The best cheap car insurance in Hawaii
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Hawaii drivers pay around $803 a year for car insurance on average, according to the Insurance Information Institute, which is below the national average. Unlike other states, Hawaii does not allow insurance companies to use age, gender, marital status, or credit scores to calculate premiums.
Other factors car insurance companies consider to determine your premium include your location, vehicle type, driving record, previous coverage, and miles driven can all play a role in the amount you'll pay for coverage.
Shopping around for coverage is the best way to make sure you're getting the best price for you. Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.
Minimum car liability insurance requirements in Hawaii
Liability coverage is required by law. If you're involved in an accident, liability insurance covers damage you cause to the other vehicle, driver, and its passengers. If you finance or lease your car, your lender probably requires comprehensive and collision coverage.
Insurance is cheaper in Hawaii because Hawaii does not allow insurance companies to use age, gender, marital status, or credit scores to determine premium rates.
The two main components of liability insurance are bodily injury and property damage, which most states require. Liability insurance also includes uninsured motorist and underinsured motorist coverage, to protect you when an at-fault driver hits you and they have no coverage, or not enough coverage.
Hawaii requires bodily, property, and personal coverage, according to the Insurance Information Institute. Hawaii's minimum liability requirements are 20/40/10, which means up to $20,000 of injury protection for each person involved in an accident, up to $40,000 worth of injuries per incident, and up to $10,000 of property damages per incident.
| Types of liability coverage | Definition |
| Bodily injury (BI) | Injury you cause to others, includes medical expenses, lost wages, and funeral expenses |
| Property damage (PD) | Damage you cause to others' vehicle or property |
| Uninsured motorist (UM) | Protects you when an at-fault driver hits you with no insurance |
| Underinsured motorist (UIM) | Protects you when an at-fault driver hits you with not enough coverage |
Best car insurance for Hawaii drivers with a clean record
For a driver in Hawaii age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premiums |
| USAA* | $113 |
| State Farm | $113 |
| GEICO | $115 |
| Liberty Mutual | $117 |
| Progressive | $134 |
| Allstate | $139 |
*USAA is only for active military, veterans, and their families.
Above data obtained from Savvy, based on 536 policyholders in the state of Hawaii
Best car insurance for Hawaii drivers with one or more accidents
For a driver in Hawaii age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| GEICO | $130 |
| Progressive | $155 |
| State Farm | $158 |
| Allstate | $174 |
Above data obtained from Savvy, based on 536 policyholders in the state of Hawaii
Hawaii car insurance rates by city
Below is the estimated average annual premium of auto insurance policies per household in Hawaii's most populous cities:
| Company | Average annual insurance premium |
| Urban Honolulu | $1,339 |
| East Honolulu | $1,555 |
| Pearl City | $1,454 |
| Hilo | $1,328 |
| Waipahu | $1,426 |
| Kailua | $1,540 |
| Kaneohe | $1,501 |
| Kahului | $1,452 |
| Mililani Town | $1,517 |
| Ewa Gentry | $1,584 |
| Kihei | $1,407 |
| Mililani Mauka | $1,629 |
| Makakilo | $1,549 |
| Schofield Barracks | $1,351 |
| Kapolei | $1,551 |
| Wahiawa | $1,323 |
| Wailuku | $1,435 |
| Royal Kunia | $1,560 |
| Ewa Beach | $1,522 |
| Halawa | $1,489 |
| Waimalu | $1,389 |
| Kailua | $1,373 |
| Waianae | $1,335 |
| Hawaiian Paradise Park | $1,306 |
| Nanakuli | $1,401 |
| Lahaina | $1,391 |
| Waipio | $1,453 |
| Kalaoa | $1,441 |
| Ocean Pointe | $1,627 |
| Kapaa | $1,375 |
| Maili | $1,405 |
| Kaneohe Station | $1,331 |
| Holualoa | $1,402 |
| Waimea | $1,444 |
| Makaha | $1,310 |
| Waihee-Waiehu | $1,522 |
| Aiea | $1,528 |
| Haiku-Pauwela | $1,459 |
| Ahuimanu | $1,528 |
| Hickam Housing | $1,445 |
Data from S&P Global Market Intelligence
Most popular car insurance companies in Hawaii based on market share
The following are the most popular car insurance companies in Hawaii, based on the percentage of insured Hawaii drivers who use them:
| Company | Market share (%) |
| GEICO | 27.84 |
| State Farm | 18.28 |
| USAA* | 11.92 |
| Allstate | 9.19 |
| Progressive | 7.71 |
| Farmers Insurance | 5.54 |
| Tokio Marine | 5.03 |
| Liberty Mutual | 4.93 |
| Island Insurance | 3.13 |
| MS&AD Insurance | 2.19 |
| The Hartford | 1.11 |
| Auto Club Exchange | 1.06 |
| DB Insurance Co. | 0.76 |
| American Family Insurance | 0.33 |
| Fairfax Financial | 0.30 |
| Markel | 0.17 |
| Ocean Harbor Insurance | 0.16 |
| AIG | 0.13 |
| Chubb | 0.09 |
| MetLife | 0.03 |
| Pacific Specialty Insurance Company | 0.03 |
| Travelers | 0.03 |
*USAA is only for active military, veterans, and their families.
Data from S&P Global Market Intelligence
Who gets the best cheap car insurance in Hawaii?
Hawaii does not allow credit score, age, gender, nor marital status to be considered as a determining factors for insurance premiums. Therefore, other factors will weigh more, like your driving history, your driving record, where you live, and type of car you drive.
Companies considering multiple factors differently, so it's critical to shop around. Once you have a few different quotes, you'll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you'll pay out-of-pocket if you get into an accident.
The driver who gets the best deal in Hawaii is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you.