Best Cheap Car Insurance in Hawaii (2025)
Cheapest car insurance companies in Hawaii
Cheap full-coverage insurance in Hawaii: Geico
USAA and State Farm have the second-cheapest full-coverage quotes in Hawaii. Only members of the military and their families can buy car insurance from USAA, which offers an average rate of $1,120 a year. State Farm’s average rate is $1,203 a year.
Cheapest full-coverage car insurance companies
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Geico | $829 |  |
 | State Farm | $1,203 |  |
 | Island Insurance | $1,319 |  |
 | Progressive | $1,856 | |
 | Farmers | $1,935 |  |
 | Allstate | $2,126 | |
 | USAA* | $1,120 | |
Full-coverage car insurance usually includes both collision and comprehensive coverages, which protect your vehicle from damage and theft. State law doesn’t require full coverage, but you’ll usually need to get it for a car loan or lease.
Hawaii’s best liability-only insurance coverage: Geico
Island Insurance, a local company, has the state’s second-cheapest liability rates at $418 a year.
Both Geico and Island Insurance offer many car insurance discounts that can help you save money on a liability car insurance policy. You can get discounts with these companies for bundling auto and home policies, insuring more than one car and more.
Cheapest companies for liability auto insurance
| Company | Annual rate |
|---|---|
| Geico | $276 |
| Island Insurance | $418 |
| State Farm | $454 |
| Farmers | $606 |
| Progressive | $757 |
| Allstate | $884 |
| USAA* | $321 |
Cheap car insurance for teens in Hawaii: Geico
Island Insurance is the next-cheapest company for liability coverage, while State Farm is second for full coverage.
Cheapest Hawaii car insurance for young drivers
| Company | Liability only | Full coverage |
|---|---|---|
| Geico | $316 | $934 |
| Island Insurance | $418 | $1,319 |
| State Farm | $454 | $1,203 |
| Farmers | $606 | $1,935 |
| Allstate | $884 | $2,126 |
| Progressive | $983 | $2,408 |
| USAA* | $321 | $1,120 |
Young drivers often pay much higher car insurance rates than older drivers. This isn’t as true in Hawaii as it is in most other states because Hawaii law doesn’t let companies use age when setting insurance rates. Insurance companies in Hawaii can look at how long you’ve been driving, though, which could impact your rate.
- See if you qualify for any discounts
- Get added to a parent’s policy, if you can
- Drive safely and consider usage-based car insurance
Best cheap auto insurance after a ticket in Hawaii: Geico
State Farm is the second-cheapest option, but it offers a wide range of discounts that could make it the cheapest company for you.
Cheapest car insurance rates with a speeding ticket
| Company | Annual rate |
|---|---|
| Geico | $829 |
| State Farm | $1,323 |
| Island Insurance | $1,431 |
| Farmers | $1,935 |
| Progressive | $2,550 |
| Allstate | $3,015 |
| USAA* | $1,174 |
In Hawaii, a speeding ticket increases the cost of auto insurance by 18%, on average, to $1,751 a year.
To save money with a ticket on your record, shop around and compare car insurance quotes from several companies before you renew or buy.
Hawaii’s cheapest car insurance quotes after an accident: Geico
State Farm is the next-cheapest company for these drivers, with an average rate of $1,442 a year.
Trying to choose between these two companies? Although they offer similar coverage options and discounts, State Farm earned a better customer satisfaction score from J.D. Power.
Getting into an at-fault accident raises your car insurance rate by an average of 39% in Hawaii.
Best insurance companies after an accident
| Company | Annual rate |
|---|---|
| Geico | $1,213 |
| State Farm | $1,442 |
| Island Insurance | $1,762 |
| Farmers | $2,562 |
| Progressive | $2,797 |
| Allstate | $3,318 |
| USAA* | $1,380 |
Cheapest insurance rates for Hawaii teens with a bad record: Geico
Teens with bad driving records get the cheapest car insurance quotes from Geico in Hawaii.
Best car insurance for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Geico | $316 | $420 |
| Island Insurance | $454 | $562 |
| State Farm | $505 | $555 |
| Farmers | $606 | $806 |
| Progressive | $1,231 | $1,368 |
| Allstate | $1,342 | $1,426 |
| USAA* | $337 | $407 |
Cheapest car insurance after a DUI in Hawaii: Farmers
State Farm and Progressive are the next-best options for drivers with a DUI (driving under the influence) conviction, at $3,037 and $3,171 a year, respectively.
