Meta Description: Geico offers the cheapest car insurance in Hawaii with average monthly rates of just $22 for minimum-coverage policies and $103 for full coverage.
Cheapest Car Insurance in Hawaii
Key Takeaways:
- Geico offers the cheapest rates in Hawaii with minimum-coverage policies that are 42% cheaper and full-coverage policies that are 22% cheaper than state averages.
- On average, a minimum-coverage policy in Hawaii costs $455 annually, while a full coverage policy costs $1,581 annually.
- Hawaii is the 4th cheapest state for minimum coverage and 3rd cheapest for full.
In spite of recent rate increases due mostly to inflation and the rising cost of vehicle repairs, Hawaii is still one of the most affordable states for car insurance. In fact, it ranks in the top five cheapest states for both minimum- and full-coverage policies, according to our research.
To help you find the best price on Hawaii car insurance, we team compiled a comprehensive view of the cheapest rates and providers in the Aloha State.
Hawaii Car Insurance at a Glance: Hawaii is a no-fault state, which means each party involved in an accident will seek financial compensation from their individual auto insurers, regardless of who caused the accident. Drivers in the Aloha State are required the following amounts of insurance:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $10,000 in property damage liability
- $10,000 in personal injury protection (PIP)
Cheapest Car Insurance Companies in Hawaii
Geico offers the cheapest rates in Hawaii for both minimum- and full-coverage policies. USAA, Island Insurance Companies, Farmers and Allstate round out the list of the five cheapest car insurance companies in Hawaii, as you can see from the average rates listed below.
Unless specified otherwise, rates are for a 35-year-old driver with good credit and no driving violations who is insuring a 2023 Toyota Camry.
| Cheapest Car Insurance Company in Hawaii | Average Monthly Minimum-Coverage Rate | Average Monthly Full-Coverage Rate |
| Geico | $22 | $103 |
| USAA | $26 | $105 |
| Island Insurance | $35 | $148 |
| Farmers | $36 | $123 |
| Allstate | $43 | $149 |
Read on to learn more about the cheapest car insurance companies in Hawaii by driver profile, coverage level, age group and city.
Cheapest Car Insurance Rates in Hawaii: Driver Profile
To help you find the cheapest rates for you, below we’ve outlined the lowest rates for a handful of different driver groups.
| Cheap Hawaii Car Insurance Category | Cheapest Monthly Car Insurance Rate in Hawaii | Hawaii Average Monthly Minimum-Coverage Rate |
| Teens (16-year-olds): USAA | $26 | $43 |
| Young Adults (25-year-olds): Geico | $23 | $39 |
| Adults (35-year-olds): Geico | $22 | $38 |
| Seniors (65-year-olds): Geico | $23 | $39 |
| After a Speeding Ticket: Geico | $22 | $47 |
| After an Accident: USAA | $32 | $55 |
| After a DUI: State Farm | $49 | $136 |
Cheapest Car Insurance Coverage in Hawaii
Understandably, the amount of car insurance you buy will have the biggest impact on your rate. Minimum-coverage policies cost a lot less than full coverage, but it’s important to note that they offer a lot less protection as well.
In the following section, you’ll find more information about minimum- and full-coverage policies and the cheapest Hawaii rates and providers for each type.
Cheapest Hawaii Minimum-Coverage Auto Insurance: Geico
Hawaii Average Minimum-Coverage Cost: $38 per month
Geico offers the lowest rates on minimum coverage at $22 per month on average — 42% cheaper than the state average.
| Cheapest Hawaii Car Insurance Company | Average Monthly Minimum-Coverage Rate | Monthly Savings Compared to Hawaii Average |
| Geico | $22 | 42% |
| USAA | $26 | 32% |
| Island Insurance | $35 | 8% |
| Farmers | $36 | 5% |
| Allstate | $43 | +13% |
Cheapest Hawaii Full-Coverage Auto Insurance: Geico
Hawaii Average Full-Coverage Cost: $132 per month
Geico also offers the lowest rates on full coverage at an average of $103 per month, which is 22% cheaper than the state average of $132.
| Cheapest Hawaii Car Insurance Company | Average Monthly Full-Coverage Rate | Monthly Savings Compared to Hawaii Average |
| Geico | $103 | 22% |
| USAA | $105 | 20% |
| Farmers | $123 | 7% |
| Progressive | $129 | 2% |
| Island Insurance | $148 | +12% |
Cheapest Car Insurance by Age in Hawaii
Car insurance rates vary by driver age, with teens and seniors typically paying the most on average. Below we outline the cheapest rates and providers for each age group.
