The best and cheapest car insurance in Hawaii

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GEICO ranks as the best car insurance company in Hawaii, earning 4.44 out of 5 stars based on our review of pricing, customer satisfaction and financial strength. With average annual premiums of $1,296, it costs $461 less than the state average.

In Hawaii, drivers pay an average of $1,757 per year or $146 per month for coverage.

Progressive placed second with 4.14 stars, while State Farm followed with 3.71 stars.

How we picked the top car insurance companies

When choosing the top car insurance companies in Hawaii, we looked beyond just the average cost of coverage. We also reviewed customer satisfaction data from J.D. Power, financial strength ratings from AM Best and complaint trends reported by the National Association of Insurance Commissioners (NAIC). If state or regional data wasn’t available, we used national averages to keep the comparisons consistent and fair for readers.

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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Which insurance companies offer the cheapest car insurance in Hawaii?

GEICO offers the lowest average car insurance rate in Hawaii, with premiums of $1,296 per year.

Other affordable insurers in Hawaii include:

• Progressive, which averages $1,332 annually, or $111 per month
• Farmers, with average premiums of $1,729 a year, or $144 monthly

At the other end of the pricing spectrum, State Farm has the highest average premium at $2,478 per year.

Keep in mind that your actual rate may be different.. Insurers look at factors such as your driving history, credit profile, age, vehicle type and ZIP code when calculating rates, which means pricing can vary significantly from one driver to another.

The rates below are based on a standard profile of a 40-year-old driver with a Honda Accord LX to allow for consistent, apples-to-apples comparisons. All figures reflect full coverage car insurance.

What is full coverage car insurance?

Full coverage car is a combination of coverages that provide broader financial protection. It typically includes liability insurance (required in most states) plus collision and comprehensive coverage, which pay for damage to your own vehicle from accidents, theft, weather, vandalism and other non-collision events. While it offers more protection than minimum coverage, it also costs more and may be especially valuable if you have a newer, financed or higher-value car.

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How to find the best 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.

“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 instance, if one quote lists 25/50/25 in liability coverage and another lists 50/100/100, the lower premium may simply reflect less coverage rather than a better value. Many insurance agents suggest carrying at least 50/100/100, and higher limits may be appropriate depending on your income, assets and overall financial situation.

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 company has the cheapest car insurance for young adults in Hawaii?

Young adults (21-25) pay less than teens, but they still pay more than more experienced drivers. In Hawaii, GEICO is the cheapest option for young adults with a yearly premium of $1,328 or $111 a month.

Progressive is the next most affordable with an average rate of $1,332 followed by Farmers at $1,729.

Young drivers who maintain a clean driving record can expect their rates to drop even more as they reach their late 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 cheapest car insurance for teen drivers, with average premiums of $1,457 per year or $121 per month.

“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 is the next most affordable option at $1,729 per year or $144 per month, followed by Progressive at $1,743 per year.

The chart below shows average premiums for teens 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?

The average cost of car insurance in Hawaii is $1,757 a year.

Car insurance rates vary widely from state to state because insurers base premiums on overall risk trends, including claim frequency, repair costs, state regulations and local accident data. Even within the same state, drivers can see different quotes depending on their driving history, age, vehicle and ZIP code.

The chart below displays the average rate in Hawaii 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 Hawaii cities and ZIP codes are the cheapest for car insurance?

The cheapest ZIP codes for car insurance in Hawaii tend to be in rural areas where there are fewer people and cars which leads to lower accident and claim rates. Anahola has the most affordable ZIP code in Hawaii with an annual premium of $1,576.

How where you live in Hawaii affects car insurance rates

Where you live in Hawaii plays a major role in determining your car insurance premium. Insurers evaluate local risk factors such as accident frequency, traffic congestion, repair expenses and weather-related claims when calculating rates.

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

Since each insurer applies its own pricing formula to these geographic risks, drivers with similar profiles can receive very different quotes depending on which part of the state they live in.

Who has the cheapest car insurance for high-risk drivers in Hawaii?

Traffic violations and accidents can drive up your car insurance premiums because insurers often classify drivers with tickets or accidents as higher risk.

For instance, a speeding ticket can increase the average premium to $3,462 and may impact your rates for up to three years. An at-fault accident generally has a greater effect, raising the average cost of coverage to approximately $2,460.

A DUI is considered a serious offense and typically results in the largest premium increase, with average rates climbing to $5,983.

The table below illustrates the average rate increases following common driving violations.

Minimum car insurance requirements in Hawaii

To legally drive in Hawaii, drivers must carry at least 20/40/10 in liability car insurance. This required coverage includes bodily injury and property damage protection.

While meeting the state minimum keeps you legal on the road, those limits may not be enough in a serious accident. If damages exceed your liability coverage, you’re responsible for paying the remaining costs out of pocket.

For stronger financial protection, many experts recommend carrying at least 100/300/50 in liability coverage to better safeguard your assets and future earnings.

Final thoughts on the best and cheapest car insurance in Hawaii

The right car insurance company in Hawaii ultimately depends on your budget, driving history and coverage preferences. GEICO stands out for its overall value, combining competitive pricing with strong customer satisfaction and financial stability.

Still, the cheapest company for the average driver may not offer you the lowest rate. Your age, driving record, vehicle type and ZIP code all affect your premium, which makes comparing multiple insurers essential.

To find the best deal in Hawaii, get quotes from at least three companies, review coverage limits carefully – not just the price – and look for discounts such as bundling, safe driver programs, telematics or good student savings. Taking time to compare options can help you lower costs without cutting important protection.

What our experts say

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

 

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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.

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