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Last updated: May 11, 2026Best Car Insurance in Hawaii of 2026
GEICO, USAA, Progressive, Island Insurance, and Allstate are our top picks for car insurance in the Aloha State.
Best on a Budget
Editor's Rating:
4.2/5
4.2/5
Full Coverage Averages in Hawaii
- Annual Premium: $1,048
- Monthly Premium: $87
Best for Military and Veterans
Editor's Rating:5/5
5/5
Full Coverage Averages in Hawaii
- Annual Premium: $1,271
- Monthly Premium: $106
Best After a DUI
Editor's Rating:4.7/5
4.7/5
Full Coverage Averages in Hawaii
- Annual Premium: $1,636
- Monthly Premium: $136
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 30% less than the national average — $1,653/year for full coverage vs. $2,356 nationally.
- GEICO is the cheapest overall, averaging $1,048/year for full coverage — 36% 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 teen driver rates averaging 20% 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: Allstate
Compare the Best Cheap Auto Insurance in Hawaii
| Company | Full coverage average | Minimum coverage average | J.D. Power Insurance Shopping Study score |
|---|---|---|---|
| GEICO | $1,048 | $334 | Below average |
| USAA | $1,271 | $352 | Above average* |
| Progressive | $1,636 | $673 | Below average |
| Island Insurance | $1,400 | $423 | Not rated |
| Allstate | $2,253 | $694 | Above average |
| Hawaii | $1,653 | $525 | – |
*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
4.2
Editor's Rating:
- Average Rate for Minimum Coverage
- $28 mo.
- Average Rate for Full Coverage
- $87 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 | $87 | $28 |
| Annually | $1,048 | $334 |
| Difference from Hawaii average | -36% | -36% |
2. USAA - Best for Military and Veterans
5
Editor's Rating:
- Average Texas Rate for Minimum Coverage
- $29 mo.
- Average Texas Rate for Full Coverage
- $106 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 for 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 pay-per-mile program, 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 | $106 | $29 |
| Annually | $1,271 | $352 |
| Difference from Hawaii average | -23% | -33% |
3. Progressive - Best After a DUI
4.7
Editor's Rating:
- Average Rate for Minimum Coverage
- $56mo.
- Average Rate for Full Coverage
- $136 mo.
- Lowest rates for nonmilitary 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 after USAA (whose availability is limited), at about 47 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 for fatalities caused by alcohol-impaired driving. In 2025 alone, 42 percent of fatal crashes involved alcohol.1
Progressive Hawaii Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $136 | $56 |
| Annually | $1,636 | $673 |
| Difference from Hawaii average | 0% | +28% |
4. Island Insurance - Best Regional Provider
4.6
Editor's Rating:
- Average Rate for Minimum Coverage
- $35 mo.
- Average Rate for Full Coverage
- $117 mo.
- Flexible installment plans to meet your budget
- Partnership with Hawaiian motor shops
- Cheap rates for households with teen drivers
- 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 has some of the lowest rates for drivers under age 24. On average, adding a teen to your auto insurance policy costs 20 percent less than the state 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, as well as for families with teen drivers
FYI:
Hawaii is one of a few states that prohibits companies from using age as a factor when determining car insurance premiums. That means companies can’t charge higher rates solely because a driver is young. That said, they can base premiums based on the number of years a driver has had their licenses, meaning young drivers may still pay more — but the difference isn’t as extreme as in other states.
Island Insurance Hawaii Pricing
| Island Insurance | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $117 | $35 |
| Annually | $1,400 | $423 |
| Difference from Hawaii average | -15% | -19% |
5. Allstate - Best for Homeowners
4.4
Editor's Rating:
- Average Rate for Minimum Coverage
- $58 mo.
- Average Rate for Full Coverage
- $188 mo.
- Large bundling discount and low home insurance rates
- Personalized service with local agents
- Several discounts for making timely payments
- Telematics needed for best savings
- Mixed claims reviews
Why we chose it
Allstate offers the largest bundling discount of all listed providers, at 25 percent off for bundling home and auto insurance. It also provides other ways for homeowners to save, since it has some of the cheapest home insurance rates in Hawaii. Its annual average rates for home insurance are 15 percent lower than those of Allstate, the next-cheapest provider on our list.
