Car Insurance in Hawaii
- Island Insurance offers the cheapest liability and full coverage auto insurance in HI
- Compare the cheapest car insurance quotes in HI from Progressive, Allstate and GEICO (+ other top companies)
Here's what you need to know when driving in Hawaii
The average car insurance rate in Hawaii is $806 per year — 26% cheaper than the U.S. average.[1] As such, 29% of Hawaii drivers who shop with The Zebra believe they are shelling out too much for auto insurance.[2]
Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Hawaii car insurance rates for these rating factors to help you find an affordable policy. Read on to learn how much auto insurance costs in Hawaii based on these variables, or submit your ZIP code above to receive personalized car insurance quotes.
- Island Insurance has an average monthly cost of $32 for a liability-only policy, far cheaper than Hawaii's average.*
- See the other cheapest liability-only insurance companies and best discounts in Hawaii ↓
- Island Insurance also has the cheapest rates for a six-month full coverage policy, coming in at $106 monthly.*
- See the other cheapest full coverage insurance companies and best discounts in Hawaii ↓
- Second only to USAA (which we excluded due to it only being available to military families), State Farm scored 654 (out of 1,000) in J.D. Power's 2024 U.S. Auto Insurance Study.[3]
- Read about the rest of the top and best companies in HI ↓
- The Zebra recommends State Farm for its mix of great customer satisfaction, affordable prices and great coverage options
- Read about the rest of the top and best companies in HI ↓
*Note:Â USAAÂ offers the cheapest rates in Hawaii, but it's excluded from our list due to their strict eligibility guidelines. The Zebra focuses on providers that are accessible to most consumers. If you're eligible for USAA, it's an excellent choice.
Cheap liability insurance in Hawaii
In Hawaii, the average quote for liability insurance is $261 per 6-month period.[1]Â Below, you'll see the average rates from the most popular companies in Hawaii for liability coverage, which tend to be much cheaper than what drivers pay for full coverage insurance. This breakdown makes comparing your options and finding the right coverage for your needs easier.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $178 | $30 |
| Island Insurance Group | $191 | $32 |
| GEICO | $238 | $40 |
| 21st Century | $244 | $41 |
| Allstate | $286 | $48 |
| Progressive | $303 | $51 |
| State Farm | $395 | $66 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our research, 26% of drivers in Hawaii opt for liability-only coverage. Hawaii law requires minimum liability limits of 20/40/10, which means $20,000 per person and $40,000 per accident for bodily injury, and $10,000 for property damage. Check out our detailed guide for more insights into Hawaii's car insurance requirements and how they affect you.
Hawaii’s minimum liability limits are lower than some states and might not fully protect you. If you're responsible for an accident that exceeds these limits, you could be considered underinsured, leaving you vulnerable to lawsuits for the remaining costs.
For drivers who stick to the state minimum, I recommend adding UMBI (uninsured motorist bodily injury) and UMPD (uninsured motorist property damage) coverage. With many uninsured drivers in Hawaii, carrying as much coverage as you can reasonably afford is wise.
Ross Martin — Insurance writer and content manager at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $178 | $563 |
| Island Insurance Group | $191 | $633 |
| GEICO | $238 | $802 |
| 21st Century | $244 | $751 |
| Allstate | $286 | $1,058 |
| Progressive | $303 | $723 |
| State Farm | $395 | $1,123 |
Source: The Zebra
Save money on your next car insurance policy!
Cheap full coverage insurance in Hawaii
In 2024, the average full coverage insurance cost in Hawaii is $806 for a 6-month policy. A common option for drivers, 74% of The Zebra's Hawaii customers request quotes for full coverage insurance.
While it’s pricier than liability-only coverage, drivers in Hawaii searching for the most affordable full coverage should begin with insurers like Island Insurance, Progressive, and USAA (if eligible).
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $563 | $94 |
| Island Insurance Group | $633 | $106 |
| Progressive | $723 | $120 |
| 21st Century | $751 | $125 |
| GEICO | $802 | $134 |
| Allstate | $1,058 | $176 |
| State Farm | $1,123 | $187 |
Source: The Zebra
What are the best car insurance companies in Hawaii?
State Farm stands out as one of the top car insurance providers in Hawaii. It earns high marks from customer reviews and strong ratings from trusted sources like J.D. Power, AM Best, and other third-party ratings. Factors such as coverage variety and available discounts also contribute to its reputation.
Here’s a quick look at the advantages and drawbacks of choosing State Farm and a comparison of other highly rated insurers in Hawaii.
State Farm is well-regarded in Hawaii for its reliable customer service and comprehensive coverage options. While some customers have mentioned delays in claims processing, State Farm's strong financial standing ensures that it can consistently handle claims and maintain operations for the long haul. Its solid reputation in the industry gives drivers confidence that their coverage is backed by stability.
