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Best Car Insurance in Hawaii of 2026
GEICO, USAA, Progressive, Island Insurance, and State Farm are our top picks for car insurance in the Aloha State.
Best on a Budget
Editor's Rating:
4.9/5
4.9/5
Full Coverage Averages in Hawaii
- Annual Premium: $1,134
- Monthly Premium: $95
Best for Military and Veterans
Editor's Rating:5/5
5/5
Full Coverage Averages in Hawaii
- Annual Premium: $1,602
- Monthly Premium: $133
Best After a DUI
Editor's Rating:4.7/5
4.7/5
Full Coverage Averages in Hawaii
- Annual Premium: $1,520
- Monthly Premium: $127
Last updated: October 17, 2026
Key Takeaways: Best Car Insurance in Hawaii 2026
GEICO, USAA, and Island Insurance offer the most affordable car insurance in Hawaii.
Hawaii drivers pay about 27% less than the national average — $1,727/year for full coverage vs. $2,356 nationally.
GEICO is the cheapest overall, averaging $1,134/year for full coverage — 34% below the state average.
USAA offers excellent rates and customer service, but is only available to military members, veterans, and their families.
Island Insurance is the top regional pick, with full coverage rates averaging 25% below the state average.
Our pricing research uses average premiums, so your quoted rates may be different. Even so, these averages are intended to guide you when shopping for car insurance.
Summary of the Best Auto Insurance in Hawaii
- Best Budget Car Insurance: GEICO
- Best for Military and Veterans: USAA
- Best After a DUI: Progressive
- Best Regional Provider: Island Insurance
- Best for Homeowners: State Farm
Compare the Best Cheap Auto Insurance in Hawaii
| Company | Full coverage annual average | Minimum coverage annual average | J.D. Power Insurance Shopping Study score |
|---|---|---|---|
| GEICO | $1,134 | $345 | Below average |
| USAA | $1,602 | $458 | Above average* |
| Progressive | $1,520 | $571 | Below average |
| Island Insurance | $1,296 | $484 | Not rated |
| State Farm | $1,821 | $680 | Above average |
| Hawaii | $1,727 | $560 | – |
*Due to its eligibility restrictions, USAA doesn’t officially qualify to rank on J.D. Power’s surveys.
Breaking Down the Best Cheap Auto Insurance in Hawaii
1. GEICO - Best Budget Car Insurance
4.9
Editor's Rating:
- Average Hawaii Rate for Minimum Coverage
- $29 mo.
- Average Hawaii Rate for Full Coverage
- $95 mo.
Lowest average rates for full coverage- Cheapest for drivers with a speeding ticket
- Largest provider in Hawaii
Limited agent presence- Doesn't underwrite home insurance
Why we chose it
In addition to offering the cheapest car insurance rates in Hawaii, GEICO has the lowest premiums for drivers with a speeding ticket or an at-fault accident. It also has a multitude of discounts, including savings for military members, government employees, and employees of affiliate groups.
Drivers can keep their premiums low with upgraded accident forgiveness. With this coverage, GEICO won’t increase your premium after your first at-fault accident, and you can still qualify for a good-driver discount.
Who it’s best for
GEICO is best for drivers who are looking for the cheapest car insurance, drivers with a speeding ticket on their record, and members of affinity groups, like alumni association members of select universities and nonprofit organizations.
GEICO Hawaii Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $95 | $29 |
| Annually | $1,134 | $345 |
| Difference from Hawaii average | -34% | -38% |
2. USAA - Best for Military and Veterans
5
Editor's Rating:
- Average Hawaii Rate for Minimum Coverage
- $38 mo.
- Average Hawaii Rate for Full Coverage
- $133 mo.
- Excellent customer service
- Great membership perks
- All-around affordable provider
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
In Hawaii and across the country, USAA consistently gets high ratings for customer satisfaction from J.D. Power, although it doesn’t technically qualify to be ranked in these surveys because it is available only to military members, veterans, and their families.
USAA also offers specialized discounts for military members, including savings for storing your car while on deployment, garaging your car on a military installation, and being the child of a military member.
Safe drivers can save up to 30 percent with USAA SafePilot, one of USAA’s usage-based insurance programs. The SafePilot app tracks your driving habits and offers telematics discounts based on how safely you drive. USAA also offers a program for low-mileage drivers, SafePilot Miles.
Who it’s best for
USAA is available only to military members, veterans and military dependents. Its low rates, excellent customer service, and membership perks make it a solid choice for anyone who qualifies.
USAA Hawaii Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $133 | $38 |
| Annually | $1,602 | $458 |
| Difference from Hawaii average | -7% | -18% |
3. Progressive - Best After a DUI
4.7
Editor's Rating:
- Average Hawaii Rate for Minimum Coverage
- $48 mo.
- Average Hawaii Rate for Full Coverage
- $127 mo.