With over 30 local agents in the state, Allstate helps Hawaii residents get personalized service for car insurance. Allstate 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
Allstate is best for homeowners and customers who prefer to work with a local agent
| Allstate | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $188 | $58 |
| Annually | $2,253 | $694 |
| Difference from Hawaii average | +36% | +32% |
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Insurance Shopping Study2 | CRASH Network Insurer Report Card3 | J.D. Power Auto Claims Satisfaction Study4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| GEICO | 660 | C- | 697 | 1.74 |
| USAA | 732* | C- | 741* | 3.00 |
| Progressive | 645 | C- | 673 | 2.65 |
| Island Insurance | Not rated | Not rated | Not rated | 0.83 |
| Allstate | 669 | D+ | 693 | 4.61 |
| Average | 667 (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 30 percent less than the national average for car insurance.
| Category | Annual full coverage average | Monthly full coverage average |
|---|---|---|
| Hawaii | $1,653 | $138 |
| U.S. | $2,356 | $196 |
Minimum Coverage Rates in Hawaii
For minimum coverage policies, auto insurance in Hawaii averages about 27 percent lower than the national average.
| Category | Minimum coverage annual average | Minimum coverage monthly average |
|---|---|---|
| Hawaii | $525 | $44 |
| U.S. | $722 | $60 |
Auto Insurance Costs by City in Hawaii
Car insurance premiums depend largely on your location. Kahului and Pearl City residents have some of the lowest average car insurance rates in the state. Meanwhile, those living in Kailua and Mililani pay some of the highest premiums.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Kailua | $1,879 | $157 |
| Mililani | $1,843 | $154 |
| Kapolei | $1,843 | $154 |
| Hilo | $1,799 | $150 |
| Kihei | $1,774 | $148 |
| Waipahu | $1,713 | $143 |
| Honolulu | $1,705 | $142 |
| Pearl City | $1,700 | $142 |
| Kahului | $1,668 | $139 |
How Many Car Accidents Happen in Hawaii?
In 2024, 102 people died in traffic-related crashes across the state, which represents a 10 percent increase from 2023, according to the Hawaii Department of Transportation. Speeding was the main contributing factor in 24 of those crashes, while 11 involved suspected impairment or other reckless behaviors, like not yielding or failing to wear protective gear.6
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 person7
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
If you’re required to file an SR-22, you will need to maintain your certification for three years.
If you’re renting a vehicle in Hawaii while on a trip, you likely won’t need additional rental coverage from your provider. Rental car insurance companies are required to provide the minimum coverage for all rentals in Hawaii; any additional coverage you want to obtain is optional.
Yes. You can apply for Hawaii no-fault auto insurance at no cost if you meet the following requirements:
- You’re the recipient of financial assistance payments or supplemental security income benefits.
- You have a valid driver’s license or are unlicensed, permanently disabled, and unable to operate your own vehicle.
- You’re the sole registered owner of your vehicle.8
No. Hawaii is one of the few states that ban insurance companies from using credit scores to determine auto insurance premiums. That means your credit history won’t raise or lower your rates in Hawaii.
Yes, Progressive sells auto insurance in Hawaii. Drivers can get standard coverage types, along with add-ons like roadside assistance, rental car reimbursement, and custom parts coverage.
Sources
Overview of Motor Vehicle Traffic Crashes In 2023. NHTSA. (2025, Apr).
https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/813705Despite Slowing Rate of Increase in Auto Insurance Pricing, Most Customers Still Shopping, JD Power Finds. JD Power. (2025 Apr 29).
https://www.jdpower.com/business/press-releases/2025-us-insurance-shopping-studyTop Rated U.S. Car Insurance Companies for 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 28).
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.htmTraffic Fatalities Up 10% from 2023. State of Hawaii Department of Transportation. (2024, Dec 31).
https://hidot.hawaii.gov/blog/2024/12/31/traffic-fatalities-up-10-from-2023/Insurance Fraud. DCCA Hawaii. (2026).
https://cca.hawaii.gov/ins/filing-a-complaint/mvif/Hawaii Financial and SNAP Benefits Rights and Responsibilities. Hawaii Department of Human Services. (2026).
https://humanservices.hawaii.gov/bessd/fnsrandr/
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