Cheapest Hawaii Auto Insurance for Teens: USAA
Hawaii Minimum-Coverage Average for Teen Drivers: $43 per month
Hawaii Full-Coverage Average for Teen Drivers: $144 per month
USAA offers the cheapest rates for teen drivers. At an average of $26 per month, minimum coverage is 40% less than the state average. And at $108 per month, full coverage is 25% less than the state average.
| Cheapest Hawaii Car Insurance Company | Average Monthly Minimum-Coverage Rate |
| USAA | $26 |
| Geico | $26 |
| Farmers | $37 |
| Island Insurance | $37 |
| Allstate | $44 |
| Cheapest Hawaii Car Insurance Company | Average Monthly Full-Coverage Rate |
| USAA | $108 |
| Geico | $113 |
| Farmers | $123 |
| Allstate | $146 |
| Island Insurance | $148 |
*Rates are for 16-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Hawaii Auto Insurance for Young Adults: Geico
Hawaii Minimum-Coverage Average for Young Adults: $39 per month
Hawaii Full-Coverage Average for Young Adults: $132 per month
Geico has the cheapest rates for drivers in their 20s at an average of $23 per month for minimum coverage and $101 per month for full coverage.
See the cheapest rates for 25-year-old drivers below.
| Cheapest Hawaii Car Insurance Company | Average Monthly Minimum-Coverage Rate |
| Geico | $23 |
| USAA | $26 |
| Farmers | $37 |
| Island Insurance | $37 |
| Allstate | $44 |
| Cheapest Hawaii Car Insurance Company | Average Monthly Full-Coverage Rate |
| Geico | $101 |
| USAA | $108 |
| Farmers | $123 |
| Progressive | $129 |
| Allstate | $146 |
*Rates are for 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Hawaii Auto Insurance for Adults: Geico
Hawaii Minimum-Coverage Average for Adults: $38 per month
Hawaii Full-Coverage Average for Adults: $132 per month
For drivers in their 30s, Geico is also the cheapest provider. Minimum coverage with Geico costs an average of $22 per month — 42% cheaper than the state average. Full coverage with Geico costs an average of $103 per month — 22% cheaper than Hawaii’s average.
See the cheapest rates for 35-year-old drivers below.
| Cheapest Hawaii Car Insurance Company | Average Monthly Minimum-Coverage Rate |
| Geico | $22 |
| USAA | $26 |
| Island Insurance | $35 |
| Farmers | $36 |
| Allstate | $43 |
| Cheapest Hawaii Car Insurance Company | Average Monthly Full-Coverage Rate |
| Geico | $103 |
| USAA | $105 |
| Farmers | $123 |
| Progressive | $129 |
| Island Insurance | $148 |
*Rates are for 35-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Hawaii Auto Insurance for Seniors: Geico
Hawaii Minimum-Coverage Average for Seniors: $39 per month
Hawaii Full-Coverage Average for Seniors: $132 per month
Geico also has the cheapest rates for senior drivers at $23 per month on average for minimum coverage and $101 per month on average for full coverage. When compared with state averages, that’s a savings of 41% on minimum coverage and 23% on full coverage.
See the cheapest rates for 65-year-old drivers below.
| Cheapest Hawaii Car Insurance Company | Average Monthly Minimum-Coverage Rate |
| Geico | $23 |
| USAA | $26 |
| Farmers | $37 |
| Island Insurance | $37 |
| Allstate | $44 |
| Cheapest Hawaii Car Insurance Company | Average Monthly Full-Coverage Rate |
| Geico | $101 |
| USAA | $108 |
| Farmers | $123 |
| Progressive | $129 |
| Allstate | $146 |
*Rates are for 65-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Car Insurance for High-Risk Drivers in Hawaii
Expert Tip
In Hawaii, most driving violations — including speeding tickets — will stay on your record for 10 years. But that doesn’t necessarily mean that it will affect your rates for that whole length of time, since most insurers only check back three to five years. Accidents will remain on your record for four years.
Cheapest Hawaii Auto Insurance After a DUI: State Farm
Hawaii Minimum-Coverage Average After a DUI: $136 per month
Hawaii Full-Coverage Average After a DUI: $240 per month
In Hawaii, a DUI will stay on your record for five years and can cause your rate to increase by a whopping 258%. State Farm has the cheapest rates for drivers with a DUI at an average of $49 per month for minimum coverage and $181 per month for full coverage.
| Cheapest Hawaii Car Insurance Company | Average Monthly Minimum-Coverage Rate |
| State Farm | $49 |
| USAA | $51 |
| Farmers | $61 |
| Progressive | $97 |
| Geico | $172 |
| Cheapest Hawaii Car Insurance Company | Average Monthly Full-Coverage Rate |
| State Farm | $181 |
| USAA | $211 |
| Progressive | $214 |
| Farmers | $214 |
| Allstate | $380 |
*Rates are for a 35-year-old driver with good credit and who owns a 2023 Toyota Camry.
