an overall star rating.

• Premiums: 25%
• JD Power: 30%
• AM Best: 25%
• NAIC: 20%

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Cheapest car insurance in Hawaii

GEICO has the cheapest average rate in the state at $1,184 a year.

While GEICO is the cheapest for many drivers, the perfect insurer for you may be a different company.

Insurers consider a wide variety of factors when setting a premium including your driving record, credit score, age, marital status as well the vehicle. Where you live also affects rates.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Chong Gao, director of product management R&D at Mercury Insurance. “Florida, for example, is prone to extreme weather like hurricanes and its car insurance costs are consequently much higher.”

Insurance companies crunch all this data with proprietary algorithms, which can result in dramatic differences in premium quotes.

The data clearly shows the range of premiums for similar drivers.

In Hawaii, as mentioned earlier, the cheapest policy is GEICO with an average rate of $1,184 a year. Progressive follows with an average premium of $1,279 a year or $107 a month and Farmers with premiums of $1,495 a year or $125 a month.

State Farm is the most expensive insurer with an average premium of $1,938.

Make sure you’re taking advantage of all the discounts you qualify for to ensure you’re getting the best possible rate. Ask your agent to review your policy for any available savings you might be missing.

Below are the cheapest car insurance rates by state. To calculate these rates, we used data for a 40-year-old driver of a 2023 Honda Accord LX – one of the most commonly insured vehicles – to provide a consistent and realistic comparison across states.

Cheapest full-coverage insurance in Hawaii

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Full coverage car insurance in Hawaii

As noted, the rates above are for full coverage car insurance. Full coverage car insurance simply means you are carrying liability and any other state requirements as well as collision and comprehensive.

Full coverage insurance includes collision and comprehensive, which protects your own vehicle. Collision insurance will pay to repair your vehicle when it is damaged after colliding with another vehicle or object. Comprehensive covers damage that is done by perils such as fire, theft, flooding, vandalism, and more.

Shopping for car insurance in Hawaii

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance. Experts often tell consumers to shop for insurance yearly. But that doesn’t necessarily mean you should be looking to switch.

“I recommend that people stay with the same insurance company, as they tend to get a better rate when they have been with the same carrier for more than 12 months. The more tenure you have with a carrier, the more potential there is to earn benefits,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. “The carrier can also review your claims history and provide information about applicable discounts.”

But make sure you are comparing like coverage levels and deductibles.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” Bottini says. However, if a person has low limits, say 25/50/25 – limit per person/per occurrence/limit for property damage – he will recommend higher coverage.

“Depending on their age/income and profession,” he says, “I would quote higher limits to protect their net worth and earnings potential.”

Bottini also says people can save money on their car insurance by keeping their credit score up, following the speed limit and placing both home and auto insurance with the same carrier.

Cheapest car insurance in Hawaii by age

Car insurance rates will vary by age as reams of statistics show that teen and young adult drivers, because they are inexperienced on the road, take bigger risks and are more likely to get in anaccident and file a claim, which is why they pay more for coverage than older more experienced drivers.

GEICO turned out to be the best insurer in Hawaii for drivers of all ages. The numbers show the difference between young and old drivers with the lowest premium for a teen coming in at 91% more than the lowest premium for a senior driver.

Once a driver hits 25, rates will start to drop, assuming they keep their driving record clean, and will stay stable until their 70s when they will start climbing a bit.

Cheapest car insurance for senior drivers in Hawaii

According to our data, senior drivers pay roughly 31% more than middle-aged drivers.

Seniors tend to pay slightly higher car insurance rates than younger drivers. In Hawaii, the cheapest insurance company for senior drivers is GEICO at $1,184 a year or $99 a month. Progressive grabbed the second-place spot with premiums running $1,279 annually or $107 a month, Farmers was third at $1,495.

Seniors pay higher rates thanks to age-related issues. They often suffer from vision and hearing issues as well as slowing reflexes and medical issues. This all leads to more accidents and claims, which pushes up the cost to insure seniors.

The chart below shows the average premium for senior drivers.

Average rates for seniors in Hawaii

Car insurance for young drivers in Hawaii

While rates start to drop for teen drivers as they become young adults, they still pay slightly higher rates than more experienced drivers. According to our data, GEICO is the cheapest insurer for drivers in their early 20s with an average premium of $1,214 a year or $101 per month.

