Cheapest Car Insurance In Hawaii (2024) (original) (raw)
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, Writer
10/18/2024 08:01 AM
Given the increasing prices of car insurance, it is advisable for drivers in Hawaii to compare different policy choices in order to discover the least expensive coverage. Our reviews team has researched the best car insurance companies nationwide. We thoroughly examined the reputation, customer satisfaction, coverage options, and average premiums of each provider.
In this review, we will discuss the most effective ways to spend less on insurance and where you can get the most affordable car insurance in Hawaii that suits your driving profile.
Key Points
- GEICO is the cheapest car insurance company in Hawaii overall, with an average rate of $21 per month for minimum coverage and $95 per month for full coverage.
- USAA and 21st Century also offer affordable car insurance rates for many driver profiles.
- If you’re under 25 or have traffic violations on your record, your car insurance rates will be higher than the average for drivers.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
Cheap Car Insurance Hawaii
Car insurance companies have different ways of assessing driver profiles, so the cheapest provider for one person might not be the cheapest for you. For instance, here is a quick overview of the least expensive auto insurance providers in Hawaii and their rates based on different types of drivers:
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | GEICO | 21∣21 | 21∣257 |
| Full coverage | GEICO | 95∣95 | 95∣1,144 |
| 16-year-olds | GEICO | 24∣24 | 24∣294 |
| 45-year-olds | GEICO | 21∣21 | 21∣257 |
| High-risk drivers | USAA | 37∣37 | 37∣446 |
| After a speeding ticket | GEICO | 21∣21 | 21∣257 |
| After an accident | GEICO | 33∣33 | 33∣391 |
| After a DUI | State Farm | 46∣46 | 46∣554 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Hawaii?
In general, we discovered that GEICO has the lowest-priced car insurance in Hawaii for most types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Hawaii.
These rates apply to drivers in Hawaii who are of various ages, live in different places, and have different driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Hawaii: GEICO
Drivers looking for the most affordable coverage that just meets Hawaii state minimum requirements may find it at GEICO for about $21 per month or $257 per year on average.
| Cheapest Car Insurance in Hawaii | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| GEICO | 21∣21 | 21∣257 |
| USAA | 26∣26 | 26∣312 |
| 21st Century | 35∣35 | 35∣418 |
| Island Insurance Companies | 35∣35 | 35∣418 |
| Allstate | 41∣41 | 41∣487 |
| State Farm | 42∣42 | 42∣498 |
| Progressive | 58∣58 | 58∣695 |
Cheapest Full Coverage In Hawaii: GEICO
If you want the best coverage at a good price, GEICO is the top choice. The provider offers full-coverage insurance for an average of $95 per month.
Full-coverage insurance policies in Hawaii generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Hawaii | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| GEICO | 95∣95 | 95∣1,144 |
| USAA | 105∣105 | 105∣1,258 |
| 21st Century | 118∣118 | 118∣1,414 |
| Progressive | 126∣126 | 126∣1,508 |
| Allstate | 136∣136 | 136∣1,636 |
| Island Insurance Companies | 141∣141 | 141∣1,691 |
| State Farm | 152∣152 | 152∣1,822 |
Cheapest Car Insurance In Hawaii: Age
Below, you’ll find average insurance costs for Hawaii drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. People who are between 30 and 55 years old usually pay less for car insurance because they have more driving experience. They also have a lower chance of getting into accidents compared to younger drivers, according to statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | 40∣40 | 40∣137 |
| 25 | 37∣37 | 37∣125 |
| 35 | 37∣37 | 37∣125 |
| 45 | 37∣37 | 37∣125 |
| 55 | 37∣37 | 37∣125 |
Cheapest Hawaii Car Insurance: Young Drivers
As mentioned, new drivers and early 20s typically pay the most expensive car insurance rates. That’s mainly because these drivers have less time driving and are more likely to not follow traffic rules and have car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Hawaii Car Insurance For 16-Year-Olds: GEICO
If you’re a teen driver or the parent of one, GEICO may be your best bet for finding the most affordable car insurance in Hawaii.
The company’s cheapest average rates for 16-year-old drivers are $24 per month or $294 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $105 per month or $1,258 per year from USAA.
| Cheapest Car Insurance in Hawaii | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | 24∣24 | 24∣107 |
| USAA | 26∣26 | 26∣105 |
| 21st Century | 35∣35 | 35∣118 |
| Island Insurance Companies | 35∣35 | 35∣141 |
| Allstate | 41∣41 | 41∣136 |
| State Farm | 42∣42 | 42∣152 |
| Progressive | 80∣80 | 80∣199 |
Cheapest Hawaii Car Insurance For 25-Year-Olds: GEICO
Car insurance rates for young drivers in their 20s are much lower than what teenage drivers pay. However, the rates can still be quite expensive for this age group, depending on the company you pick.
