Best Car Insurance in Hawaii for 2024

With lovely sandy beaches and stunning views, Hawaii is a beautiful state full of exciting things to explore. Unfortunately, it also has the highest cost of living in the United States, but surprisingly, those high prices don’t necessarily extend to the cost of car insurance.

Key takeaways

• The best car insurance in Hawaii for customer satisfaction is USAA, which costs $1,055 yearly for comprehensive coverage.
• Drivers with a clean driving record pay an average of $111 monthly in Hawaii.
• Car insurance providers aren’t allowed to factor in credit scores when providing quotes in Hawaii.

Best car insurance companies in Hawaii

Hawaii drivers pay an average of $1,338 a year for full coverage car insurance and $556 for minimum liability coverage. GEICO offered the cheapest average full coverage at $933 annually, while USAA had the lowest minimum liability insurance at $303 per year.

Farmers Insurance was the most expensive full coverage option on our list, averaging $2,040 yearly; Progressive had the highest minimum coverage cost at $900 annually.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	879/1,000	$1,055/year	$303/year
State Farm	835/1,000	$1,588/year	$858/year
Progressive	809/1,000	$1,299/year	$900/year
GEICO	804/1,000	$933/year	$339/year
Allstate	801/1,000	$1,398/year	$675/year
Farmers	781/1,000	$2,040/year	$624/year

USAA: Highest customer satisfaction

USAA had the lowest minimum liability coverage and earned Hawaii’s highest customer satisfaction rating. However, it only had the state’s second-lowest full coverage cost. Only current and former military members and their families are eligible for a policy, but USAA offers standard coverages and discounts if you qualify.

Get a quote now | USAA review

State Farm: Best for new drivers

State Farm had the second-highest costs for full and minimum coverage insurance, at $1,588 and $858 per year, respectively, so new drivers will likely pay more than the state average if they choose State Farm. However, it earned the second-highest customer satisfaction score in the state and offers specific policies and a discount of up to 25% for new drivers.

Get a quote now | State Farm review

Progressive: Best for high-risk drivers

High-risk drivers in Hawaii pay significantly more than the state average, or around $2,034 yearly for car insurance. Progressive could be a good option for those with DUIs, at-fault accidents, or multiple speeding tickets since it might offer better rates to high-risk drivers than other companies. However, it had the highest minimum coverage in Hawaii and the third highest full coverage.

Get a quote now | Progressive review

GEICO: Most affordable coverage

GEICO offers the lowest-cost option for full coverage car insurance in Hawaii, where customers pay an average of $933 a year for full coverage. It also had the second-lowest minimum coverage behind USAA, costing an average of $339 annually. However, GEICO earned a relatively low customer satisfaction score on our list of the best car insurance companies.

Get a quote now | GEICO review

Allstate: Best for coverage options

Allstate offers reasonable car insurance prices in Hawaii, averaging $1,398 yearly for full coverage and $675 for minimum coverage. However, it earned the second-lowest customer satisfaction score in the state. That being said, it may be worth looking at Allstate if you need specialty coverages, like gap insurance or accident forgiveness.

Get a quote now | Allstate review

Hawaii auto insurance requirements

Drivers in Hawaii must carry the following insurance minimums to drive legally in the state:

• $20,000 in bodily injury protection per person
• $40,000 in bodily injury protection per accident
• $10,000 in property damage liability
• $10,000 personal injury protection (PIP)

How to choose a car insurance provider in Hawaii

If you’re looking for a new insurance provider, consider the following:

• Research the company: Research the carrier’s financial stability and ability to pay claims on a website like Standard & Poor’s or AM Best. It’s also wise to check with the Hawaii Department of Commerce and Consumer Affairs or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed in Hawaii and doesn’t have an excessive number of complaints.
• Compare quotes: Get quotes from at least three companies and compare them to ensure policy amounts, coverage options, and discounts are the same or similar. Compare those quotes against your current coverage to ensure you’re protected at the same level.
• Check reviews: Talk to friends and family and check review websites like the Better Business Bureau to see what existing customers say. Some online complaints are expected, but take excessive complaints as a warning to steer clear.

How much does car insurance cost in Hawaii?

The average cost of car insurance in Hawaii is $1,338 a year for full coverage, compared to the national average of $1,582. Minimum coverage in Hawaii costs an average of $556 annually. 

Drivers in Mililani are likely to pay the most, an average of $1,626 a year for full coverage. In contrast, Waipahu drivers pay the least, an average of $1,458 yearly.

Even though Hawaii has a high cost of living, car insurance providers aren’t allowed to factor in credit scores when providing quotes in the state. This helps keep prices lower than in other states.

Hawaii car insurance rates by city

The population of your city, among other factors, can often mean higher insurance rates since more drivers on the road are statistically likely to lead to more accidents. Drivers in Mililani, which has a population of 54,091, pay an average of $1,626 yearly for car insurance. However, residents of Waianae, about 30 minutes away and with a population of only 13,614, spend an average of $1,487 annually.

City	Avg. annual full-coverage premium
Mililani	$1,626/year
Pearl City	$1,505/year
Waianae	$1,487/year
Honolulu	$1,465/year
Waipahu	$1,458/year

Methodology

FAQs about car insurance costs in Hawaii