Low-cost 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. For a deeper dive into our process, see our complete methodology. 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.

In Hawaii, GEICO offers the cheapest average premium at $1,296 per year. For comparison, the statewide average monthly cost is $146, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Hawaii, the minimum liability requirement is $10,000 for bodily injury per person, $20,000 for bodily injury per accident, and $40,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Low-cost car insurance companies in Hawaii

Among all insurers in Hawaii, GEICO comes in lowest at $1,296 per year – $461 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Hawaii.

How we choose low-cost car insurance companies in Hawaii

195+

Carriers reviewed

65M+

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 $1,576. Check the table below to see which other ZIP codes in the state have more affordable rates.

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
• Non-owner car insurance in Hawaii: Which company has the cheapest rates?
• The best and cheapest car insurance in Hawaii

See more

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

Low-cost car insurance in Hawaii by age

Young drivers often face the highest premiums. In Hawaii, for example, a 16-year-old pays $201 more than a 40-year-old driver.

The table below shows how rates change by age group.

Low-cost car insurance in Hawaii by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Hawaii

Just one speeding ticket in Hawaii can raise your rates by 97% – $1,705 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Low-cost car insurance after an accident in Hawaii

Progressive offers the lowest car insurance rates to drivers after an at-fault accident at $1,893 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.

Low-cost car insurance after a DUI in Hawaii

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Hawaii are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Average cost of car insurance Hawaii

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Hawaii is $821 less than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

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 65,756,440 insurance quotes from 195 insurance companies across 34,595 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.

Read more about our research standards and methodology.

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.