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With terrain that ranges from its famous pristine beaches to its lesser-known snow-capped mountain peaks, Hawaii’s landscape is both diverse and beautiful. Based on our recent survey of car insurance rates, we also found a wide range of average annual car insurance prices in Hawaii. 

With six main islands over 1,500 hundred miles off the Pacific coast of North America, the volcanic archipelago is both a more varied landscape and larger state than most people realize. In fact, the big island of Hawaii alone is about the size of Connecticut.

With about 1.4 million residents, the islands of Hawaii make up the eighth smallest state in the Union, but Hawaii is the 13th most densely populated. Its varied demographics and geography make for a varied driving experience, from rural byways to urban gridlock. Our study found that while insurance rates differ in Hawaii, the differences were not as great as we’ve seen in some other states. Depending on your age, location, driving record, and other factors, our survey results could show you how to save a substantial amount of money on your car insurance.

Cheapest Car Insurance Companies in Hawaii

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from the largest car insurance companies in the United States, using certain driver profiles. Your rates will very likely differ. See more about the rates in this study. 

How We Found the Cheapest Car Insurance Companies

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

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For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the nine largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here. 

How Much Does Car Insurance Cost in Hawaii?

See the Cheapest Car Insurance Companies

Representative rates vary widely between the major insurance companies included in our survey, with a difference of more than $1,550 between the least and most expensive study rates for our typical driver profiles. 

Farmers proved to be the most expensive for our driver profiles, with a representative rate of $2,366 annually. That’s almost three times the study rate for Geico, which at $810 proved to be the most affordable for our driver profiles in the state. USAA was next most affordable at $883, but USAA only offers coverage to members of the U.S. military, veterans, and the service member’s spouse and children. For everyone else, State Farm would be the cheapest alternative to Geico at $1,177. But that’s still $367 more than Geico. Rounding out our study were Allstate at $1,421 annually on average for our driver profiles, and Progressive at $1,478. 

Please note that Hawaii does not differentiate rates by age, gender, or credit rating.

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Hawaii Car Insurance Rates by Mileage

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,208

$1,421

Farmers

$2,366

$2,366

Geico

$810

$810

Progressive

$1,478

$1,478

State Farm

$1,177

$1,177

USAA

$883

$883

You might think that driving fewer miles per year would translate into lower rates, but our survey found it often makes little difference whether you put on 6,000 or 12,000 miles per year. That is especially true in Hawaii, where five of the six insurance companies in our survey charged the same study rates whether our driver profiles traveled 6,000 or 12,000 miles annually. We found that only Allstate was more expensive for the driver profile traveling 12,000 miles per year, by slightly more than $200. 

We created two driver profiles to compare how annual mileage can change car insurance rates: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Hawaii Car Insurance Rates by Coverage Type

Company

Low

Medium

High

Allstate

$1,279

$1,421

$1,551

Farmers

$2,248

$2,366

$2,429

Geico

$748

$810

$844

Progressive

$1,350

$1,478

$1,613

State Farm

$1,104

$1,177

$1,243

USAA

$832

$883

$934

Opting for the bare minimum coverage will save a few dollars compared to going with high coverage limits, but the small savings are hardly worth it and could become meaningless after even the most minor claim. We found the difference in representative rates between low and high coverages ranged from around $100 to $300 among the seven insurers in our study, making higher coverage limits a wise investment for all but the most cash-strapped drivers. 

We found Geico had the smallest increase in study rates of $96 for higher coverage, and USAA’s average representative rate only went up by about $102. Even the largest increase we found in our survey of $263 with Progressive was not that much compared to the cost of paying out of pocket for damages or injuries in an accident. That makes a better case for shopping around between companies than it does for skimping on coverage. 

We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Hawaii Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,421

$1,952

$2,105

$3,900

Farmers

$2,366

$2,366

$3,492

$11,613

Geico

$810

$810

$1,179

$5,605

Progressive

$1,478

$1,945

$2,113

$2,365

State Farm

$1,177

$1,292

$1,407

$1,292

USAA

$883

$923

$1,085

$1,765

Just one speeding violation raised average study rates for our driver profiles in Hawaii with Allstate by more than $500. Our survey found a similar hike with Progressive, amounting to $467. But the difference in study rates was just $115 with State Farm and about $40 with USAA. We found there was no increase with Farmers and Geico. 

One accident raised rates for our driver profiles with all seven insurers in our survey, but again, the amount of the increase varied greatly. With State Farm and USAA, the increase was about $230 and $200, respectively. With Geico, it was around $370. Allstate and Progressive profiles saw an average representative rate hike of closer to $650 after one collision. The driver profile insured by Farmers had an increase in study rates of more than $1,100 per year. 

Our driver profiles with a DUI conviction paid the highest study rates overall, and with this category we also found the widest range of costs – varying by more than $10,000 from lowest to highest. State Farm profiles with one DUI paid a study rate of $1,292 on average, while with Farmers we found an average representative rate of $11,613 for the same offense. 

