Compare Cheap Auto Insurance in Hawaii

GEICO offers the cheapest full coverage auto insurance in Hawaii at $1,048 per year on average, which is almost 37 percent cheaper than the state average. USAA also has affordable rates (for those eligible) at $1,271 annually, as does Island Insurance, with an average annual rate of $1,400.

GEICO has the cheapest minimum coverage insurance in Hawaii at $334 per year on average. USAA has the next cheapest average rates at $352 per year, but it is only available to military members, veterans, and their families. Island Insurance also offers below-average rates at $423 per year — 19 percent less than the state average.

USAA and GEICO have the cheapest rates for households that need teen auto insurance in Hawaii at $1,229 per year and $1,270 per year on average. Those rates are 25 percent and 23 percent cheaper than the state average, respectively. Island Insurance also provides competitive rates.

GEICO offers the best rates for drivers with a speeding ticket in Hawaii at $1,098 per year. The company often forgives a first-time speeding ticket, which helps keep rates low. USAA and State Farm also offer below-average rates, with average annual premiums of $1,171 and $1,901, respectively.

USAA has the cheapest coverage for military-affiliated drivers in Hawaii with an at-fault accident on their record at $1,516 per year on average — that’s almost 31 percent cheaper than the state average. GEICO has the next lowest premiums at $1,601 per year on average.

In Hawaii, USAA and Progressive have the best average rates for drivers convicted of a DUI. USAA has an average annual premium of $2,536, which is 34 percent below the state average, while State Farm’s average annual premium is $2,678, which is 30 percent cheaper than the state average.

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.

1. 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.
2. 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.
3. 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.
4. 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.

Kailua has the most expensive auto insurance rates in Hawaii on average, at $1,879 per year — about 18 percent more than the state average. In general, average rates don’t vary too much across Hawaii. Kahului has more affordable rates, but only slightly, at $1,668 annually on average.

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.

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: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible