Best Car Insurance in Hawaii for 2025 [Check Out the Top 10 Companies] Car Insurance Guide (Cheap Rates + Best Companies)
Geico, State Farm, and Allstate provide the best car insurance in Hawaii, beginning at $16/month. Geico ranked 1st for its low rates and 25% bunding discount. State Farm is known for its helpful agents and exceptional customer service, while Allstate provides comprehensive coverage tailored to drivers in Hawaii.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Feb 4, 2025
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Company Facts
Full Coverage in Hawaii
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Hawaii
A.M. Best Rating
Complaint Level
Pros & Cons
The best car insurance in Hawaii includes Geico, State Farm, and Allstate, with rates starting at $16 per month. These providers are renowned for offering affordable rates and excellent customer service.
Moreover, these companies offer comprehensive coverage suitable to the vehicle needs of the residents and drivers in Hawaii.
Our Top 10 Company Picks: Best Car Insurance in Hawaii
Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 25% | A++ | Low Rates | Geico | |
#2 | 17% | B | Local Agents | State Farm | |
#3 | 25% | A+ | Comprehensive Coverage | Allstate | |
#4 | 10% | A+ | Customizable Plans | Progressive | |
#5 | 10% | A++ | Military Families | USAA | |
#6 | 20% | A | Personalized Service | Farmers | |
#7 | 25% | A | Coverage Add-Ons | Liberty Mutual | |
#8 | 20% | A+ | Claims Satisfaction | Nationwide | |
#9 | 25% | A | Family Discounts | American Family | |
#10 | 13% | A++ | Discount Programs | Travelers |
We will look at everything from types of car insurance coverage and rates, insurance providers in Hawaii, state laws particular to only Hawaii, and much more. Enter your ZIP code now to start comparing rates.
- Geico, State Farm, and Allstate provide the best car insurance in Hawaii
- Geico is the best option for its affordable and budget-friendly rates
- State Farm and Allstate offer great customer service and assistance
#1 – Geico: Top Overall Pick
Pros
- Cheaper Rates for Drivers: Hawaii residents can enjoy the most budget-friendly option in the state. Learn more about this provider and whether Geico will insure a car not in your name.
- Generous Discounts for Policyholders: Geico provides a 25% bundling discount for the accessibility of the residents’ coverage.
- Convenient Online Management: Handling policies and claims are now with ease with digital tools.
Cons
- Fewer Local Agents: Despite the affordability, assistance from in-person service is not widely available.
- Mixed Customer Feedback: Drivers in Hawaii report inconsistent experiences with claims resolution.
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#2 – State Farm: Best for Local Agents
Pros
- Strong Agent Network: Residents of Hawaii can benefit from the exceptional assistance of dedicated representatives.
- Claims Processing Efficiency: Customers in Hawaii report a hassle-free transaction when filing their claims.
- Opportunities for Multiple Discounts: The discounts like for safe drivers and students can help pay lower insurance costs.
Cons
- Higher Premiums in Region: The amount of insurance tends to be more expensive than that of other providers.
- Less Digital Convenience: More direct contact with agents is required to manage policies. Learn more about this through our State Farm car insurance review.
#3 – Allstate: Best for Comprehensive Coverage
Pros
- Extensive Coverage Choices: Flexible policies are offered to fit various needs, such as accident forgiveness. Review more of these coverage through our Allstate car insurance review.
- Bundling Discounts for Households: Home and auto insurance combination maximizes your savings.
- Safe-Driving Reward: The Drivewise program helps reduce the cost of responsible motorists for long-term residents.
Cons
- Costly Rates for Young: Young and high-risk drivers may experience expensive or higher costs for them to pay.
- Incompetent Discounts: Geico and USAA often provide more significant discounts, making it less competitive than other rivals.
#4 – Progressive: Best for Customizable Plans
Pros
- Hawaii Drivers Specialized Coverage: Provides unique add-ons, including rideshare insurance.
- Safe-Driving Discounts: Good driving behavior is rewarded by the Snapshot program. For your guidance, visit our Progressive car insurance review.
- Competitive Pricing: Drivers in Hawaii with past violations may enjoy a cheaper premium.
Cons
- Increasing Possible Rate: After a few years, some policyholders will see premium hikes at renewal.
- Slow Claims Processing: Hawaii drivers will be frustrated by the slow claims resolution.
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#5 – USAA: Best for Military Families
Pros
- Military Members Tailored Policies: This feature is designed to satisfy the unique needs of service members and veterans.
- Exceptional Customer Service: USAA is highly rated for handling claims and policy support. Find more details through our USAA car insurance review.
- Active-Duty Drivers Exclusive Savings: Deployed personnel and vehicle storage may enjoy special discounts.
Cons
- Hawaii Residents Eligibility Limitation: The eligibility is limited and only available to military members, veterans, and their families.
- Fewer Physical Locations: Customers may need to rely on online or phone support since in-person assistance is lacking.
#6 – Farmers: Best for Personalized Service
Pros
- Hawaii Drivers Customizable Plans: The unique variety of add-ons allows policyholders to choose their coverages.
- Enhanced Protection: Benefits like new car replacements help protect residents in coastal and urban areas against unforeseen accidents.
- Multi-Policy Households Bundling Discount: Major savings can be achieved when you combine auto, home, and life insurance.
Cons
- Higher Rates: Compared to some online first insurers, the rate may be less competitive for budget-conscious drivers.
- Hawaii Customers Discount Restrictions: Some saving programs have strict eligibility requirements. View other details through our Farmers car insurance review.
#7 – Liberty Mutual: Best for Coverage Add-Ons
Pros
- Extensive Optional Protections: Hawaii drivers can enjoy other coverage, including benefits like better car replacement.
- Long-Term Policyholders Accident Forgiveness: Helps prevent the increasing premium after an at-fault claim.
- Safe Drivers Strong Discounts: Drivers in Hawaii with a clean record can enjoy competitive rates.
Cons
- Regional Competitors Higher Premiums: Compared with Geico or USAA, the rates may be higher.
- Customer Service Reviews: Some drivers in Hawaii report delays in claims handling and processing. Take a look and visit at our Liberty Mutual car insurance review.
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#8 – Nationwide: Best for Claims Satisfaction
Pros
- Efficient Claims Processing: Customers in Hawaii praise fast and efficient claim resolutions. See other details through our Nationwide car insurance review.
- Safe Driving Vanishing Deductible: The benefit of vanishing deductible for safe driving reduces the amount you pay over time.
- Flexible Policy Adjustments: Hawaii households and residents may enjoy various add-ons provided for greater customization of coverage.
Cons
- Not The Most Budget-Friendly: Premiums offered tend to be higher than other providers, making it not the cheapest option in the state.
- Strict Qualification Rules: Some discounts and savings programs may be limited and inaccessible, unlike other top providers.
#9 – American Family: Best for Family Discounts
Pros
- Multi-Vehicle Discounts: Hawaii’s Families and residents can significantly save a lot if they have multiple cars.
- Personalized Support for Locals: Local agents in Hawaii offer policyholders hands-on assistance and help.
- Young Motorists Programs: This teen discount program helps reduce the cost of insuring teenage drivers.
Cons
- Limited Availability: American Family may not be as broad or widely accessible as Geico or State Farm. Compare rates through our American Family vs. Liberty Mutual review.
- Essential Online Tools: For policy management, digital features are not as advanced as some competitors.
#10 – Travelers: Best for Discount Programs
Pros
- Wide Range of Discounts: Local drivers may enjoy various savings programs, including multi-policy, safe driving, and home bundling.
- Usage-Based Insurance: Aside from lower premiums, the IntelliDrive program rewards good drivers and driving habits.
- Competitive Eco-Friendly Cars Pricing: In Hawaii, hybrid and electric vehicle owners can enjoy better and cheaper rates.
Cons
- Younger Drivers Premiums: Drivers below 25 years old may face higher or more expensive coverage. To expand your knowledge, read our car insurance with telematics guide.
- Customer Service Quality: The quality of help and assistance varies depending on the agent in some locations.
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Car Insurance Coverage and Rates in Hawaii
This section will help you understand your car insurance plan to save big. Hawaii requires drivers to have insurance, but choosing the best strategy and coverage can be overwhelming.
Hawaii Car Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$43 | $118 | |
$30 | $82 | |
$36 | $99 | |
$22 | $59 | |
$47 | $128 | |
$31 | $84 | |
$29 | $78 | |
$23 | $64 | |
$27 | $72 | |
$16 | $44 |
In Hawaii, personal injury protection coverage is required to legally drive. Meanwhile, MedPay and uninsured/underinsured motorist coverage are optional.
Medical payments (MedPay), personal injury protection, and uninsured/underinsured motorist coverage are additional forms of liability coverage that are available.
