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Last updated: June 4, 2025
Compare Cheap Auto Insurance in Hawaii
Most Hawaii drivers can find the cheapest average rates from USAA (if eligible), GEICO, and Island Insurance.
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Full coverage auto insurance in Hawaii costs an average of $1,447 annually, which is 40 percent cheaper than the national average. Meanwhile, minimum coverage costs an average of $519 annually, which is 18 percent less than the national average of $635.
Rates in Hawaii are low on average, largely due to the fact that the state does not allow insurers to use credit, gender, or age as rating factors when determining premiums. However, rates will still differ based on things like driving record and location.
Overview
- Auto insurance in Hawaii costs $1,447 annually on average for full coverage. Minimum coverage costs $519 per year on average.
- USAA, GEICO, and Island Insurance offer the cheapest average rates for most Hawaii drivers.
- State Farm also has below-average rates, especially for high-risk drivers, and has high customer satisfaction ratings.
Jump to:
- Cheapest full coverage auto insurance in Hawaii: GEICO ($1,098 annually) and USAA ($1,121 annually)
- Cheapest minimum coverage: USAA ($340 annually) and Island Insurance ($401 annually)
- Cheapest with a teen driver: USAA ($1,079 annually) and GEICO ($1,182 annually)
- Cheapest with a speeding ticket: GEICO ($1,098 annually) and USAA ($1,171 annually)
- Cheapest with an at-fault accident: USAA ($1,312 annually) and GEICO ($1,461 annually)
- Cheapest with a DUI: USAA ($2,144 annually) and State Farm ($2,416 annually)
Cheapest Car Insurance in Hawaii for Full Coverage: GEICO
GEICO offers the cheapest full coverage auto insurance in Hawaii at $1,098 per year on average, which is 24 percent cheaper than the state average. USAA also has affordable rates (for those eligible) at $1,121 annually, as does Island Insurance, with an average annual rate of $1,321.
| Provider | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| GEICO | $1,098 | $92 |
| USAA | $1,121 | $93 |
| Island Insurance | $1,321 | $110 |
| State Farm | $1,496 | $125 |
| Progressive | $1,616 | $135 |
| Farmers | $1,644 | $112 |
| Allstate | $1,932 | $161 |
| Hawaii average | $1,447 | $121 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Hawaii for Minimum Coverage: USAA and Island Insurance
USAA has the cheapest minimum coverage insurance in Hawaii, but it is only available to military members, veterans, and their families. Island Insurance has the cheapest minimum coverage insurance for non-military drivers at $401 per year — 23 percent less than the state average — followed by GEICO at $418 per year.
| Provider | Annual Minimum Coverage | Monthly Minimum Coverage |
|---|---|---|
| USAA | $340 | $28 |
| Island Insurance | $401 | $33 |
| GEICO | $418 | $35 |
| Allstate | $706 | $59 |
| Progressive | $753 | $63 |
| State Farm | $791 | $66 |
| Hawaii average | $519 | $43 |
| National average | $635 | $53 |
Cheapest Car Insurance in Hawaii for Households with Teen Drivers: USAA and GEICO
USAA and GEICO have the cheapest rates for households that need teen auto insurance in Hawaii at $1,079 per year and $1,182 per year on average. Those rates are 30 percent and 23 percent cheaper than the state average, respectively. Island Insurance also provides competitive rates.
| Provider | Annual with Teen Driver | Monthly with Teen Driver |
|---|---|---|
| USAA | $1,079 | $90 |
| GEICO | $1,182 | $98 |
| Island Insurance | $1,321 | $110 |
| State Farm | $1,474 | $123 |
| Farmers | $1,644 | $137 |
| Allstate | $1,932 | $161 |
| Progressive | $2,255 | $188 |
| Hawaii average | $1,542 | $129 |
| National average | $5,327 | $444 |
GOOD TO KNOW:
Auto insurance for teens is significantly less expensive in Hawaii compared to the national average because insurers in the state are not allowed to use age as a rating factor. This means that teens do not pay more simply due to their age, saving families with young drivers a lot of money on premiums. Massachusetts is the only other state with a similar law.
Cheapest Car Insurance in Hawaii With a Speeding Ticket: GEICO
GEICO offers the best rates for drivers with a speeding ticket in Hawaii at a little under $1,100 per year. The company often forgives a first-time speeding ticket, which helps keep rates low. USAA and Island Insurance also offer below-average rates, with average annual premiums of $1,171 and $1,460, respectively.
| Provider | Annual With Speeding Ticket | Monthly With Speeding Ticket |
|---|---|---|
| GEICO | $1,098 | $92 |
| USAA | $1,171 | $98 |
| Island Insurance | $1,460 | $122 |
| Farmers | $1,644 | $137 |
| State Farm | $1,646 | $137 |
| Progressive | $2,295 | $191 |
| Allstate | $2,327 | $194 |
| Hawaii average | $1,630 | $136 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Hawaii With an At-Fault Accident: USAA and GEICO
USAA has the cheapest coverage for military-affiliated drivers in Hawaii with an at-fault accident on their record at $1,312 per year on average — that’s 33 percent cheaper than the state average. GEICO has the next lowest premiums at $1,461 per year on average.