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Hawaii Car Insurance Rates by City

City

Average Rate

Hilo

$1,497

Honolulu

$1,345

Kahului

$1,301

Kailua

$1,344

Kapolei

$1,344

Kihei

$1,301

Mililani

$1,344

Pearl City

$1,344

While our survey found that these geographic factors can contribute to widely varying rates within some states, we found this is not really the case in Hawaii. Of the towns and cities represented in our study, we found a range of only $196 between the lowest and highest average study rates. Kahului and Kihei were tied for most affordable, with representative rates of $1,300, while Hilo was the costliest, at $1,497. Our driver profiles in Honolulu, the largest city in Hawaii, faced study rates of $1,345 on average – close to the same representative rates we found for most other communities in the state. 

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Iowa’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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Hawaii Auto Insurance Minimum Coverage Requirements

Car insurance is required in Hawaii, and drivers are required to carry an insurance card in their vehicle at all times. Here are the required coverage amounts: 

  • Bodily injury liability coverage of $20,000 per person and $40,000 per incident to go toward medical costs for others when you are deemed at fault in a crash
  • Property damage liability coverage of $10,000 per incident, to pay for damage to the vehicle or belongings of others following a collision when you are at fault
  • Personal injury protection (PIP) of $10,000 per person, which covers medical costs for you and passengers in your vehicle

The minimum coverage requirements in Hawaii are lower than we’ve seen in some other states, and they may be part of the reason why rates are so low. However, keep in mind that the minimum coverages listed above do not cover the cost of repairs to your own vehicle – that’s what comprehensive and collision coverage are for. Whether you choose to opt for such coverage or not, it is typically required by the lender if you finance or lease your vehicle. 

Hawaii does not require uninsured motorist coverage, but it’s something you’ll want to have if you’re involved in a crash with a driver who doesn’t have insurance. Wage loss, alternative care, funeral costs, and other types of coverage are also not included with basic coverage. Regardless of whether you choose to pay for any of the optional coverages that are available, it’s a good idea to consider liability protection beyond the minimums required by the state. With today’s medical costs, it doesn’t take long to rack up $10,000 or $20,000 in medical bills. Opting for only minimum coverage leaves you responsible for any additional amount. Talk with an agent if you’re not sure which coverages and amounts are best for you. 

Cheapest Car Insurance in Hawaii

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Young Adult Drivers

Geico

Married Adult Drivers

Geico

Senior Drivers

Geico

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

Geico

Drivers with One Accident

Geico

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Although insurance rates in Hawaii are more affordable overall than some other states, that doesn’t mean you should skip looking for discounts. Depending on your coverage level, driving record, and other factors, you may save a bundle by shopping around.

Switching companies is one of the quickest ways to save, and competing quotes from other insurance companies can give you an idea of how much you would save. Car insurance is a competitive business, and even if you’re happy with your insurer, it’s a good idea to shop around once a year. Our study found a difference of about $1,550 annually between the company with the highest representative rates in Hawaii and the one with the lowest.

Geico had the cheapest average study rates for our driver profiles in Hawaii, at $810. USAA wasn’t far behind, at $883. Again, note that USAA coverage is not available to everyone – only to members of the military, veterans, and a service member’s spouse and children. 

If you live in Hawaii and don’t have Geico or USAA, it may be time for a change. We found average study rates to be considerably higher for our driver profiles with all the other insurers in our survey. With Farmers, Progressive, and Allstate, we found average annual representative rates of $2,366, $1,478, $1,421 respectively.

Our survey results underscore the importance of shopping around, especially if you have a less-than-stellar driving record. If you do have some previous violations, it also shows the value in slowing down and working toward improving your record. And don’t be afraid to get new quotes annually as your circumstances change. A speeding violation will disappear from your record over time, and your credit rating can improve quickly as you pay bills on time and reduce debt. Also, please note that Hawaii does not differentiate rates by age, gender, or credit rating.

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, and a clean driving record. Our profiles included males and females aged 25, 35, and 60 who drove 12,000 miles per year. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Why Car Insurance Rates Vary in Hawaii

There are other factors beyond your age, gender, and driving record that go into determining car insurance rates, not the least of which is where you live. Insurance tends to cost more in densely populated areas than in rural areas, for the simple reason that congestion increases the odds of colliding with something. Areas with higher crime rates also have generally higher insurance premiums. 

How to Get the Cheapest Car Insurance in Hawaii

Even with its relatively affordable rates overall, there are several ways most drivers can save right away on car insurance in Hawaii, regardless of your driving record or other factors. Most insurance companies offer a discount for bundling car insurance with another policy, such as homeowners or renters insurance. Some insurance companies offer lower rates for members of certain credit unions or other organizations. 

Students who maintain good grades may be eligible for reduced rates, or their parents may get a break if young drivers are away at school. And many insurers now offer discounted rates for drivers willing to install a device that tracks their behavior behind the wheel. 