GEICO provides the cheapest car insurance costs on average at $21 per month or $257 per year for minimum coverage. GEICO costs $95 per month or $1,144 per year for full coverage.
| Cheapest Car Insurance in Hawaii | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | 21∣21 | 21∣95 |
| USAA | 26∣26 | 26∣105 |
| 21st Century | 35∣35 | 35∣118 |
| Island Insurance Companies | 35∣35 | 35∣141 |
| Allstate | 41∣41 | 41∣136 |
| State Farm | 42∣42 | 42∣152 |
| Progressive | 58∣58 | 58∣126 |
Cheapest Hawaii Car Insurance: Adult Drivers
People who are in their 40s usually have the cheapest auto insurance rates. You can compare typical car insurance expenses of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Hawaii Car Insurance For 35-Year-Olds: GEICO
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from GEICO. The company offers average minimum-coverage costs of $21 per month or $257 per year. For full coverage, GEICO’s rates average $95 monthly or $1,144 annually.
| Cheapest Car Insurance in Hawaii | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | 21∣21 | 21∣95 |
| USAA | 26∣26 | 26∣105 |
| 21st Century | 35∣35 | 35∣118 |
| Island Insurance Companies | 35∣35 | 35∣141 |
| Allstate | 41∣41 | 41∣136 |
| State Farm | 42∣42 | 42∣152 |
| Progressive | 58∣58 | 58∣126 |
Cheapest Hawaii Car Insurance For 45-Year-Olds: GEICO
Forty-five-year-old drivers may find the most affordable minimum coverage from GEICO, with average rates of $21 per month or $257 per year. The cheapest full coverage comes from GEICO at $95 per month or $1,144 per year.
| Cheapest Car Insurance in Hawaii | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | 21∣21 | 21∣95 |
| USAA | 26∣26 | 26∣105 |
| 21st Century | 35∣35 | 35∣118 |
| Island Insurance Companies | 35∣35 | 35∣141 |
| Allstate | 41∣41 | 41∣136 |
| State Farm | 42∣42 | 42∣152 |
| Progressive | 58∣58 | 58∣126 |
Cheapest Hawaii Car Insurance For 55-Year-Olds: GEICO
People in their 50s usually get the lowest car insurance prices in Hawaii by choosing GEICO. The insurer’s average premiums are $21 monthly or $257 annually for minimum coverage. The cheapest full coverage option is from GEICO, costing $95 monthly or $1,144 annually
| Cheapest Car Insurance in Hawaii | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | 21∣21 | 21∣95 |
| USAA | 26∣26 | 26∣105 |
| 21st Century | 35∣35 | 35∣118 |
| Island Insurance Companies | 35∣35 | 35∣141 |
| Allstate | 41∣41 | 41∣136 |
| State Farm | 42∣42 | 42∣152 |
| Progressive | 58∣58 | 58∣126 |
Cheapest Car Insurance In Hawaii: High-Risk Drivers
Besides the type of coverage you choose and the age of your car, how safely you drive is a major factor in determining the cost of your car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding tickets, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk have to pay car insurance rates that are higher than the average. This is because they have multiple violations on their driving record. On average, Hawaii motorists who are deemed high-risk may find the most affordable rates from USAA for minimum coverage or USAA for full coverage.
| Cheapest Car Insurance in Hawaii | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | 37∣37 | 37∣150 |
| State Farm | 48∣48 | 48∣172 |
| 21st Century | 52∣52 | 52∣180 |
| GEICO | 74∣74 | 74∣303 |
| Progressive | 86∣86 | 86∣187 |
| Allstate | 109∣109 | 109∣252 |
| Island Insurance Companies | 131∣131 | 131∣513 |
Cheapest Hawaii Car Insurance For Drivers With A Speeding Ticket: GEICO
Drivers with a speeding citation on their record can generally find the most affordable coverage from GEICO, with average rates of $21 per month or $257 per year for minimum coverage and $95 per month or $1,144 per year for full coverage.
| Cheapest Car Insurance in Hawaii | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | 21∣21 | 21∣95 |
| USAA | 27∣27 | 27∣110 |
| Island Insurance Companies | 38∣38 | 38∣153 |
| 21st Century | 42∣42 | 42∣143 |
| State Farm | 46∣46 | 46∣167 |
| Allstate | 63∣63 | 63∣191 |
| Progressive | 77∣77 | 77∣169 |
Cheapest Hawaii Car Insurance For Drivers With An At-Fault Accident: GEICO
Getting in a car accident in Hawaii can make your car insurance rates go up. GEICO tends to offer the most affordable rates on average at about $33 per month or $391 per year for minimum coverage and $140 per month or $140 per year for full coverage.
