With lovely sandy beaches and stunning views, Hawaii is a beautiful state full of exciting things to explore. Unfortunately, it also has the highest cost of living in the United States, but surprisingly, those high prices don’t necessarily extend to the cost of car insurance.
- Key takeaways
- Best car insurance companies in Hawaii
- USAA: Highest customer satisfaction
- State Farm: Best for new drivers
- Progressive: Best for high-risk drivers
- GEICO: Most affordable coverage
- Allstate: Best for coverage options
- Hawaii auto insurance requirements
- How to choose a car insurance provider in Hawaii
- How much does car insurance cost in Hawaii?
- Hawaii car insurance rates by city
- FAQs about car insurance costs in Hawaii
- The best car insurance in Hawaii for customer satisfaction is USAA, which costs $1,055 yearly for comprehensive coverage.
- Drivers with a clean driving record pay an average of $111 monthly in Hawaii.
- Car insurance providers aren’t allowed to factor in credit scores when providing quotes in Hawaii.
Best car insurance companies in Hawaii
Hawaii drivers pay an average of $1,338 a year for full coverage car insurance and $556 for minimum liability coverage. GEICO offered the cheapest average full coverage at $933 annually, while USAA had the lowest minimum liability insurance at $303 per year.
Farmers Insurance was the most expensive full coverage option on our list, averaging $2,040 yearly; Progressive had the highest minimum coverage cost at $900 annually.
|J.D. Power customer satisfaction rating
|Estimated annual full coverage
|Estimated annual minimum liability coverage
USAA: Highest customer satisfaction
USAA had the lowest minimum liability coverage and earned Hawaii’s highest customer satisfaction rating. However, it only had the state’s second-lowest full coverage cost. Only current and former military members and their families are eligible for a policy, but USAA offers standard coverages and discounts if you qualify.
- USAA had the highest customer satisfaction rating in Hawaii.
- It had the lowest minimum liability carrier in the state
- USAA policies are not available to everyone
- You may find more policy options with a competitor
State Farm: Best for new drivers
State Farm had the second-highest costs for full and minimum coverage insurance, at $1,588 and $858 per year, respectively, so new drivers will likely pay more than the state average if they choose State Farm. However, it earned the second-highest customer satisfaction score in the state and offers specific policies and a discount of up to 25% for new drivers.
- State Farm earned a high customer satisfaction score
- It has multiple local agents throughout Hawaii
- State Farm had the second-highest coverage costs in Hawaii
- It does not offer accident forgiveness coverage or gap insurance
Progressive: Best for high-risk drivers
High-risk drivers in Hawaii pay significantly more than the state average, or around $2,034 yearly for car insurance. Progressive could be a good option for those with DUIs, at-fault accidents, or multiple speeding tickets since it might offer better rates to high-risk drivers than other companies. However, it had the highest minimum coverage in Hawaii and the third highest full coverage.
- Progressive has multiple policy options, including for high-risk drivers
- It has multiple agents in the state, though not as many as some competitors
- It has relatively high insurance costs in Hawaii
- Progressive has below-average customer satisfaction, scoring just 809 out of 1,000
GEICO: Most affordable coverage
GEICO offers the lowest-cost option for full coverage car insurance in Hawaii, where customers pay an average of $933 a year for full coverage. It also had the second-lowest minimum coverage behind USAA, costing an average of $339 annually. However, GEICO earned a relatively low customer satisfaction score on our list of the best car insurance companies.
- GEICO had the lowest cost full coverage car insurance in Hawaii
- It has multiple discounts to help you lower your insurance premiums
- GEICO only has one insurance agent in Hawaii, located in Honolulu
- It earned relatively low customer satisfaction scores
Allstate: Best for coverage options
Allstate offers reasonable car insurance prices in Hawaii, averaging $1,398 yearly for full coverage and $675 for minimum coverage. However, it earned the second-lowest customer satisfaction score in the state. That being said, it may be worth looking at Allstate if you need specialty coverages, like gap insurance or accident forgiveness.
- Allstate offers multiple policy options, including a vanishing deductible
- It has multiple insurance agents throughout the state
- Allstate had the second-lowest customer service scores in Hawaii
- Its coverage was more expensive than the state’s average
Hawaii auto insurance requirements
Drivers in Hawaii must carry the following insurance minimums to drive legally in the state:
- $20,000 in bodily injury protection per person
- $40,000 in bodily injury protection per accident
- $10,000 in property damage liability
- $10,000 personal injury protection (PIP)
How to choose a car insurance provider in Hawaii
If you’re looking for a new insurance provider, consider the following:
- Research the company: Research the carrier’s financial stability and ability to pay claims on a website like Standard & Poor’s or AM Best. It’s also wise to check with the Hawaii Department of Commerce and Consumer Affairs or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed in Hawaii and doesn’t have an excessive number of complaints.
- Compare quotes: Get quotes from at least three companies and compare them to ensure policy amounts, coverage options, and discounts are the same or similar. Compare those quotes against your current coverage to ensure you’re protected at the same level.
- Check reviews: Talk to friends and family and check review websites like the Better Business Bureau to see what existing customers say. Some online complaints are expected, but take excessive complaints as a warning to steer clear.
How much does car insurance cost in Hawaii?
The average cost of car insurance in Hawaii is $1,338 a year for full coverage, compared to the national average of $1,582. Minimum coverage in Hawaii costs an average of $556 annually.
Drivers in Mililani are likely to pay the most, an average of $1,626 a year for full coverage. In contrast, Waipahu drivers pay the least, an average of $1,458 yearly.
Even though Hawaii has a high cost of living, car insurance providers aren’t allowed to factor in credit scores when providing quotes in the state. This helps keep prices lower than in other states.
Hawaii car insurance rates by city
The population of your city, among other factors, can often mean higher insurance rates since more drivers on the road are statistically likely to lead to more accidents. Drivers in Mililani, which has a population of 54,091, pay an average of $1,626 yearly for car insurance. However, residents of Waianae, about 30 minutes away and with a population of only 13,614, spend an average of $1,487 annually.
|Avg. annual full-coverage premium
Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.
FAQs about car insurance costs in Hawaii
What are the minimum car insurance coverage requirements in Hawaii?
In Hawaii, the minimum car insurance coverage requirements are $20,000 per person and $40,000 per accident in bodily injury protection, and $10,000 in property damage liability. Drivers must also carry $10,000 in personal injury protection (PIP).
How much does car insurance cost in Hawaii?
Car insurance in Hawaii costs an average of $1,338 yearly for full coverage and $556 annually for minimum coverage.
Which car insurance companies cover Hawaii?
Multiple car insurance companies cover Hawaii, including USAA, State Farm, Progressive, Allstate, and GEICO.
What is the cheapest car insurance company in Hawaii?
GEICO is Hawaii's cheapest full coverage insurance, costing an average of $933 yearly. USAA had the least expensive minimum liability coverage, costing an average of $303 annually.