Cheapest Hawaii Auto Insurance After an Accident: USAA
Hawaii Minimum-Coverage Average After an Accident: $55 per month
Hawaii Full-Coverage Average After an Accident: $185 per month
An accident will stay on your record in Hawaii for four years and can cause your rate to increase by 45%. USAA has the cheapest rates for drivers following an accident at an average of $32 per month for minimum coverage and $130 per month for full coverage.
| Cheapest Hawaii Car Insurance Company | Average Monthly Minimum-Coverage Rate |
| USAA | $32 |
| Geico | $34 |
| Island Insurance | $48 |
| State Farm | $54 |
| Farmers | $58 |
| Cheapest Hawaii Car Insurance Company | Average Monthly Full-Coverage Rate |
| USAA | $130 |
| Geico | $152 |
| Progressive | $190 |
| Island Insurance | $197 |
| State Farm | $197 |
*Rates are for a 35-year-old driver with good credit and who owns a 2023 Toyota Camry.
Cheapest Hawaii Auto Insurance After a Speeding Ticket: Geico
Hawaii Minimum-Coverage Average After a Speeding Ticket: $47 per month
Hawaii Full-Coverage Average After a Speeding Ticket: $155 per month
A speeding ticket will stay on your Hawaii driving record for 10 years but will only impact your rate for three to five years, depending on the insurer. A single ticket on your record can result in a rate increase of 24%. Geico has the cheapest rates following a speeding ticket at an average of $22 per month for minimum coverage and $103 per month for full coverage.
| Cheapest Hawaii Car Insurance Company | Average Monthly Minimum-Coverage Rate |
| Geico | $22 |
| USAA | $27 |
| Island Insurance | $38 |
| Farmers | $44 |
| State Farm | $49 |
| Cheapest Hawaii Car Insurance Company | Average Monthly Full-Coverage Rate |
| Geico | $103 |
| USAA | $110 |
| Farmers | $149 |
| Island Insurance | $160 |
| Progressive | $174 |
*Rates are for a 35-year-old driver with good credit and who owns a 2023 Toyota Camry.
Cheapest Car Insurance by City in Hawaii
Car insurance is typically more expensive in large cities and urban areas than it is in smaller towns and rural areas. The cheapest cities in Hawaii for car insurance are Kalaheo, Kapaa and Lihue at an average of $198 annually for minimum coverage. Conversely, the most expensive city is Honolulu at an average of $283 annually for the same coverage.
| City in Hawaii | Cheapest Hawaii Car Insurance Company | Average Monthly Minimum-Coverage Rate |
| Captain Cook | Geico | $259 |
| Ewa Gentry | Geico | $275 |
| Haiku-Pauwela | Geico | $252 |
| Hawaiian Paradise Park | Geico | $259 |
| Hilo | Geico | $259 |
| Honolulu | Geico | $283 |
| Kahului | Geico | $252 |
| Kailua | Geico | $267 |
| Kalaheo | Geico | $198 |
| Kaneohe | Geico | $275 |
| Kapaa | Geico | $198 |
| Kapolei | Geico | $275 |
| Kihei | Geico | $252 |
| Kula | Geico | $252 |
| Lahaina | Geico | $252 |
| Laie | Geico | $275 |
| Lihue | Geico | $198 |
| Mililani Town | Geico | $275 |
| Pearl City | Geico | $275 |
| Pukalani | Geico | $252 |
| Volcano | Geico | $259 |
| Wahiawa | Geico | $275 |
| Waianae | Geico | $275 |
| Waikoloa Village | Geico | $259 |
| Wailuku | Geico | $252 |
| Waimalu | Geico | $275 |
| Waimanalo | Geico | $275 |
| Waimea | Geico | $259 |
| Waipahu | Geico | $275 |
How To Get Cheap Hawaii Car Insurance
Below are a handful of tried and true tips for finding the cheapest Hawaii car insurance.
1. Compare Car Insurance Quotes
Financial risk: None
As with many things, the trick to getting the best deal on car insurance is simply to shop and compare rates. Auto insurers are constantly calibrating their rates based on a number of complex triggers — so the only way to know who’s cheapest at any given time is to get quotes.
Additionally, some insurers offer better rates for certain driver groups. In Hawaii, for example, USAA has the cheapest rates for teen drivers and drivers with an accident, but Geico has cheaper rates for most adult drivers with a clean record. So the only way to find the best price for you is to compare quotes from at least three to five car insurance companies.
2. Apply Car Insurance Discounts
Potential financial risk increase: None
When comparing quotes, be sure to keep a close eye on the discounts offered by each company as well. While most car insurance discounts are similar from insurer to insurer, the amounts might vary considerably.
