Low-cost car insurance in Hawaii

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GEICO provides the lowest car insurance rates in Hawaii at $1,251 a year. The average premium is $143 per month in Hawaii, though your actual rate may vary.

Car insurance requirements differ by state. In Hawaii, drivers are required to carry at least the minimum liability coverage: $20,000 for bodily injury per person, $40,000 for bodily injury per accident, and $10,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

GEICO has the lowest average car insurance premium in Hawaii, costing $1,251 per year. That’s $470 the state average.
For drivers with an at-fault accident on record, GEICO offers the most affordable coverage at around $1,827 annually.
The 96703 ZIP code stands out as the cheapest area for auto insurance in Hawaii, with an average yearly cost of $1,533.

Low-cost car insurance companies in Hawaii

GEICO offers the lowest car insurance rates in Hawaii, with an average annual premium of $1,251 per year. It’s $470 less expensive than the average car insurance cost in Hawaii. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

Company	Average annual rates
GEICO	$1,251
Progressive	$1,279
Farmers	$1,746
Island Insurance	$1,936
State Farm	$2,312
Allstate	$2,379
USAA*	$1,141

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Hawaii

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Hawaii

In Hawaii, drivers living in the 96703 ZIP code enjoy the lowest average annual premium at $1,533. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
96703	Anahola	$1,533
96705	Eleele	$1,533
96714	Wainiha	$1,533
96716	Hanapepe	$1,533
96722	Princeville	$1,533
96741	Kalaheo	$1,533
96746	Kapaa	$1,533
96747	Kaumakani	$1,533
96751	Kealia	$1,533
96752	Kekaha	$1,533

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Low-cost car insurance in Hawaii by age

Young drivers often face the highest premiums. In Hawaii, for example, a 16-year-old pays $82 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$1,822
Young Adults (20-24)	$1,740
Adults (25-60)	$1,722
Seniors (65-75)	$1,721

Low-cost car insurance in Hawaii by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Hawaii

A single speeding ticket in Hawaii can push your rates up by 101%, or about $1,739. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$1,279	$1,685	32%	$406
Farmers	$1,746	$2,113	21%	$366
State Farm	$2,312	$2,532	10%	$220
Allstate	$2,379	$3,318	39%	$938
Island Insurance	$1,936	$10,173	425%	$8,237
USAA*	$1,141	$1,194	5%	$53

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Hawaii

GEICO offers the lowest car insurance rates to drivers after an at-fault accident at $1,827 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,251	$1,827	46%	$575
Progressive	$1,279	$1,842	44%	$563
Island Insurance	$1,936	$2,581	33%	$645
State Farm	$2,312	$2,752	19%	$441
Farmers	$1,746	$2,837	62%	$1,090
Allstate	$2,379	$3,628	52%	$1,249
USAA*	$1,141	$1,400	23%	$260

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Hawaii

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Hawaii offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$1,279	$2,050	$771	60%
State Farm	$2,312	$2,532	$220	10%
Farmers	$1,746	$3,022	$1,276	73%
Allstate	$2,379	$6,029	$3,650	153%
GEICO	$1,251	$8,733	$7,482	598%
Island Insurance	$1,936	$16,472	$14,536	751%
USAA*	$1,141	$2,294	$1,154	101%

*USAA is only available to military community members and their families.

Average cost of car insurance Hawaii

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Hawaii, the average cost of full coverage is $792 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Hawaii, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Hawaii.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Hawaii. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.