Progressive was the second cheapest insurer at $1,279 and Farmers will insure a young driver in Hawaii for $1,495 a year.

Rates will continue to drop (assuming a clean driving record) as drivers hit their late 20s and move into their 30s.

The chart below shows the average premiums for young drivers.

Average rates for young drivers in Hawaii

Car insurance for teen drivers in Hawaii

Insuring a teen is always expensive; statistics show that inexperienced teen drivers get into more accidents and file more claims than more experienced drivers. In Hawaii, the best insurer for teen drivers is GEICO with an annual premium of $1,332 or $111 a month. Farmers was second most affordable at $1,495 a year or $125 monthly while Progressive was number three at $1,744.

While teens are expensive to insure, there are a few ways to save some money. Most insurers offer a good student discount so if your teen is carrying a B average or above you should ask for a discount. Putting them in an older vehicle will also lower your insurance costs.

The chart below shows average premiums for teens.

Average rates for teens in Hawaii

Average cost of car insurance in Hawaii

The average cost of car insurance in Hawaii is $1,517, which makes it the 44^th most expensive state in the country behind Louisiana and Florida.

Metropolitan areas – and all states have them – equals lots of drivers, which often leads to car crashes and claims.

“States with a higher population density have more cars on the road and thus more accidents and claims, increasing insurance rates. A more rural state like Iowa will have significantly lower average yearly car insurance costs compared to a highly metropolitan state like Hawaii,” says Gao.

Below are the cheapest car insurance rates by state. To calculate these rates, we used data for a 40-year-old driver of a 2023 Honda Accord LX – one of the most commonly insured vehicles – to provide a consistent and realistic comparison across states.

Average rates for a 40-year-old in Idaho

Which Hawaii ZIP codes are the most expensive for car insurance?

Insurers consider the ZIP code where your car is parked when setting a premium. High crime rates or frequent severe weather will result in a higher premium.

According to our analysis, the following ZIP codes are the most expensive in Hawaii for car insurance. Waikoloa Village tops the charts at $1,630 a year.

Here are the most expensive ZIP codes in Hawaii for car insurance:

Most expensive ZIP codes in Hawaii

Which Hawaii ZIP codes are the cheapest for car insurance?

When it comes to cheap car insurance in Hawaii, these ZIP codes have the most affordable coverage. The area around Anahola has the lowest premiums in Hawaii with an average premium of $1,347.

Least expensive ZIP codes in Hawaii

Cheapest car insurance for high-risk drivers in Hawaii

Drivers with a speeding ticket, DUI or at-fault accident on their record are often considered high-risk drivers and end up paying more for coverage. The increase can range from reasonable for a speeding ticket to a big leap in costs for a DUI.

The data showed that a speeding ticket will result in a 58% increase, pushing the average rate to $2,070. Speeding tickets will typically impact your premium for at least three years.

An at-fault accident will raise your rates by 56% to an average of $2,038. A DUI will result in the biggest increase, sending your premium up 319% to an average of $5,487.

The table below shows the average increase for drivers with an incident on their record:

How much rates increase in Hawaii after a traffic incident

Minimum car insurance requirements in Hawaii

Most states require all drivers to carry a minimum amount of liability coverage to drive legally. Hawaii requires drivers to carry 20/40/10 in liability coverage, which translates into:

• $20k for bodily injury and $50,000 for death for a person involved in an accident
• $40k for bodily injury and $100,000 for death for two or more people in an accident
• $10k for property damage for a single accident

These required minimums are fairly average when compared to other states. However, these minimums are rarely enough coverage if you are involved in a serious accident. Once your coverage levels are exceeded, you will be on the hook for any remaining damage.

Experts typically recommend carrying 100/300/50 as a minimum liability coverage level.

What our expert says

Q: How does a state’s population affect car insurance rates?

Chong GaoDirector of product management R&D at Mercury Insurance.

“States with a higher population density have more cars on the road and thus more accidents and claims, increasing insurance rates. A more rural state like Iowa will have significantly lower average yearly car insurance costs compared to a highly metropolitan state like Hawaii.”

Mark Vallet

Contributing Researcher

 

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Mark Vallet is a Denver-based insurance expert and journalist with 18 years of experience covering the car insurance industry. He specializes in breaking down complex insurance topics into clear, expert-backed insights that help drivers make smarter insurance coverage decisions.

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