| Cheapest Car Insurance in Hawaii | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | 33∣33 | 33∣140 |
| USAA | 33∣33 | 33∣129 |
| Island Insurance Companies | 47∣47 | 47∣188 |
| State Farm | 51∣51 | 51∣182 |
| 21st Century | 56∣56 | 56∣192 |
| Allstate | 65∣65 | 65∣209 |
| Progressive | 86∣86 | 86∣185 |
Cheapest Hawaii Car Insurance For Drivers With A DUI: State Farm
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Hawaii from State Farm for $46 per month or $554 per year on average. They also have rates of $167 monthly or $2,001 annually for full coverage.
| Cheapest Car Insurance in Hawaii | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | 46∣46 | 46∣167 |
| USAA | 51∣51 | 51∣211 |
| 21st Century | 58∣58 | 58∣205 |
| Progressive | 95∣95 | 95∣208 |
| GEICO | 167∣167 | 167∣673 |
| Allstate | 198∣198 | 198∣355 |
| Island Insurance Companies | 307∣307 | 307∣1,198 |
Average Cost Of Car Insurance In 10 Hawaii Cities
Your location in Hawaii also affects the amount you pay for car insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There is an increased number of cars on the road.
- More car accidents happening at increased rates.
- More instances of breaking traffic rules.
- More incidents of car theft and auto vandalism
- Intense weather conditions
Certain factors that increase the chances of car owners facing risks have a greater impact on those living in big cities. This is the reason why drivers in busy cities have to pay the highest average cost for car insurance with minimum coverage. On the other hand, drivers in rural areas with lower crime rates and fewer people tend to receive more affordable rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Honolulu | 38∣38 | 38∣117 |
| Hilo | 38∣38 | 38∣127 |
| Kailua | 38∣38 | 38∣117 |
| Waipahu | 39∣39 | 39∣118 |
| Kaneohe | 38∣38 | 38∣117 |
| Mililani Town | 38∣38 | 38∣117 |
| Ewa Gentry | 39∣39 | 39∣118 |
| Kihei | 36∣36 | 36∣115 |
| Waianae | 38∣38 | 38∣117 |
| Wailuku | 36∣36 | 36∣115 |
Top 5 Car Insurance Companies In Hawaii
Besides the price, we have examined more than 40 insurance companies for their coverage, service, and reliability. Our goal was to identify the top five insurers for people living in Hawaii. Based on our research, we found GEICO to be the best provider for most drivers in Hawaii. Here are the ratings for our top picks overall.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #3 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #4 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
| #5 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Hawaii
You can bring down your car insurance expenses in Hawaii by using different methods. These include:
- Opting for minimum coverage: If you just get the minimum insurance required by your state, you will pay the least amount for car insurance.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Requesting quotes from different companies can give you an idea of which provider will give you the best offer.
Many insurance companies offer usage-based insurance programs as a way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you may receive a large discount. However, certain programs might increase your rates if you exhibit risky driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Hawaii Require For Car Insurance?
Drivers in Hawaii must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $40,000 bodily injury liability per accident
- $20,000 bodily injury liability per person
- $10,000 property damage liability per accident
- $10,000 personal injury protection
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Hawaii
When it comes to both minimum and full coverage, GEICO is the best and cheapest car insurance company for most drivers in Hawaii. While the above costs can give you an idea of what you’d pay for car insurance in Hawaii, getting a personalized quote will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and no-cost tools on their websites that can give you price estimates. If you prefer, you can also reach out to a company’s insurance agent or representative by phone. After gathering quotes from at least three different providers, compare them to find the one that suits your needs the best.
Best Cheap Car Insurance In Hawaii: FAQ
Here are some frequently asked questions about car insurance in Hawaii:
How much is car insurance per month in Hawaii?
The average cost of minimum-coverage car insurance in Hawaii is $37 per month or $441 per year. For full coverage, the average is $125 per month or $1,496 per year.
Is Hawaii Car Insurance Cheaper?
Hawaii auto insurance is typically cheaper than the national average. Nationwide, the average cost of minimum-coverage insurance is 670peryear,whiletheaverageinHawaiiis∗∗670 per year, while the average in Hawaii is 670peryear,whiletheaverageinHawaiiis∗∗441 per year. For full coverage, residents of Hawaii pay about $1,496 per year on average, which is less than the national average of $2,216 per year.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.