The best car insurance in Hawaii

Nicole WakelinRachael Brennan headshot

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Updated|3 min read

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The average cost of a full coverage car insurance policy in Hawaii is $1,200 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 $1,287.

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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

Key takeaways

  • GEICO has the lowest average for a full coverage car insurance policy in Hawaii at $785 per year

  • Hawaii requires a minimum of $20,000 per person/$40,000 per accident in bodily injury coverage and $10,000 per accident in property damage liability coverage

  • Hawaii is also a no-fault state, and requires drivers have at least $10,000 in PIP

  • Insurance companies aren’t allowed to consider your age, credit score or gender when calculating your rates in Hawaii

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

$785

871

State Farm

$987

881

USAA

$1,023

890

Island Insurance

$1,251

--

Allstate

$1,275

876

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

$1,176

$1,257

$1,723

$1,942

DUI

$5,873

$1,082

$2,040

$11,893

$3,601

Suspended license

$5,873

$1,082

$1,792

$11,893

$3,601

Open container

$785

$1,082

$1,515

$10,237

$1,792

Expired registration

$785

$1,082

$1,071

$1,369

$1,792

Driving without lights

$785

$1,082

$1,071

$1,369

$1,792

Not showing documents

$785

$1,082

$1,071

$1,369

$1,792

Running a red light

$785

$1,082

$1,071

$1,369

$1,792

Failure to yield

$785

$1,082

$1,071

$1,369

$1,792

Following too closely

$785

$1,082

$1,071

$1,369

$1,792

Hit and run

$5,873

$1,082

$2,040

$11,893

$3,601

Illegal turn

$785

$1,082

$1,071

$1,369

$1,792

Improper passing

$785

$1,082

$1,071

$1,369

$1,792

Not-at-fault accident

$785

$987

$1,023

$1,251

$1,275

Passing a school bus

$785

$1,082

$1,515

$1,369

$1,792

Racing

$5,873

$1,082

$1,918

$10,237

$3,601

Reckless driving

$5,873

$1,082

$1,515

$10,237

$3,601

Speeding

$785

$1,082

$1,071

$10,237

$1,792

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: $1,200

  • Pearl City: $1,203

  • Hilo: $1,287

  • Waipahu: $1,214

  • Kailua: $1,245

  • Kaneohe: $1,203

  • Kahului: $1,174

  • Mililani Town: $1,203

  • Kihei: $1,174

  • Kapolei: $1,203

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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.

Methodology

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.

Authors

Automotive journalist

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

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Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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