Cheapest car insurance in Hawaii

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GEICO provides the cheapest car insurance in Hawaii at $1,184 a year. Your rates may vary, but the average premium is $126 per month in Hawaii, according to Insure.com’s rate analysis.

Car insurance requirements vary by state, and in Hawaii, drivers must carry at least the minimum liability coverage: $20,000 for bodily injury protection per person, $40,000 of bodily injury coverage per accident, and $10,000 for property damage per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

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

Cheapest overall: GEICO

$1,184/year

National avg. rate

Cheapest for at-fault accident: GEICO

$1,727/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: Progressive

$1,685/year

Avg. rate after speeding ticket

Cheap car insurance companies in Hawaii

GEICO offers the cheapest car insurance in Hawaii, with an average price of $1,184 per year. It’s 22% less expensive than the average car insurance cost in Hawaii. The rates 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 for car insurance from the cheapest car insurance companies.

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Hawaii

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Hawaii

The cheapest ZIP code for car insurance in Hawaii is 96703, with an average annual cost of $1,347. Find below the most affordable ZIP codes for auto insurance rates in Hawaii.

Cheapest car insurance in Hawaii by age

In Hawaii, insurance rates for young drivers are significantly higher than for adults, as they are more prone to accidents and filing claims. Insure.com’s analysis shows that a 16-year-old pays $230 more for car insurance than a 40-year-old driver.

The following table shows the cheapest car insurance premiums for drivers of different ages.

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Cheapest car insurance in Hawaii by driver history

Insurers consider your driving history to be one of the most important factors in setting insurance rates. If you’re involved in an at-fault accident or convicted of a traffic violation, your premiums may increase. On the other hand, having a clean record makes you a low-risk driver and can lead to cheaper car insurance.

Cheapest car insurance after a speeding ticket in Hawaii

Below is a list of the top three companies that provide affordable car insurance for drivers with a speeding ticket.

• Progressive: $1,685 per year
• Farmers: $1,808 per year
• State Farm: $2,123 per year

A single speeding ticket in Hawaii can cause your insurance rates to go up by 101%, or $1,533, according to Insure.com’s analysis.

Dealing with a speeding ticket can be a hassle, as it involves paying a fine and facing increased insurance rates. However, there are some insurers who offer affordable premiums to drivers with a speeding ticket on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Hawaii

Here are the top three insurers that provide cheap car insurance rates following an accident.

• GEICO: $1,727 per year
• Progressive: $1,842 per year
• State Farm: $2,307 per year

GEICO offers the cheapest car insurance rates for drivers following an at-fault accident, with an average car insurance cost of $1,727 annually.

If you’re found at fault, your insurance premiums may go up. However, you can still compare car insurance rates from different insurers to get the best deal.

Below are the companies offering the most affordable car insurance for drivers with an accident on your driving record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Hawaii

Below is a list of the top three companies offering affordable car insurance following a DUI conviction.

• Progressive: $2,050 per year
• State Farm: $2,123 per year
• Farmers: $2,586 per year

If you’ve recently been convicted of a DUI, you might be concerned about how it will impact your car insurance rates. Most insurance companies will consider you a high-risk driver and increase your premiums. But some insurers offer relatively affordable rates.

The table below outlines the insurance companies that offer the most affordable car insurance rates following a DUI conviction.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Hawaii

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Hawaii is $378 less than the national average car insurance rates in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.

What is full coverage car insurance in Hawaii?

Full coverage car insurance includes bodily injury liability, property damage liability, as well as comprehensive and collision coverage. Collision insurance protects your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance covers damage caused by non-collision events like weather or theft.

If you lease or finance a car in Hawaii, your lender may require you to buy collision and comprehensive insurance in addition to the state-required liability coverage.

Final thoughts

While it’s common to look for ways to lower your car insurance premium, cutting corners on coverage could end up costing you much more in the long run.

Before purchasing an auto insurance policy, consider your specific needs to ensure you’re adequately covered. Since insurance rates can vary, it’s a good idea to compare quotes from multiple companies to find the right policy 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. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

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

Shivani Gite

Contributing Writer

 

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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.