The best and cheapest car insurance in Hawaii

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

According to our analysis, GEICO is the top car insurance provider in Hawaii, earning 4.44 out of 5 stars for its combination of affordability, customer satisfaction and financial stability. Its average premium of $1,296 per year is 461 less than the statewide average.

Drivers in Hawaii spend an average of $1,757 annually, or $146 monthly, on car insurance.

Progressive finished second with 4.14 stars, followed closely by State Farm at 3.71 stars.

The table below shows the best car insurance companies in Hawaii.

How we picked the top auto insurance companies

When selecting the top car insurance companies in Hawaii, we didn’t focus solely on price. We also reviewed customer satisfaction results from J.D. Power, financial strength ratings from AM Best and complaint records from the National Association of Insurance Commissioners (NAIC). When state-specific data wasn’t available, we used national averages to ensure readers could make fair comparisons.

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%

You might find interesting

Explore related topics

• Average car insurance cost in Hawaii
• Car insurance calculator for teens in Hawaii
• Cheapest SR-22 insurance in Hawaii
• Do you need insurance to register a car in Hawaii?
• Hawaii car insurance calculator
• Hawaii car insurance: Rates, state minimum requirements and best companies
• Low-cost car insurance in Hawaii
• Non-owner car insurance in Hawaii: Which company has the cheapest rates?

See more

Which company offers the cheapest car insurance in Hawaii?

With an average annual rate of $1,296, GEICO is the most affordable car insurance company in Hawaii.

Other low-cost options include:

• Progressive, at $1,332 per year or $111 per month
• Farmers, averaging $1,729 annually, which works out to about $144 a month

Meanwhile, State Farm ranks as the most expensive insurer in the state, with average premiums of $2,478 a year.

Keep in mind that your individual rate may vary. Insurance companies factor in your driving record, credit score, age, vehicle and ZIP code when setting premiums, so the cheapest insurer for one driver may not be the cheapest for another.

Below are the cheapest car insurance rates by state, based on a 40-year-old driving a Honda Accord LX to ensure fair comparisons. All rates reflect full coverage policies.

What is full coverage car insurance?

Full coverage car insurance combines several types of protection to provide broader financial coverage. It generally includes liability insurance (which is required in most states) along with collision and comprehensive coverage.

These additional coverages pay for damage to your own vehicle caused by accidents, theft, severe weather, vandalism and other non-collision incidents. While full coverage offers more protection than minimum liability alone, it also comes at a higher cost and is often especially worthwhile for newer, financed or higher-value vehicles.

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

How do you find the best car insurance rates in Hawaii?

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. That means checking:

• The same liability limits
• The same deductibles
• The same coverage types

For example, if one quote shows 25/50/25 in liability coverage and another shows 50/100/100, the lower price may simply reflect lower protection – not a better deal. Many agents recommend at least 50/100/100, and higher limits may make sense depending on your income and assets.

You can also lower your premium by:

• Maintaining a strong credit score
• Avoiding tickets and accidents
• Bundling home and auto insurance with the same carrier

Which companies have the cheapest car insurance for seniors in Hawaii?

Senior drivers in Hawaii generally pay higher car insurance rates than most age groups, though teens still tend to pay the most overall.

The cheapest car insurance companies for seniors in Hawaii are:

• GEICO: $1,296 a year ($108 a month)
• Progressive: $1,332 a year
• Farmers: $1,729 a year

Insurers typically charge seniors more because premiums reflect overall risk trends, including claim frequency and age-related driving factors such as slower reaction times and vision changes. That said, many seniors can still find lower rates by keeping a clean driving record, driving fewer miles and taking advantage of mature driver or safe driver discounts.

The chart below shows the average car insurance premiums for senior drivers in Hawaii.

Which companies have the cheapest car insurance for young adults in Hawaii?

While young adults pay less than teen drivers, they still pay more than older more experienced drivers. The best choice for young adults (early 20s) in Hawaii is GEICO with an annual rate of $1,328 or $111 a month.

Progressive had the second cheapest premium at $1,332 a year followed by Farmers was third at $1,729.

If young drivers keep their driving record clean, their rates will drop down as they move out of their 20s.

The table below shows the best insurers for young drivers in Hawaii:

Which companies have the cheapest car insurance for teen drivers in Hawaii?

In Hawaii, GEICO offers the most affordable coverage for teen drivers, with average premiums starting at $1,457 annually or $121 per month.

Because teens have less driving experience, insurers classify them as higher-risk policyholders.

“Teenagers and seniors are riskier drivers, so they often pay more for auto insurance than other policyholders in different age groups,” says Chong Gao, director of product management R&D at Mercury Insurance. “For teenagers, the lack of driving experience is a significant factor that impacts their rates; younger drivers with little experience behind the wheel tend to pay higher insurance premiums.”

Farmers follows at $1,729 per year or $144 per month, while Progressive rounds out the top three at $1,743 annually.

The table below shows average teen car insurance premiums in Hawaii:

Why your cheapest car insurance option may vary

An insurer with the lowest average premium may not offer you the lowest price. Car insurance rates are personalized, and companies calculate risk differently based on individual driver profiles.