- Lowest rates for drivers with a DUI
- Local agents across major Hawaiian cities
- Easy online quotes
- Mixed reviews for customer service
- Gap insurance won’t necessarily cover full amount owed
Why we chose it
In Hawaii, Progressive has the lowest rates for drivers with a DUI at about 35 percent less than the state average for drivers with a DUI. Unlike some providers, the company offers and files an SR-22 on behalf of the customer.
In addition, Progressive offers a number of add-on coverages, including rideshare insurance, loan/lease payoff coverage (which operates similarly to gap insurance), and a deductible bank.
Who it’s best for
Progressive is an especially good choice for drivers with a DUI on their record in Hawaii, as well as those who need rideshare coverage.
FYI:
Hawaii has the higher-than-average rate of fatalities caused by alcohol-impaired driving. In 2024, 34 percent of fatal crashes involved alcohol.1
Progressive Hawaii Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $127 | $48 |
| Annually | $1,520 | $571 |
| Difference from Hawaii average | -12% | +2% |
4. Island Insurance - Best Regional Provider
4.6
Editor's Rating:
- Average Hawaii Rate for Minimum Coverage
- $40 mo.
- Average Hawaii Rate for Full Coverage
- $108 mo.
- Flexible installment plans to meet your budget
- Partnership with Hawaiian motor shops
- Competitive rates
- Limited scale
- Basic digital tools
Why we chose it
Island Insurance was made by Hawaiians, for Hawaiians. It’s available only in Hawaii, which comes with many benefits. The company has partnerships with certified auto shops on Oahu, the Big Island, Maui, and Kauai. Through this network, Island Insurance customers can access reliable repair services for covered damages.
Island Insurance also offers the second-cheapest full coverage rates after GEICO, as well as the third-cheapest minimum coverage rates, on average. In addition, you can get some impressive auto insurance perks at no additional cost. With a full coverage auto insurance policy, drivers get bonus coverages, such as emergency towing, lockout service, and rental car reimbursement.
Who it’s best for
Island Insurance is a good choice for people who want coverage with a regional company and who are looking for affordable rates
Island Insurance Hawaii Pricing
| Island Insurance | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $108 | $40 |
| Annually | $1,296 | $484 |
| Difference from Hawaii average | -25% | -14% |
5. State Farm - Best for Homeowners
4.9
Editor's Rating:
- Average Hawaii Rate for Minimum Coverage
- $57 mo.
- Average Hawaii Rate for Full Coverage
- $152 mo.
- Great bundling discount for home and auto
- Personalized service with local agents
- Several good driver discounts
- Must complete quotes by phone
- No accident forgiveness
Why we chose it
State Farm customers can save up to $1,429 on average by bundling home and auto insurance, according to the company. It has a strong customer service record for car insurance and also ranked above average on J.D. Power’s Home Insurance Study, so policyholders can expect great service in both areas.2
With local agents in over 20 Hawaii cities, State Farm helps Hawaii residents get personalized service for car insurance. State Farm customers enjoy the financial strength and specialty coverages of a major provider while working with an agent who understands Hawaii’s unique road conditions, microclimates, and community needs.
Who it’s best for
State Farm is best for homeowners and customers who prefer to work with a local agent
State Farm Hawaii Pricing
| Allstate | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $152 | $57 |
| Annually | $1,821 | $680 |
| Difference from Hawaii average | +5% | +21% |
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Insurance Shopping Study3 | CRASH Network Insurer Report Card4 | J.D. Power Auto Claims Satisfaction Study5 | NAIC Complaint Index6 |
|---|---|---|---|---|
| GEICO | 656 | C- | 697 | 1.67 |
| USAA | 732* | C- | 741* | 3.00 |
| Progressive | 645 | C- | 673 | 2.65 |
| Island Insurance | Not rated | Not rated | Not rated | 0.83 |
| State Farm | 674 | D+ | 716 | 1.80 |
| Average | 662 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Overall satisfaction during the shopping process, based on responses from over 12,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims handling process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better |
*Due to its eligibility restrictions, USAA doesn’t officially qualify to rank on J.D. Power’s surveys.
Average Cost of Auto Insurance in Hawaii
Full Coverage Rates in Hawaii
In Hawaii, drivers pay about 27 percent less than the national average for car insurance.
| Category | Annual full coverage average | Monthly full coverage average |
|---|---|---|
| Hawaii | $1,727 | $144 |
| U.S. | $2,356 | $196 |
Minimum Coverage Rates in Hawaii
For minimum coverage policies, auto insurance in Hawaii averages about 22 percent lower than the national average.
| Category | Minimum coverage annual average | Minimum coverage monthly average |
|---|---|---|
| Hawaii | $560 | $47 |
| U.S. | $722 | $60 |
FYI:
Hawaii prohibits companies from using gender, credit history, and age as factors when determining car insurance premiums. It’s also the only state that doesn’t allow driving experience to be used as a factor, leading to some of the lowest teen car insurance rates in the country.