Here are a few discounts to look out for in the Aloha State:
- Military discounts: With approximately 36,161 active-duty military members in Hawaii, a decent number of residents qualify for military discounts. Many insurance companies offer discounts of up to 25% for military members, and USAA offers some of the cheapest rates in Hawaii for active duty and retired military along with their families.
- Anti-theft device: As with most states, car thefts in Hawaii are mostly centralized in large urban areas. According to local news channel Khon 2, almost nine vehicles were stolen per day in Honolulu in 2023. Many insurers offer discounts of 5% to 25% for simply having an anti-theft device in your vehicle — remote disabling, vehicle tracking or VIN etching, for example.
3. Raise Your Deductible
Potential financial risk increase: Minimal
As a general rule of thumb, the higher you set your deductible, the lower your monthly premium will be. In fact, according to Progressive, raising your deductible from $100 to $500 could result in 25% savings over a six-month period.
Most major insurers make it easy to make changes to your policy online. Just log into your policy and edit your deductible amounts. Or you can call your agent if you’d prefer. Just make sure not to raise your deductible to an amount that would be difficult to come up with on a moment’s notice.
4. Drop Coverage Add-Ons
Potential financial risk increase: Minimal
Some key coverages – like comprehensive, collision and MedPay — are critical to remaining financially protected. Other optional coverages — like emergency roadside assistance and rental car coverage — are nice extras but not necessarily essential. Take a close look at your existing policy to see if there are a handful of add-on coverages that you could easily live without. If so, you can drop these to see a small decrease in your monthly premium.
5. Consider a Telematics Program
Potential financial risk increase: Moderate
Telematics programs have become an increasingly popular way to save money on car insurance. Using a smartphone app or telematics device, these programs monitor your driving and then set your rate based on that data.
If you’re a safe and responsible driver and don’t rack up a lot of miles each year, a telematics program — also known as usage-based insurance (UBI) — could help you save money on car insurance. Just keep in mind that your rate will be based on your driving within a given time frame so it could just as easily go up as down.
Geico, USAA, Allstate and Farmers all offer UBI programs in Hawaii.
6. Reduce Your Coverage Limits
Potential financial risk increase: Severe
Cutting key coverages like collision insurance and medical payments coverage could save you quite a bit month over month, but it also leaves you dangerously unprotected in the event of an accident. If you only have minimum coverage in Hawaii, your vehicle is left unprotected. This means that if it’s damaged, totaled or stolen, you’re on the hook for repairing or replacing it out of your own pocket. If you don’t have a lot of money saved up for such emergencies, this could result in financial hardship or — in worst case scenarios — financial devastation.
So be very careful when considering which coverages to keep and which to cut.
Hawaii Car Insurance Trends: What You Need To Know
Car insurance rates have recently gone up a bit in Hawaii – due mostly to inflation and the rising cost of repairs nationwide. But the good news for Hawaiian drivers is that car insurance in the Aloha State still remains relatively cheap compared with national averages.
How Expensive Is Hawaii Car Insurance?
Despite recent inflation-based rate increases, Hawaii is still one of the most affordable states for car insurance. On average, a minimum-coverage policy in Hawaii costs $455 annually, while a full-coverage policy costs $1,581 annually. Compared with national averages of $869 and $2,681 respectively, Hawaii is the 4th cheapest state for minimum coverage and 3rd cheapest for full.
Why Is Hawaii Car Insurance So Cheap?
Car insurance rates remain lower in Hawaii than they do in most other states for a few key reasons that we’ll outline below.
- Lower minimum liability requirements: While most states require liability insurance to drive legally, the minimum limits vary by state. Hawaii has some of the lowest limits at just $20,000/$40,000/$10,000. While legislation to increase these limits is currently being processed, for the time being, they remain lower than in most other states — which means that average rates are lower as well.
- Fewer billion-dollar disasters: In recent years, rates have increased in many parts of the continental U.S. due directly to a correlated increase in expensive weather events. While Hawaii is not completely immune from natural disasters (as recent wildfires and tropical storms indicate), it has fewer large-scale events than many other states. According to the National Oceanic and Atmospheric Administration (NOAA), Hawaii had zero billion-dollar weather events between 1993 and 2023. And in the past five years, the state’s only had .02. Compare that to a state like Texas with 11 billion-dollar weather events in just the last five years, and it’s easy to see why rates are lower in Hawaii than in other parts of the country.
Cheap Auto Insurance in Hawaii: The Bottom Line
Geico, USAA, Island Insurance Companies, Farmers and Allstate all offer the cheapest car insurance rates in Hawaii. To find the lowest rate for you, we recommend comparing quotes from numerous companies, maxing out your discounts and dropping any optional coverages that you could live without.
Sunrise Over Moraine Lake