The average cost of a full coverage car insurance policy in Hawaii is $1,208 per year, but rates vary from one city or island to the next. The average rate in Princeville is $1,065, for example, while the average rate in Hakalau is $1,296.
No matter where you live in Hawaii, you can find affordable coverage by shopping around. Policygenius can help you see quotes from top car insurance
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Hawaii
Insurance costs vary based on factors like where you live, your driving record, and the type of car you drive. Every insurance company has its own formula for determining rates, so you can get different rates from different companies, even for identical coverage.
Company | Average cost | JD Power Rating |
|---|---|---|
GEICO | $65/month | 874 |
State Farm | $81/month | 882 |
USAA | $85/month | 890 |
Island Insurance | $104/month | -- |
Allstate | $112/month | 889 |
Cheapest car insurance companies by age in Hawaii
Younger drivers generally pay more for car insurance coverage than older drivers because their lack of driving experience makes them more of a risk to insure, but in Hawaii insurers aren’t allowed to consider driver age as a factor.
Age | Cheapest company | Average cost |
|---|---|---|
16 | GEICO | $892 |
18 | GEICO | $892 |
21 | GEICO | $785 |
25 | GEICO | $785 |
30 | GEICO | $785 |
35 | GEICO | $785 |
45 | GEICO | $785 |
55 | GEICO | $785 |
60 | GEICO | $785 |
65 | GEICO | $785 |
70 | GEICO | $785 |
Choosing the right car insurance company in Hawaii
Choosing the right car insurance company may seem complicated, but it all comes down to a few simple factors:
Cost: Compare quotes from more than one car insurance company to get the best rate.
Coverage: Higher limits means more protection, so get as much coverage as you can reasonably afford.
Service: Before you pick a policy, research the company’s customer service ratings and available perks, like a mobile app for claims filing or accident forgiveness.
Policygenius makes the process of choosing a car insurance company easy by showing you rates from top insurance companies, so you can make the best choice.
Car insurance rates for drivers with driving violations in Hawaii
The higher the number of driving violations you have on your record, the more you’ll pay for insurance. Accidents or moving violations like speeding tickets signal to car insurance companies that you’re more of a risk to insure.
Violation | GEICO | State Farm | USAA | Island Insurance | Allstate |
|---|---|---|---|---|---|
At-fault accident | $1,176 | $1,163 | $1,257 | $1,723 | $2,055 |
Suspended license | $5,873 | $1,069 | $1,792 | $11,893 | $3,826 |
Open container | $785 | $1,069 | $1,515 | $10,237 | $1,894 |
Expired registration | $785 | $1,069 | $1,071 | $1,369 | $1,894 |
Driving without lights | $785 | $1,069 | $1,023 | $1,369 | $1,894 |
Running a red light | $785 | $1,069 | $1,071 | $1,369 | $1,894 |
Following too closely | $785 | $1,069 | $1,071 | $1,369 | $1,894 |
Hit and run | $5,873 | $1,069 | $2,040 | $11,893 | $3,826 |
Not-at-fault accident | $785 | $975 | $1,023 | $1,251 | $1,346 |
Passing a school bus | $785 | $1,069 | $1,515 | $1,369 | $1,894 |
Reckless driving | $5,873 | $1,069 | $1,515 | $10,237 | $3,826 |
Cheapest car insurance for drivers with a DUI in Hawaii
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,069 |
USAA | $2,040 |
Allstate | $3,826 |
GEICO | $5,873 |
Island Insurance | $11,893 |
Cheapest car insurance for drivers with a speeding ticket in Hawaii
Company | Rates for drivers with speeding tickets |
|---|---|
GEICO | $785 |
State Farm | $1,069 |
USAA | $1,071 |
Allstate | $1,894 |
Island Insurance | $10,237 |
Cheapest car insurance for drivers with bad credit in Hawaii
Hawaii is one of a handful of states where car insurance companies are not allowed to consider a driver’s credit score when setting rates. That means that whether you have poor credit or excellent credit, it won’t affect how much you’ll pay for car insurance coverage.
Car insurance costs in Hawaii cities
Generally, drivers who live in bigger cities pay more for car insurance, so it’s not surprising that Honolulu is the most expensive city in Hawaii for car insurance coverage. Here’s what drivers pay in the 10 biggest cities in Hawaii:
Honolulu: $1,207
Pearl City: $1,210
Hilo: $1,296
Waipahu: $1,221
Kailua: $1,253
Kaneohe: $1,210
Kahului: $1,182
Mililani Town: $1,210
Kihei: $1,182
Kapolei: $1,210
Buying car insurance in Hawaii
Hawaii requires car insurance to register a vehicle and drivers must always have a valid insurance identification card in their car. The minimum amounts required by the state are:
$20,000 per person/$40,000 per accident in bodily injury liability coverage
$10,000 per accident in property damage liability coverage
$10,000 per person in Personal Injury Protection (PIP)
Hawaii is a no-fault state. This means that if you’re hurt in an accident, the costs of your injuries will be paid through your Personal Injury Protection (PIP) even if the other driver was at fault. This does not apply to damage to vehicles or property, those costs will be paid by the insurance of the driver who is determined to be at fault.
Unlike most states, Hawaii also doesn’t allow insurance companies to consider a driver’s age, gender or credit score when calculating their rates.
How to get cheap car insurance in Hawaii
There are a few simple rules to making sure your car insurance stays affordable, no matter who you are:
Be a safe driver: Drive safely and avoid moving violations to earn the best rates
Get multiple quotes: Compare options before you buy so you can be sure you’re getting the best rates
Bundle policies: Buy your auto and home insurance from the same company and save on both policies
Find car insurance in your city:
Frequently asked questions
Who has the cheapest car insurance rates in Hawaii?
GEICO and State Farm have the cheapest average rates in Hawaii, but rates will vary widely from driver to driver, based on where you live and your driving and claims history.
How can I save on my car insurance in Hawaii?
Avoid accidents and violations, bundle your policies, and shop around and compare quotes to save money on car insurance in Hawaii.
Is Hawaii a no-fault state?
Yes, Hawaii is a no-fault state. Each driver’s insurance will pay for any injuries to the driver or passengers in their own car. Note that no-fault applies only to injuries, not vehicles or property, so the at-fault driver’s insurance will still cover any damage to vehicles or property.
Does Hawaii require car insurance?
Hawaii does require car insurance. You must have a minimum of $20,000 per person/$40,000 per accident for bodily injury, $10,000 per person for personal injury, and $10,000 per accident for property.