Another easy way to lower premiums is by opting for a higher deductible, which is the amount you pay for expenses after a crash before your insurance kicks in. Consider eliminating collision coverage or comprehensive coverage if you have an older car that might not be worth repairing after even a fender bender, and always review your options and get competitive quotes once a year. You may be able to save as circumstances change, your car ages, and your financial situation and driving record improve. Always ask your insurance agent what discounts you might be eligible for, or check insurance company websites for more details. 

Important Laws Around Auto Insurance in Hawaii

Car insurance is required in Hawaii, and an insurance card must be carried in the car at all times. If it’s not in the vehicle, you risk getting a ticket. Proof of insurance is required in order to pass mandatory annual vehicle inspections. 

Hawaii is a no-fault insurance state. Regardless of who is at fault in a crash, insurance covers medical expenses for passengers in your vehicle up to the limits of your required personal injury protection (PIP) coverage. No-fault coverage also means you cannot be sued after a crash in Hawaii, unless there are serious injuries. It is important to note that Hawaii only requires a minimum of $10,000 per person in PIP coverage, which is not likely to go far if a hospital visit is involved. Given the relatively low cost for additional coverage, it might be wise to invest in higher PIP limits.

Also note that no-fault insurance in Hawaii only applies to injuries and not property, so you are still responsible for damage to the vehicle and property of others involved in a crash if you are deemed to be at fault. Other required coverages in Hawaii include bodily injury liability coverage of $20,000 per person and $40,000 per accident, along with property damage liability coverage of $10,000 per occurrence. 

New residents have 30 days to transfer their driver’s license, vehicle registration, and insurance to Hawaii. 

Hawaii Driving Laws and Punishments

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Using any hand-held electronic device behind the wheel is prohibited in Hawaii unless the vehicle is parked off the roadway with the engine off. An exception can be made for 911 emergency calls. Drivers pulled over for texting, making a phone call, or any other use of an electronic device are subject to a $250 fine, rising to $300 if the offense occurs in a school zone. 

Those suspected of driving under the influence of alcohol are subject to a roadside sobriety test. Any drivers found to have a blood alcohol content of .08 or higher are considered to be driving under the influence and face an immediate administrative loss of license. A temporary driving permit may be granted for 30 days. 

The limit for drivers under the age of 21 is .02%, as part of the state’s zero-tolerance policy. Drivers who refuse the test are subject to loss of license for one, two, or four years depending upon their prior drinking and driving record. 

If convicted of a first offense, drivers face a fine of between $150 and $1,000, loss of license for one year, and mandatory enrollment in a drug or alcohol abuse program. The court may permit limited driving privileges to enable an offender to get to work. 

Drivers convicted of a second offense are subject to a fine of between $500 and $1,500, along with five to 30 days in jail or 240 hours of community service, and a license revocation of up to two years. A third offense brings a fine of between $500 and $2,500, 10 to 30 days in jail, and a loss of license for two years. 

Driving without insurance carries a $500 fine and a three-month loss of license for a first offense. Drivers may be able to perform 57 to 100 hours of community service in lieu of a fine. A second offense brings a one-year license suspension and fines of between $1,500 to $5,000 or 200-275 hours of community service. Increased penalties for multiple offenders include up to 30 days in jail, revocation of registration privileges, and impounding of the vehicle. Drivers involved in a crash and found to be without insurance face a two-year license suspension.

Hawaii Car Insurance FAQs

Is Car Insurance Required in Hawaii? 

Yes, car insurance is required in Hawaii. Here are the minimum coverage amounts: 

  • Bodily injury liability coverage of $20,000 per person and $40,000 per incident 
  • Property damage liability coverage of $10,000 per incident
  • Personal injury protection (PIP) of $10,000 per person 

Which Cars Are Required To Be Insured in Hawaii? 

Any vehicle driven on the roads of Hawaii must be registered, inspected, and insured. 

When Should I Get Car Insurance in Hawaii? 

Car insurance is required to register a vehicle in Hawaii. New residents have 30 days to transfer their license, registration, and insurance to the state. 

What Happens if My Car Is Not Properly Insured in Hawaii? 

Uninsured motorists in Hawaii face fines of between $500 and $5,000, loss of license, and possible jail time. 

Is Hawaii a No-Fault State? 

Yes, Hawaii has limited no-fault insurance for medical expenses for passengers in your vehicle. No-fault insurance in Hawaii only applies to injuries, so you are still responsible for damage to the vehicle and property of others involved in a crash.

Do I Need Uninsured Motorist Coverage in Hawaii?

No, uninsured motorist coverage is not required in Hawaii. 

Is Liability Insurance Required in Hawaii? 

Yes, Hawaii requires bodily injury liability coverage of $20,000 per person and $40,000 per incident, as well as property damage liability coverage of $10,000 per incident.

Does Hawaii Accept Digital Insurance Cards? 

Yes, Hawaii accepts digital insurance cards. However, a printed insurance card is also required in Hawaii, and it must be carried in the vehicle at all times.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Car Insurance Hub | Best Car Insurance Companies | Cheapest Car Insurance Companies

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.