Several factors can affect what you pay, including:

• Driving history
• Credit profile (where permitted)
• Age and marital status
• The type of vehicle you drive
• Your ZIP code and local claim trends

Age plays a major role in pricing. Adding a teen to a policy can significantly increase premiums because teens are the least experienced drivers and tend to have higher accident rates.

“Teen drivers are statistically more likely to be involved in accidents due to their lack of driving experience and tendency to engage in risky behaviors like speeding,” says Eliezer Zupnick, founder of East Leads Group LLC. “Teens are involved in three times as many auto accidents per mile compared to drivers aged 20 and up, making them a high-risk category for insurers.”

To help offset higher premiums, parents can explore good student discounts, choose a more affordable vehicle or reconsider certain coverages if the car’s value is low.

What is the average cost of car insurance in Hawaii?

In Hawaii, drivers pay an average of $1,757 per year for car insurance.

Rates can vary significantly from one state to another because insurers set premiums based on overall risk patterns, including claim frequency, repair expenses, state laws and local accident trends. Even within Hawaii, drivers may receive different quotes depending on factors such as driving history, age, vehicle type and ZIP code.

The chart below displays the average rate in each state for a 40-year-old driver with 100/300/100 coverage and a $500 collision and comprehensive deductible driving a Honda Accord LX.

Which Hawaii cities and ZIP codes are most expensive for car insurance?

Captain Cook has the most expensive ZIP codes for car insurance in Hawaii, with average annual premiums of $1,889.

Insurance rates vary by location because where your vehicle is parked overnight affects risk exposure. Areas with frequent severe weather, higher traffic density or elevated crime rates tend to have higher accident and theft claims, which raises premiums for everyone in those cities and ZIP codes.

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

Which cities and ZIP codes in Hawaii have the cheapest car insurance?

Anahola has the lowest car insurance rates in Hawaii, with average premiums of $1,576 per year across its least expensive ZIP codes.

Car insurance is generally more affordable in smaller cities and rural areas, where fewer vehicles on the road lead to fewer accidents and claims. Lower population density and crime rates also help reduce premiums.

The table below shows the cheapest cities and ZIP codes for car insurance in Hawaii:

How location in Hawaii impacts car insurance rates

Your ZIP code can significantly influence what you pay for car insurance in Hawaii. Insurers look at local risk factors such as accident rates, traffic density, repair costs and weather-related claims when setting premiums.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Gao.

Because insurers weigh these location-based risks differently using their own pricing models, quotes can vary widely even for drivers with similar profiles living in different parts of the state.

Which companies have the cheapest car insurance for high-risk drivers in Hawaii?

Traffic violations and accidents can significantly increase your car insurance rates because insurers may classify you as a higher-risk driver.

For example, a speeding ticket can raise the average premium to $3,462 and typically affects your rates for up to three years. An at-fault accident tends to have a larger impact, pushing the average cost of coverage to around $2,460.

A DUI is considered a major violation and usually leads to the steepest increase, with average premiums rising to $5,983.

The table below shows how much car insurance rates increase on average after common driving incidents.

Minimum car insurance requirements in Hawaii

To legally drive in Hawaii, you’re required to carry at least 20/40/10 in liability car insurance. This minimum coverage pays for bodily injury and property damage you cause to others in an accident.

But state minimum limits are designed to meet legal requirements – not necessarily to fully protect your finances. In a serious crash, medical bills and repair costs can quickly exceed those limits. If that happens, you could be responsible for the remaining balance out of pocket.

That’s why many insurance experts suggest carrying higher limits, such as 100/300/50, to better protect your assets, income and long-term financial security.

Final thoughts on the best and cheapest car insurance in Hawaii

The best car insurance in Hawaii depends on your budget, driving profile and coverage needs. GEICO stands out for its overall value, offering competitive pricing along with strong customer satisfaction and solid financial strength.

That said, the cheapest insurer for the average driver may not be the cheapest for you. Factors like your age, driving history, vehicle and ZIP code all influence your final quote, which is why comparing multiple insurers is key.

To get the best rate in Hawaii, compare quotes from at least three companies, review coverage limits (not just price) and take advantage of discounts such as bundling, safe driver, telematics or good student savings. A few minutes of comparison shopping can lead to significantly lower premiums without sacrificing coverage.

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.

Teenagers and seniors are riskier drivers, so they often pay more for auto insurance than other policyholders in different age groups

Methodology

Our car insurance analysis is based on 2026 rate data across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For standard rate comparisons, we analyzed 65,756,440 quotes from 195 companies across 73 insurer groups. Rates reflect a 40-year-old male and female driving a Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, a good insurance score, no violations, a 12-mile commute and 10,000 annual miles. The national average premium for this profile is $2,578 per year.

To measure the impact of risk factors, we reviewed an additional 95,071,152 quotes modeling at-fault accidents, DUI/DWI, speeding violations and poor credit, using the same base profile for consistency.

Company rankings are weighted as follows:

• J.D. Power (30%) – customer satisfaction
• Annual premium (25%) – average cost
• AM Best (25%) – financial strength
• NAIC (20%) – complaint index

Alisha Ambre

 

 . .

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

Explore other insurance options in Hawaii

Non-owner car insurance in Hawaii

Average renters insurance cost in Hawaii

Average homeowners insurance cost in Hawaii