| Provider | Annual With At-Fault Accident | Monthly With At-Fault Accident |
|---|---|---|
| USAA | $1,312 | $109 |
| GEICO | $1,461 | $122 |
| State Farm | $1,760 | $147 |
| Island Insurance | $1,781 | $148 |
| Farmers | $2,332 | $194 |
| Progressive | $2,399 | $200 |
| Allstate | $2,757 | $230 |
| Hawaii average | $1,952 | $163 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Hawaii With a DUI: USAA and State Farm
In Hawaii, USAA and State Farm offer the best rates for drivers convicted of a DUI. USAA has an average annual premium of $2,144, which is 49 percent below the state average, while State Farm’s average annual premium is $2,416, which is 43 percent cheaper than the state average.
| Provider | Annual With DUI | Monthly With DUI |
|---|---|---|
| USAA | $2,144 | $179 |
| State Farm | $2,416 | $201 |
| Farmers | $2,490 | $207 |
| Progressive | $2,673 | $223 |
| Allstate | $4,567 | $381 |
| GEICO | $5,154 | $429 |
| Island Insurance | $11,646 | $971 |
| Hawaii average | $4,237 | $353 |
| National average | $3,305 | $275 |
Best Claims and Customer Satisfaction in Hawaii: State Farm
State Farm doesn’t always have the cheapest auto insurance rates in Hawaii (on average), but it has higher customer satisfaction scores than most competitors. Depending on what you’re quoted, it may be worth paying a little more for better customer service. USAA also has a strong customer service record but is only available to those affiliated with the military.
It’s worth noting that Island Insurance is not included in the industry reports we looked at, as it’s a small regional insurer — if you know anyone who uses the company, it can be useful to ask about their firsthand experiences.
We named all three providers among our top picks in Hawaii.
| Provider | Claims Satisfaction (J.D. Power)1 | CRASH Network Insurer Report Card Grade2 |
|---|---|---|
| USAA | 726 | D+ |
| State Farm | 710 | C- |
| Farmers | 706 | C- |
| GEICO | 692 | C- |
| Allstate | 691 | D |
| Progressive | 672 | C |
| Island Insurance | N/A | N/A |
| Average | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Hawaii
- Compare rates: We recommend getting quotes from at least three companies during your auto insurance search so you can make sure you’re getting the best rate. The cheapest company on average won’t necessarily be the cheapest one for you.
- Keep your record clean: In Hawaii, insurers are not legally allowed to consider age, gender, or credit when determining premiums. That makes your driving record even more important, since rating factors are more limited. Do your best to drive safely and avoid violations to keep your rates as low as possible.
- Look for discounts: Check with the insurance companies you’re considering to see what types of discounts they offer that you may be eligible for. Common discounts include multi-vehicle, bundling, good student, and safety equipment discounts.
- Raise your deductibles: If you have full coverage, you’ll have deductibles for your comprehensive and collision coverages. Increasing them can lower your premium, but be sure you can afford to pay the deductible amount if you need to file a claim.
Average Auto Insurance Cost in Hawaii by City
Hilo has the most expensive auto insurance rates in Hawaii on average, at $1,494 per year — slightly above the state average. In general, average rates don’t vary too much across Hawaii. Pearl City has more affordable rates, but only slightly, at $1,406 annually on average.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Hilo | $1,494 | $125 |
| Kailua | $1,436 | $120 |
| Honolulu | $1,408 | $117 |
| Pearl City | $1,406 | $117 |
| Hawaii average | $1,447 | $121 |
Minimum Car Insurance Requirements in Hawaii
Hawaii requires that drivers carry at least the following liability limits in order to drive legally:
- Bodily injury liability: $20,000 per person/$40,000 per accident
- Property damage liability: $10,000 per accident
- Personal injury protection: $10,0003
Personal injury protection (PIP) pays for your own injuries if you are in an accident before fault is determined. While these coverages offer basic financial protection, it’s a good idea to increase your liability limits and add full coverage if you can afford to. Full coverage helps pay for damage to your own vehicle, so it’s especially important if you have a newer vehicle.
Frequently Asked Questions
Who has the cheapest car insurance in Hawaii?
GEICO has the cheapest full coverage car insurance rates in Hawaii, with an average annual rate of $1,098. USAA follows with an average rate of $1,121 annually. For minimum coverage, USAA and Island Insurance have the cheapest rates at $340 per year and $401 per year, respectively.
Who is cheaper, GEICO or Progressive?
In Hawaii, GEICO tends to be cheaper than Progressive on average. For example, GEICO’s average full coverage rate is the cheapest in the state, at $1,098 per year, while Progressive’s is $1,616, which is above the state average. The exception is drivers with DUIs — Progressive has lower average rates than GEICO for this driver profile.
Are older cars cheaper to insure?
Older cars are generally cheaper to insure than newer ones because they have lower value and are less expensive to repair and replace. This in turn means less risk to the insurer. However, some older cars are considered classic cars, which can be valuable and require a specialized type of insurance, which may be more expensive.
Are there any car insurance companies in Hawaii that offer discounts for defensive driving courses?
There are several car insurance companies in Hawaii that may offer discounts for defensive driving courses, including State Farm and USAA. Discount availability varies by state, so it’s best to contact an agent to confirm eligibility in Hawaii.
Methodology
We analyze average auto insurance premiums in Hawaii for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Personal injury protection: $10,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study2025 Insurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Motor Vehicle Insurance Information. Hawaii Department of Commerce and Consumer Affairs. (2025).
https://cca.hawaii.gov/ins/consumers/mvi/
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