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?
RankCompany NameAvg. Annual Premium
1State Farm$1,290
2USAA$1,296
3GEICO$1,368
4Liberty Mutual$1,435
5Progressive$1,510
6First of Hawaii$1,967
7Allstate$1,974
8AIG$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$1089.06%
No Accidents$41327.66%
Good Credit$00.00%

 

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.

AgeAnnual Rate with ParentsAnnual 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 FactorAnnual Rate% Increase
At-Fault Accident$1,49327.66%
DUI$5,38979.97%
Speeding Violation$1,1879.06%
Bad Credit$1,0800.00%

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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)

AIGN/AN/AGoodN/A
AllstateAbove averageAverageSuperior4.3 / 5
GEICOAverageAverageSuperior4.4 / 5
Liberty MutualBelow averageAbove averageGood4.2 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
USAAExcellentExcellentSuperior4.6 / 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:

Liability

  • 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$5,378397%$4,296
Refused Breathalyzer/Chemical Test$5,316392%$4,235
DUI$3,694242%$2,613
Racing$2,330116%$1,249
Reckless Driving$5,301390%$4,220
Driving with a Suspended License$5,279388%$4,198
At-Fault Accident$1,39729%$316
Driving with an Open Container$1,55544%$474
Operating a Vehicle Without Permission$1,1839%$102
Passing a School Bus$1,25516%$174
Improper Passing$1,19110%$109
Following Too Closely$1,19110%$109
Speeding$1,19310%$112
Failure to Stop at a Red Light$1,1839%$102
Illegal Turn$1,19110%$109
Driving Wrong Way/Wrong Lane$1,19110%$109
Failure to Yield$1,19110%$109
Speeding in a School Zone$1,19110%$109
Driving Too Slowly$1,19110%$109
Distracted Driving$1,1759%$94
Driving with Expired Registration$1,0961%$15
Failure to Show Documents$1,1032%$22
Not-at-Fault Accident$1,0810%$0
Failure to Use Child Safety Restraint$1,1032%$22
Failure to Wear a Seat Belt$1,1032%$22
Driving Without Lights$1,0810%$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.

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

 

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Ross Martin
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As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.