The average cost of car insurance for a driver after a DUI in Hawaii is $4,890 a year. This is more than three times higher than the state average rate for drivers with a clean record.
Cheapest car insurance quotes with a DUI
| Company | Annual rate |
|---|---|
| Farmers | $2,732 |
| State Farm | $3,037 |
| Progressive | $3,171 |
| Geico | $5,819 |
| Allstate | $5,928 |
| Island Insurance | $11,270 |
| USAA* | $2,275 |
Best car insurance companies in Hawaii
Geico has cheaper rates for most people and also offers more car insurance discounts.
State Farm’s average rates are more expensive, but they’re generally the second- or third-cheapest for most drivers. State Farm offers a good selection of discounts, too, as well as better customer satisfaction ratings.
Hawaii car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Island Insurance | Not rated | Not rated | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Hawaii insurance rates by city
Anahola drivers pay the lowest car insurance rates among Hawaiian cities, at $1,349 a year, on average.
Ainaloa is the Hawaiian city with the most expensive car insurance rates, paying an average of $1,662 a year.
Car insurance rates by city and town
| City | Annual rate |
|---|---|
| Ahuimanu | $1,558 |
| Aiea | $1,558 |
| Ainaloa | $1,662 |
| Anahola | $1,349 |
| Camp H M Smith | $1,554 |
| Captain Cook | $1,662 |
| Eleele | $1,349 |
| Ewa Beach | $1,564 |
| Ewa Gentry | $1,564 |
| Ewa Villages | $1,564 |
| Fern Acres | $1,662 |
| Fort Shafter | $1,554 |
| Haiku | $1,498 |
| Haiku-Pauwela | $1,498 |
| Hakalau | $1,662 |
| Halaula | $1,662 |
| Halawa | $1,556 |
| Haleiwa | $1,558 |
| Haliimaile | $1,498 |
| Hana | $1,498 |
| Hanalei | $1,349 |
| Hanamaulu | $1,349 |
| Hanapepe | $1,349 |
| Hauula | $1,558 |
| Hawaii National Park | $1,662 |
| Hawaiian Acres | $1,662 |
| Hawaiian Beaches | $1,662 |
| Hawaiian Ocean View | $1,662 |
| Hawaiian Paradise Park | $1,662 |
| Hawi | $1,662 |
| Heeia | $1,558 |
| Hickam Housing | $1,554 |
| Hilo | $1,662 |
| Holualoa | $1,662 |
| Honalo | $1,662 |
| Honaunau | $1,662 |
| Honaunau-Napoopoo | $1,662 |
| Honokaa | $1,662 |
| Honolulu | $1,555 |
| Honomu | $1,662 |
| Hoolehua | $1,448 |
| Iroquois Point | $1,564 |
| JBPHH | $1,554 |
| Kaaawa | $1,558 |
| Kaanapali | $1,498 |
| Kahaluu | $1,558 |
| Kahaluu-Keauhou | $1,662 |
| Kahuku | $1,558 |
| Kahului | $1,498 |
| Kailua | $1,610 |
| Kailua Kona | $1,662 |
| Kalaheo | $1,349 |
| Kalaoa | $1,662 |
| Kalaupapa | $1,461 |
| Kamuela | $1,662 |
| Kaneohe | $1,558 |
| Kaneohe Station | $1,558 |
| Kapaa | $1,349 |
| Kapaau | $1,662 |
| Kapalua | $1,498 |
| Kapolei | $1,558 |
| Kaumakani | $1,349 |
| Kaunakakai | $1,448 |
| Keaau | $1,662 |
| Kealakekua | $1,662 |
| Kealia | $1,349 |
| Keauhou | $1,662 |
| Kekaha | $1,349 |
| Keokea | $1,498 |
| Kihei | $1,498 |
| Kilauea | $1,349 |
| Ko Olina | $1,558 |
| Koloa | $1,349 |
| Kualapuu | $1,448 |
| Kula | $1,498 |
| Kunia | $1,558 |
| Kurtistown | $1,662 |
| Lahaina | $1,498 |
| Laie | $1,558 |
| Lanai City | $1,406 |
| Launiupoko | $1,498 |
| Laupahoehoe | $1,662 |
| Lawai | $1,349 |
| Lihue | $1,349 |
| MCBH Kaneohe Bay | $1,554 |
| Maalaea | $1,498 |
| Mahinahina | $1,498 |
| Maili | $1,558 |
| Makaha | $1,558 |
| Makakilo | $1,570 |
| Makawao | $1,498 |
| Makaweli | $1,349 |
| Maunaloa | $1,448 |
| Maunawili | $1,558 |
| Mililani | $1,558 |
| Mililani Mauka | $1,558 |
