Car Insurance in Hawaii
- Progressive offers the cheapest liability at $46/mo.
- Progressive has the cheapest full coverage at $99/mo.
Enter your ZIP code to start your search for Hawaii car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Hawaii at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Hawaii
The average car insurance rate in Hawaii is $858 for a six-month policy — 26% cheaper than the U.S. average.[1] But don’t be fooled — your location is just one piece of the puzzle. Car insurance rates in Hawaii are shaped by a variety of factors, including your age and driving history.
According to our data, 39% of Hawaiians believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Cheapest liability coverage in HI
- Progressive offered the cheapest liability coverage in Hawaii at $46/mo.
Cheapest full coverage in HI
- Progressive offers the cheapest full coverage in Hawaii at $99/mo.
Best customer service in HI
- Island Insurance scored an A+ in the BBB's 2026 ratings of customer service.
*While USAA offers the cheapest rates in Hawaii, it’s excluded as our top choice due to it’s strict eligibility guidelines. The Zebra focuses on providers accessible to the most consumers. If you’re eligible for USAA, it’s an excellent choice.
Cheap liability insurance in Hawaii
The average cost for liability insurance in Hawaii is $309 for a 6-month policy.[1] For our user profile, Progressive offers the most affordable liability insurance options in the state at $46 per month.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $242 | $40 |
| Progressive | $275 | $46 |
| GEICO | $316 | $53 |
| Allstate | $340 | $57 |
| State Farm | $482 | $80 |
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 data, 35% of Hawaii drivers carry only the state-required liability coverage.[2] In Hawaii, the law mandates minimum liability limits of 40/80/20. Learn more about car insurance requirements in the state of Hawaii with our helpful guide.
If you're involved in a car accident in Hawaii, your own insurance generally pays for your medical expenses first, regardless of who caused the crash.[3] Every auto policy must include at least $10,000 in Personal Injury Protection (PIP) coverage, which helps pay for medical and rehabilitation costs for you and your passengers. You can only pursue the at-fault driver for pain and suffering if your injuries meet certain legal thresholds, such as significant permanent injuries or medical expenses that exceed the statutory threshold. This system is designed to ensure injured drivers receive prompt medical benefits without waiting for fault to be determined.
Renata Balasco, licensed agent and insurance writer at The Zebra
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| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $242 | $774 |
| State Farm | $482 | $1,111 |
| Progressive | $275 | $597 |
| Island Insurance Group | $212 | $645 |
| GEICO | $316 | $892 |
| Allstate | $340 | $1,106 |
| 21st Century | $252 | $749 |
Source: The Zebra
Cheap full coverage insurance in Hawaii
In 2026, the average cost of full coverage insurance in Hawaii is $858 for a six-month policy. Full coverage is a popular choice here, with 65% of The Zebra’s Hawaii customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. For the cheapest full coverage rates in Hawaii, Progressive offers the lowest quotes at $99 per month.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $597 | $99 |
| USAA | $774 | $129 |
| GEICO | $892 | $149 |
| Allstate | $1,106 | $184 |
| State Farm | $1,111 | $185 |
Source: The Zebra
Local insights
Drivers near you in Hawaii weigh in
"I recently changed because Progressive increased my bill in two years for no reason and instead I switched to USAA to save $500."
-Reddit user on r/Hawaii
"A lot of people here end up with GEICO because it’s usually one of the cheapest options in Hawaii."
-Reddit user on r/Hawaii
Compare car insurance rates from the best companies in Hawaii.
What are the best car insurance companies in Hawaii?
We’ve named Island Insurance as Hawaii's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like BBB, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
While Hawaii has fewer insurance companies than other states, we've highlighted a few others aside from Island Insurance to consider below.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Car insurance in popular Hawaii cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Kihei, Hawaii and the most expensive in Hilo, Hawaii.
Have a look at the table below to see average car insurance costs in some of Hawaii biggest cities.
Source: The Zebra
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Source: The Zebra
Insider knowledge, trusted guidance
Johnny’s insurance experience began when he joined The Zebra in 2020 as a Customer Experience Agent, supporting the sales team by servicing policies …
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years experience in property & casualty insurance
Amber Vigil has three years of experience in the insurance industry and joined The Zebra in 2024. As manager, she leads a group of sales agents, ensu…
Credentials
- Licensed Insurance Agent — Property and Casualty
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Hawaii auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Hawaii. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Hawaii insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Hawaii car insurance laws for high-risk drivers
For high-risk drivers in Hawaii with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Hawaii's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Hawaii DUI laws
In Hawaii, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of 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. Check out the table below to see average rates by top insurers in Hawaii.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $934 | $156 |
| USAA | $1,269 | $211 |
| State Farm | $1,504 | $251 |
| GEICO | $2,045 | $341 |
| Allstate | $2,496 | $416 |
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 laws
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.
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.
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.
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!
How have car insurance costs in Hawaii changed?
Hawaii's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Hawaii |
|---|---|
| 2026 | $1,519 |
| 2025 | $1,647 |
| 2024 | $1,399 |
| 2023 | $1,116 |
| 2022 | $1,409 |
| 2021 | $1,088 |
| 2020 | $1,080 |
| 2019 | $1,101 |
| 2018 | $1,121 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Hawaii car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Hawaii auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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Hawaii Is a No-Fault Insurance State. Hawaii Department of Commerce and Consumer Affairs
Hawaii Is a No-Fault Insurance State. Hawaii Department of Commerce and Consumer Affairs
RECENT QUESTIONS ABOUT CAR INSURANCE IN HI
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.