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Strong customer service
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Financial stability
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Wide coverage options, including rideshare
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Multiple discounts available
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Discounts may vary by location
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Higher rates than many other Hawaii carriers
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Mixed claims handling experience
Best car insurance in Hawaii — honorable mentions
To identify the top insurers in Hawaii, we analyzed J.D. Power Auto ratings along with consumer feedback from nearly 3,000 drivers both in Hawaii and across the U.S.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $583 | $97 |
| Island Insurance Group | $633 | $106 |
| Progressive | $1,076 | $179 |
Source: The Zebra
How did we pick what company has the "Best Value" in Hawaii?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Hawaii
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based, nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Save time and money by comparing rates with The Zebra!
Cheap auto insurance for teens and young drivers in Hawaii
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums because of the risk presented by inexperienced drivers; teen drivers typically pay more than three times the national average for car insurance. In Hawaii, teen drivers pay an average of $852 per six-month policy — this is uncharacteristically low compared to teen drivers in other states.[1]
If you're a teen in Hawaii, consider 21st Century, Island Insurance or — if eligible — USAA for the best rates.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $563 | $94 |
| Island Insurance Group | $633 | $106 |
| 21st Century | $751 | $125 |
| GEICO | $820 | $137 |
| Progressive | $1,052 | $175 |
| Allstate | $1,058 | $176 |
| State Farm | $1,091 | $182 |
Source: The Zebra
Zebra tip: 3 smart ways young drivers can lower their car insurance costs
- Take a certified defensive driving course to unlock discounts and improve driving skills.
- Opt for a budget-friendly car with strong safety features and low maintenance costs instead of a sports car.
- Stick with your parent’s policy to enjoy lower premiums and leverage their positive insurance track record.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| 21st Century | $751 | $125 |
| Allstate | $1,058 | $176 |
| GEICO | $820 | $137 |
| Island Insurance Group | $633 | $106 |
| Progressive | $1,240 | $207 |
| State Farm | $995 | $166 |
| USAA | $563 | $94 |
Source: The Zebra
Car insurance in popular Hawaii cities
Car insurance companies calculate your rate based on many factors, including the location of the vehicle. The cheapest car insurance is found in Pearl City, Hawaii, and the most expensive is in Hilo, Hawaii.
The table below shows average car insurance costs in some of Hawaii's biggest cities.
How have car insurance costs in Hawaii changed?
Hawaii’s car insurance rates have seen some ups and downs in recent years, with the average premium rising to $1,399 in 2024 after a more affordable 2023. Given how quickly rates can change, it’s a smart idea for Hawaiians to shop around to make sure they’re still getting the best deal. Regularly comparing options can help save money, especially when premiums fluctuate year to year.
| Year | Avg. Annual Premium — Hawaii | Yearly Change — Hawaii |
|---|---|---|
| 2024 | $1,399 | $283 |
| 2023 | $1,116 | -$293 |
| 2022 | $1,409 | $321 |
| 2021 | $1,088 | $8 |
| 2020 | $1,080 | -$21 |
| 2019 | $1,101 | -$20 |
| 2018 | $1,121 | -$675 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Get the best rates in Hawaii when you shop around with The Zebra!
Hawaii auto insurance quotes after an accident or ticket
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could increase your car insurance rates by as much as $483 per year.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $694 | $116 |
| Island Insurance Group | $873 | $145 |
| GEICO | $958 | $160 |
| Progressive | $1,095 | $183 |
| 21st Century | $1,227 | $204 |
| State Farm | $1,299 | $217 |
| Allstate | $1,414 | $236 |
Source: The Zebra
Ideally, you'll never need your insurance, but if you do, a stress-free experience is crucial. In our 2024 Customer Satisfaction Survey, we gauged satisfaction among those who filed claims. AAA emerged as a great choice and is worth considering if you live in Hawaii.[4]
In Hawaii, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average. Car insurance premiums typically increase by 146% after a DUI and 20% after a speeding ticket.
See below average auto insurance rates in Hawaii after a few common citations.
Source: The Zebra
The Zebra's guide to Hawaii car insurance laws for high-risk drivers
Certain violations, like driving under the influence (DUI) or operating a vehicle without insurance, can lead to more serious insurance consequences in Hawaii. These infractions often result in higher premiums and stricter coverage requirements. For more information on Hawaii's car insurance laws and how they impact high-risk drivers, check out our comprehensive guide to state regulations.
Hawaii DUI laws
In Hawaii, a DUI offense can increase your annual car insurance premium by an average of $1,625. Finding affordable auto insurance after a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Hawaii
If you're convicted of a DUI or DWI violation in Hawaii, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Hawaii, State Farm, advertises annual rates 54% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Hawaii is USAA, while the priciest firm is Island Insurance Group, with prices 340% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $1,118 | $186 |
| Progressive | $1,188 | $198 |
| 21st Century | $1,307 | $218 |
| State Farm | $1,535 | $256 |
| GEICO | $1,826 | $304 |
| Allstate | $2,322 | $387 |
| Island Insurance Group | $6,026 | $1,004 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Hawaii SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Hawaii to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Hawaii might require some research, but it could pay off in the end.
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How to acquire an SR-22 in Hawaii
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
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For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
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For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Hawaii in minutes!
Hawaii car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Hawaii auto insurance.
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 Auto Insurance Study. J.D. Power
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN HI
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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 editorial 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.