| Mililani Town | $1,558 |
| Mokuleia | $1,558 |
| Mountain View | $1,662 |
| Naalehu | $1,662 |
| Nanakuli | $1,558 |
| Nanawale Estates | $1,662 |
| Napili-Honokowai | $1,498 |
| Ninole | $1,662 |
| Ocean Pointe | $1,564 |
| Ocean View | $1,662 |
| Olinda | $1,498 |
| Omao | $1,349 |
| Ookala | $1,662 |
| Orchidlands Estates | $1,662 |
| Paauilo | $1,662 |
| Pahala | $1,662 |
| Pahoa | $1,662 |
| Paia | $1,498 |
| Papaaloa | $1,662 |
| Papaikou | $1,662 |
| Pearl City | $1,558 |
| Pepeekeo | $1,662 |
| Poipu | $1,349 |
| Princeville | $1,349 |
| Puako | $1,662 |
| Puhi | $1,349 |
| Pukalani | $1,498 |
| Punaluu | $1,558 |
| Pupukea | $1,558 |
| Puunene | $1,498 |
| Royal Kunia | $1,564 |
| Schofield Barracks | $1,556 |
| Tripler Army Medical Center | $1,554 |
| Volcano | $1,624 |
| Wahiawa | $1,558 |
| Waialua | $1,558 |
| Waianae | $1,558 |
| Waihee-Waiehu | $1,498 |
| Waikane | $1,558 |
| Waikapu | $1,498 |
| Waikele | $1,564 |
| Waikoloa | $1,662 |
| Waikoloa Village | $1,662 |
| Wailea | $1,498 |
| Wailua | $1,349 |
| Wailua Homesteads | $1,349 |
| Wailuku | $1,498 |
| Waimalu | $1,558 |
| Waimanalo | $1,590 |
| Waimanalo Beach | $1,590 |
| Waimea | $1,505 |
| Wainaku | $1,662 |
| Wainiha | $1,349 |
| Waipahu | $1,564 |
| Waipio | $1,564 |
| Waipio Acres | $1,558 |
| Wake Island | $1,554 |
| West Loch Estate | $1,564 |
| Wheeler AFB | $1,558 |
| Wheeler Army Airfield | $1,554 |
| Whitmore Village | $1,558 |
Minimum coverage for car insurance in Hawaii
Hawaii state law requires drivers to have 20/40/10 car insurance, as well as $10,000 of personal injury protection coverage (PIP), at a minimum.
| Coverage type | Minimum amount needed |
|---|---|
| Bodily injury liability | $20,000 per person$40,000 per accident |
| Property damage liability | $10,000 per accident |
| Personal injury protection | $10,000 per person |
Hawaii is a no-fault state for car insurance. Because of this, your insurance company will cover injuries you and your passengers suffer in an accident, up to your PIP limit, no matter who causes the crash.
Frequently asked questions
The average cost of car insurance in Hawaii is $1,484 a year if you buy a full-coverage policy. If you buy only liability coverage, the average cost is $531 a year.
Liability-only car insurance costs $44 a month in Hawaii, on average. The state average cost of full-coverage car insurance is $124 a month.
Geico is the cheapest car insurance company in Hawaii for most driver and coverage types. Geico has the cheapest rates for a typical adult driver with a clean record, and it’s also the cheapest for those with a speeding ticket or accident.
Geico has the cheapest car insurance for teen drivers in Hawaii, too. This is true whether the young drivers have clean records or have a ticket or accident.
Yes, Hawaii is a no-fault state for car insurance. This means your car insurance policy covers, up to your PIP limit, your injuries and your passengers’ injuries after an accident. This is true no matter who causes the crash.
In no-fault states like Hawaii, each driver’s car insurance covers their own injuries or the injuries of their passengers after an accident.
Also, due to the state’s no-fault laws, you can’t sue or be sued after an accident unless there are serious injuries.
At-fault drivers are responsible for vehicle and property damage costs in no-fault car insurance states, too.