Auto Insurance Costs by City in Hawaii
Car insurance premiums depend largely on your location. Kahului and Waipahu residents have some of the lowest average car insurance rates in the state. Meanwhile, those living in Hilo and Kailua pay some of the highest premiums.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Hilo | $1,978 | $165 |
| Kailua | $1,907 | $159 |
| Honolulu | $1,875 | $156 |
| Mililani | $1,871 | $156 |
| Kapolei | $1,871 | $156 |
| Pearl City | $1,871 | $156 |
| Kihei | $1,794 | $150 |
| Kahului | $1,794 | $150 |
| Waipahu | $1,724 | $144 |
How Many Car Accidents Happen in Hawaii?
In 2025, 129 people died in traffic-related crashes across Hawaii, which represents a 26 percent increase from 2024 and the most traffic fatalities in the state since 2007, according to the Hawaii Department of Transportation.7 Forty were motor vehicle occupants, while 38 were pedestrians. Over 90 percent involved reckless behavior like speeding or using a phone while driving.
Minimum Auto Insurance Requirements in Hawaii
Hawaii requires its drivers to carry insurance to get on the road. State laws require all drivers to have the following minimum liability coverage:
- Bodily injury liability: $20,000 per person/$40,000 per accident
- Property damage liability: $10,000 per accident
- Personal injury protection: $10,000 per person8
However, minimum coverage may not offer enough protection. If you’re involved in a major crash, those limits likely won’t cover all of the damages, so you’d have to pay the rest out of pocket. We always recommend full coverage to protect your vehicle, which includes comprehensive and collision insurance.
Methodology: How We Review Providers
We evaluated Hawaii auto insurers with a scoring system based on four key areas:
- Pricing (40%): To evaluate affordability, we compared the average rates for both minimum and full coverage in Hawaii. This analysis included pricing for drivers with clean records as well as those with past violations, such as DUIs. We also factored in each company’s discount offerings. Minimum coverage rates were based on Hawaii’s state-required limits, while full coverage estimates included the following limits:
-
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Personal injury protection: State-required minimum
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision deductibles: $500
- Claims handling (25%): Because a smooth claims process is essential, we looked at independent data from sources like the J.D. Power Auto Claims Satisfaction Study and other industry evaluations to understand how efficiently each insurer handles claims.
- Customer experience (25%): We examined how easy each provider makes it to get a quote, use digital tools, manage policies, and work with agents. This portion of our analysis combined third-party data with app reviews and information specific to Hawaii customers.
- Coverage options (10%): We compared each insurer’s coverage lineup and gave higher marks to companies that offer protections beyond the state minimums. We looked for add-ons like rideshare coverage, gap insurance and other options.
Read more about our ratings and methodology sources.
Frequently Asked Questions
The best companies in Hawaii are GEICO (best on a budget), USAA (best for military), and Progressive (best after a DUI). USAA earns consistently high ratings but is only available to members of the military and their families. These companies were evaluated on cost, J.D. Power customer satisfaction ratings, and CRASH Network claims grades.
Car insurance in Hawaii averages $144/month for full coverage. Top-rated companies start from $95/month. You can compare quotes using our tool above.
Car insurance rates in Hawaii are below the national average because the state has fewer severe weather risks than many mainland states, relatively low traffic fatality rates, and no large areas of densely congested urban driving outside Oahu.
When choosing car insurance in Hawaii, compare quotes from at least three different providers. You should also look at claims satisfaction ratings from resources such as J.D. Power and the CRASH Network. Financial strength ratings can tell you whether a company can be trusted to pay out claims — it’s best to go with companies that have either an A or A+ rating from AM Best.
Hawaii is a no-fault state, meaning that each driver’s insurer covers their injuries regardless of who caused the accident. However, the at-fault driver still pays for property damage. PIP of at least $10,00 is required in Hawaii to pay for possible injuries.
Sources
Overview of Motor Vehicle Traffic Crashes In 2024. NHTSA. (2026, Apr).
https://crashstats.nhtsa.dot.gov/Api/Public/Publication/813791Homeowners Insurance Premium Increases Threaten Customer Loyalty, Long-Term Profitability, JD Power Finds. JD Power. (2025 Sept 12).
https://www.jdpower.com/business/press-releases/2025-us-home-insurance-studyDigital Becomes the New Front Door for Auto Insurance Shopping, as Nearly Half of New Auto Policies Are Bought Online, JD Power Finds. JD Power. (2026, Jun 04).
https://www.jdpower.com/business/press-releases/2026-us-insurance-shopping-study91 U.S. auto insurers graded in 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 27).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmHawai‘i drivers welcomed to join Safe Roads Challenge in 2026. State of Hawaii Department of Transportation. (2025, Dec 29).
https://hidot.hawaii.gov/highways/hawaii-drivers-welcomed-to-join-safe-roads-challenge-in-2026/Insurance Fraud. DCCA Hawaii. (2026).
https://cca.hawaii.gov/ins/filing-a-complaint/mvif/
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