Cheap Hawaii Car Insurance

Find affordable auto insurance that works for you in Hawaii. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Hawaii

Across the Aloha State, there are 9,523 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel. Read on to learn about average insurance rates in Hawaii for a variety of driving profiles. Then, enter your ZIP code above to find the right quote options from quality, low-cost companies in your state.


Affordable insurance companies in Hawaii

What's the cheapest car insurance in Hawaii?
Rank Company Name Avg. Annual Premium
1 State Farm $1,290
2 USAA $1,296
3 GEICO $1,368
4 Liberty Mutual $1,435
5 Progressive $1,510
6 First of Hawaii $1,967
7 Allstate $1,974
8 AIG $2,938

Compare quotes from dozens of insurance companies that provide coverage throughout Hawaii. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Hawaii

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Hawaii drivers don't enjoy much of a rate discount for staying safe on the roads, as a lack of traffic tickets is rewarded by just a 9% price cut, compared to 17% nationally. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $108 9.06%
No Accidents $413 27.66%
Good Credit $0 0.00%


Cheap auto insurance for young drivers in Hawaii

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Hawaii is a relatively affordable state for teen drivers: the typical teen driver pays $1,946 per year — about $3,000 less than the national average for teens and only about double the average premium for all Hawaiian drivers.

Age Annual Rate with Parents Annual Rate Alone
16 $2,744 $1,253
17 $2,744 $1,128
18 $2,744 $1,111
19 $2,744 $1,102


Cheap auto insurance for bad drivers in Hawaii

If you have no at-fault accidents, speeding tickets, or DUIs, you can save money on car insurance. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It's especially important to avoid DUI citations in Hawaii, the state with the largest insurance rate penalty after a DUI (79%). Conversely, speeding tickets and at-fault accidents carry lower-than-average rate hikes in Hawaii (9% and 27%, respectively).

Rating Factor Annual Rate % Increase
At-Fault Accident $1,493 27.66%
DUI $5,389 79.97%
Speeding Violation $1,187 9.06%
Bad Credit $1,080 0.00%

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Top rated car insurance companies in Hawaii

Each car insurance company boasts about its affordable costs. But just like with any product, the cheapest car insurance isn't always the best option. Considering what's at stake, it's worth doing your research to obtain an auto insurance policy that can cover your car completely after a collision. Be on the lookout for a great value, instead of settling for the cheapest auto insurance in your state.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AIG N/A N/A Good N/A
Allstate Average Average Superior 4.3 / 5
GEICO Average Average Superior 4.4 / 5
Liberty Mutual Average Above average Good 4.2 / 5
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
USAA Excellent Excellent Superior 4.6 / 5

Hawaii auto insurance laws

Hawaii's insurance regulations mandate that drivers carry liability and personal injury protection coverages at or above the below minimum levels:


  • Bodily Injury $20,000 per person
  • Bodily Injury $40,000 per accident
  • Property Damage $10,000 per accident

Personal Injury Protection (PIP)

  • $10,000 per person

Optional coverage in Hawaii (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Wage Loss
  • Death and Funeral Expense
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

If you choose the minimum allowed coverage in Hawaii, expect to owe an average of $516 annually. This is more affordable than the U.S. average by 21%. If you elect better car insurance coverage, you can select a policy with comprehensive and collision coverage, which will protect against damages caused by car-on-car collisions, theft, or weather incidents. It's worth noting that better coverage carries a cost: in Hawaii, a comprehensive policy with a $1,000 deductible runs $924, 79% more than liability-only car insurance. For comprehensive coverage with a $500 deductible, you can expect to pay 108% more than you would for a liability-only policy.

Learn more about Hawaii's car insurance regulations.

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How tickets change insurance rates in Hawaii

If you get a ticket, your auto insurance costs may rise. How much your rates rise depends on the severity of the violation, your insurer's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at car insurance costs in Hawaii after a few common citations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $5,378 397% $4,296
Refused Breathalyzer/Chemical Test $5,316 392% $4,235
DUI $3,694 242% $2,613
Racing $2,330 116% $1,249
Reckless Driving $5,301 390% $4,220
Driving with a Suspended License $5,279 388% $4,198
At-Fault Accident $1,397 29% $316
Driving with an Open Container $1,555 44% $474
Operating a Vehicle Without Permission $1,183 9% $102
Passing a School Bus $1,255 16% $174
Improper Passing $1,191 10% $109
Following Too Closely $1,191 10% $109
Speeding $1,193 10% $112
Failure to Stop at a Red Light $1,183 9% $102
Illegal Turn $1,191 10% $109
Driving Wrong Way/Wrong Lane $1,191 10% $109
Failure to Yield $1,191 10% $109
Speeding in a School Zone $1,191 10% $109
Driving Too Slowly $1,191 10% $109
Distracted Driving $1,175 9% $94
Driving with Expired Registration $1,096 1% $15
Failure to Show Documents $1,103 2% $22
Not-at-Fault Accident $1,081 0% $0
Failure to Use Child Safety Restraint $1,103 2% $22
Failure to Wear a Seat Belt $1,103 2% $22
Driving Without Lights $1,081 0% $0


Hawaii car insurance FAQs

Is Hawaii a no-fault auto insurance state?

Yes. Hawaii is a no-fault state. Every driver is responsible for their own medical bills after a car collision, regardless of fault. In order to cover for this expense, every driver is required to carry Personal Injury Protection (PIP), which provides necessary bodily injury coverage after an accident.

Can you get car insurance without a license in Hawaii?

Although there is no state law in Hawaii regarding buying car insurance without a license, it is generally considered a difficult task. Your driver's license is an insurance company's view into your previous driving history. Without this, an insurer might view you as a high-risk driver and thus increase your premium. The best way to find car insurance in Hawaii without a license is to speak directly to an insurance agent.

Is new car theft insurance required in Hawaii?

In Hawaii (and other states), there isn't a specific "theft" coverage — it's included in comprehensive coverage. Whether or not comprehensive coverage is required will depend on the nature of your car ownership. If you have a lease or loan on the vehicle, you are required to carry comprehensive, collision, and potentially gap coverage on the vehicle. 

How much does car insurance cost in Hawaii cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Kihei, Hawaii, and the most expensive in Hilo, Hawaii.

Rank City Avg. Annual Premium
1 Hilo $1,121
2 Ewa Beach $1,056
3 Royal Kunia $1,056
4 Honolulu $1,049
5 Schofield Barracks $1,047
6 Kailua $1,044
7 Kapolei $1,044
8 Pearl City $1,044
9 Kahului $1,035
10 Kihei $1,035



Can I get insurance if I have a van with access for a wheelchair but no license?

It's very likely that you can still get insurance. However, you will have to find a company that doesn't require everyone listed to be licensed.
Nov 7, 2019 Hanapepe, HI

Do I have to prove a driver was uninsured?

Unfortunately, there isn't much you can do about not wanting to get another driver who is uninsured in trouble. At the end of the day, your insurance might require you to show proof of an uninsured motorist in which case it is in your best interest to give as much information as possible to your company.
Mar 24, 2018 Honolulu, Hawaii

Should I file an insurance claim?

Here are a few things to consider:   You have up to 2 years in Hawaii to file a property damage claim with your insurance provider. It's always best to file a claim as quickly as possible so your insurance company can best assess the damage on your vehicle, however, you technically can file a claim up to 2 years from the date of the damage.
Aug 17, 2017 Honolulu, HI

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.