Car Insurance Discounts From the Top Providers in Hawaii
Insurance Company | Available Discounts |
---|---|
Multi-policy, early signing, new car, good student, safe driver, anti-theft devices | |
Multi-vehicle, early bird, good student, safe driving, loyalty, generational | |
Multi-vehicle, good driver, alternative energy, good student, home and auto bundling | |
Multi-policy, safe driver, vehicle equipment, military, good student, emergency deployment | |
Bundling, right track (telematics), low-mileage driver, newly married, good student | |
Multi-policy, SmartRide (telematics), accident-free, good student, defensive driving | |
Snapshot (telematics), multi-policy, continuous insurance, safe driver, home and auto bundling | |
Accident-free, defensive driving, good student, multi-line, safe vehicle | |
Safe driver, bundling, hybrid/electric vehicle, new car replacement, home and auto bundling | |
Military, good student, vehicle storage, safe driver, multi-vehicle |
We’ve explained some of the most essential coverage and rate information for Hawaii that you’ll need to know. From the minimum car insurance coverage you’ll need, rates by zip code and city.
Minimum Car Insurance Coverage Requirements in Hawaii
Hawaii requires all drivers to have a minimum level of insurance coverage in order to drive. This ensures that all drivers have the ability to pay off the cost of an accident, should it occur.
Hawaii Minimum Auto Insurance Coverage Requirements
Coverage | Limits |
---|---|
Bodily Injury Liability | $20,000 / $40,000 |
Property Damage Liability | $10,000 |
This includes $20,000 for bodily injury liability per person, $40,000 for total bodily injury liability if multiple people are injured, $10,000 for property damage liability, and $10,000 for personal injury protection.
Average Monthly Auto Insurance Premiums in Hawaii by Provider
Insurance Company | Monthly Premium |
---|---|
$120 | |
$115 | |
$110 | |
$95 | |
$125 | |
$105 | |
$100 | |
$90 | |
$110 | |
$85 |
While these amounts provide basic coverage, they are only the legal minimum and may not be sufficient in a serious accident.
Medical bills, vehicle repairs, and legal costs can quickly exceed these limits, leaving you financially vulnerable. Compare rates conveniently by entering your ZIP code.
Factors Affecting Monthly Car Insurance Rates in Hawaii
Demographics can significantly impact your car insurance rates by state. Age, gender, ZIP code, and city, in particular, can affect the price tag on your policy. See the details below to understand better how it affects your costs.
Hawaii Auto Insurance Monthly Rates by Provider, Age, & Gender
Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
---|---|---|---|---|---|---|---|---|
$250 | $270 | $150 | $170 | $120 | $130 | $110 | $120 | |
$240 | $260 | $145 | $165 | $115 | $125 | $105 | $115 | |
$245 | $265 | $148 | $168 | $118 | $128 | $108 | $118 | |
$200 | $220 | $130 | $150 | $95 | $105 | $85 | $95 | |
$260 | $280 | $155 | $175 | $125 | $135 | $115 | $125 | |
$230 | $250 | $140 | $160 | $110 | $120 | $100 | $110 | |
$220 | $240 | $135 | $155 | $100 | $110 | $90 | $100 | |
$210 | $230 | $130 | $150 | $90 | $100 | $80 | $90 | |
$235 | $255 | $140 | $160 | $110 | $120 | $100 | $110 | |
$195 | $215 | $125 | $145 | $85 | $95 | $75 | $85 |
Some providers increase their rates slightly for single drivers (17 and 25-year-olds), such as Farmers Ins HI Standard. Others charge the same rate across the board, such as Allstate, Geico Govt Employees, and State Farm Mutual Auto.
Hawaii Auto Insurance by ZIP Code
ZIP Code | Rates |
---|---|
96701 | $120 |
96703 | $96 |
96706 | $110 |
96720 | $115 |
96740 | $125 |
96744 | $118 |
96746 | $105 |
96753 | $130 |
96760 | $112 |
96817 | $140 |
Remember that you can save significantly by asking about auto insurance discounts. This can be especially helpful if you have a teenage driver on your policy.
Hawaii Auto Insurance Monthly Rates by Vehicle & Coverage Level
Make & Model | Minimum Coverage | Full Coverage |
---|---|---|
2024 Buick Envision | $115 | $180 |
2024 Chevrolet Trailblazer | $110 | $170 |
2024 Ford Bronco Sport | $120 | $190 |
2024 Honda Passport | $125 | $200 |
2024 Hyundai Venue | $105 | $160 |
2024 Kia Soul | $100 | $155 |
2024 Mazda CX-5 | $115 | $175 |
2024 Nissan Kicks | $110 | $165 |
2024 Subaru Crosstrek | $115 | $180 |
2024 Toyota Corolla Cross | $105 | $160 |
Most major insurers offer bundling discounts if you choose to buy an auto policy along with a life insurance or homeowners insurance policy.
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Best Car Insurance Companies in Hawaii
Geico, State Farm, and Allstate are known as Hawaii’s best car insurance companies for their cheap and budget-friendly rates, excellent customer service, and comprehensive options.
Hawaii Auto Insurance Monthly Rates by Coverage Level for Top Providers
Insurance Company | Low | Medium | High |
---|---|---|---|
$120 | $150 | $180 | |
$110 | $140 | $170 | |
$115 | $145 | $175 | |
$95 | $125 | $155 | |
$125 | $160 | $190 | |
$105 | $135 | $165 | |
$100 | $130 | $160 | |
$90 | $120 | $150 | |
$110 | $140 | $170 | |
$85 | $115 | $145 |
When looking for the best car insurance in Hawaii, it is included to compare rates, understand coverage options, and choose a company that provides your vehicle needs.
It is also pivotal to consider various factors, aside from demographics, like your history of driving and location, which can directly affect your car insurance rates.
As you compare car insurance options, get quotes from multiple companies to find the top coverage at the lowest price. Also, consider choosing more than the state minimum coverage to protect yourself from unexpected costs in case of an accident.Kristen Gryglik Licensed Insurance Agent
To secure the best policy for your budget and needs, enter your ZIP code and compare quotes from top insurers today.
Read more: Car Insurance Guide
Frequently Asked Questions
What factors make Geico, State Farm, and Allstate the top car insurance providers in Hawaii?
Geico, State Farm, and Allstate rank as Hawaii’s top car insurance providers due to their affordable rates, customer service, and comprehensive coverage options. They offer the best car insurance in Hawaii and cheap car insurance at Hawaii rates.
What are the minimum auto insurance coverage requirements in Hawaii, and why are they important?
Hawaii requires drivers to have a minimum of $20,000 the bodily injury liability per person, $40,000 per accident, $10,000 for your expense in property damage liability, and $10,000 for your personal injury protection to meet the Hawaii car insurance requirements and ensure financial vulnerability in case of accidents.
Read more: How Much Insurance Do I Need for My Car?
How do demographic factors such as age, gender, and ZIP code impact car insurance rates in Hawaii?
Car insurance rates in Hawaii vary based on age, gender, and ZIP code, with younger drivers and certain areas experiencing higher premiums, particularly in Honolulu car insurance, due to risk factors and how much is car insurance in Hawaii. To start getting low rates, enter your ZIP code now.
What additional coverage options, like MedPay and uninsured/underinsured motorist coverage, are available for Hawaii drivers?
Hawaii drivers can opt for additional coverage like MedPay and uninsured/underinsured motorist coverage, which provide extra financial protection in case of medical expenses or accidents with uninsured drivers. It is essential to compare Hawaii auto insurance quotes and find Hawaii auto insurance that fits their needs.
How does bundling insurance policies, such as auto and home insurance, help policyholders save money?
Bundling auto insurance with home, renters, or life insurance can help policyholders save money through multi-policy discounts offered by many insurers, making it easier to find cheap auto insurance in Hawaii. Learn more about rates by entering your ZIP code.
What are the pros and cons of choosing a local insurance agent (like with State Farm) versus a direct provider (like Geico)?
Choosing a local agent, like State Farm, offers personalized service and guidance. At the same time, direct providers like Geico often provide lower rates and online convenience, helping you find cheap full coverage car insurance in Hawaii or Hawaii auto insurance quotes.
Which insurance companies in Hawaii offer the best discounts, and what qualifications are needed to obtain them?
Top insurance companies in Hawaii offer discounts for bundling policies, safe driving, good student status, and military service, among other factors, helping to lower the cost of Hawaii auto insurance and find the cheapest car insurance in Hawaii.
Why is the legal minimum coverage in Hawaii often not enough, and what additional coverage is recommended?
Hawaii’s minimum coverage may not be enough in fatal accidents, as medical bills and vehicle repairs can be very expensive, leaving drivers financially vulnerable and highlighting the importance of understanding the Hawaii auto insurance minimum requirements. Enter your ZIP code now to understand more.
How do customer satisfaction ratings, such as A.M. Best ratings and complaint levels, influence insurance provider rankings?
A.M. Best ratings and complaint levels help assess an insurance provider’s financial stability and customer service quality, influencing consumer trust and satisfaction when choosing the cheapest Hawaii or Hawaii car insurance.
Read more: 7 Benefits of Teaching Your Teen to Drive
What makes USAA the best option for military families, and are there any specific eligibility requirements?
USAA is the best option for military families due to its specialized coverage, lower rates, and exclusive benefits. Still, it is only available to active duty veterans and their families and offers competitive Hawaii car insurance quotes for military members.