Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Hawaii
We monitor insurance prices, helping the average driver in Hawaii save up to 25.6% on car insurance.
The Cheapest Minimum Coverage in Hawaii
The chart below shows the cheapest car insurance company in Hawaii for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by Island Insurance, Farmers Insurance, and Midvale Home & Auto.
| Hawaii Insurer | Monthly Cost |
|---|---|
| Geico | $29 |
| Island Insurance | $34 |
| Farmers Insurance | $45 |
| Midvale Home & Auto | $47 |
Savings for Every Kind of Hawaii Driver
Based on our extensive insurance data, we know the average Hawaii driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $317 per year by choosing the right vehicle insurance company. Some Hawaii residents are paying out over $1,238 extra every year for auto insurance in Hawaii. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hawaii Savings / Yr. |
|---|---|
$317 |
|
$380 |
|
$387 |
|
$575 |
|
$469 |
|
$0 |
|
$0 |
Hawaii Car Insurance vs. the United States
People living in Hawaii pay an average of 9.11% less than the typical driver in the nation. The average driver in Hawaii can expect to pay about $552 per year, or $1,238 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Hawaii for most people.
Car Insurance Prices by Hawaii Neighborhood
Insurance Prices
Where is insurance cheapest within Hawaii?
The map shows insurance prices in and around Hawaii, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $486 per year within the state boundaries, with insurance premiums ranging from a high of $1,643 to a low of $1,157. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the East parts of Hawaii.Pick the Best Car Insurance Company for You in Hawaii
The best car insurance provider for most drivers in Hawaii
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $317 over the average Hawaii car insurance company.
The best car insurance provider for Hawaii drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $380 over the competition.
The best car insurance company for Hawaii drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $387 better than other car insurance companies.
The best auto insurance for Hawaii drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $575 less each year.
The least expensive car insurance company for new and young drivers in Hawaii
In Hawaii, Geico costs young drivers $469 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hawaii
The cheapest car insurance in Hawaii for drivers with bad credit
The best Hawaii car insurance company for customer service
Recent price drops
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The cheapest large national provider in Hawaii
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Hawaii driver can expect to pay about $84 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Hawaii, USAA has the best prices for drivers with accidents, good drivers, drivers with speeding tickets, drivers with a DUI conviction, drivers with bad credit, and young drivers.Auto Insurance Prices in and Around Hawaii
What Influences the Cost of Car Insurance in Hawaii?
On average, car insurance in Hawaii is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Hawaii is 35 minutes, which is a little more than average for a driver in the nation.
- Hawaii state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Hawaii is one of the least populated areas in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Hawaii is $46 per month for minimum coverage and $103 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- California: Insurance costs 117.37% more
- Oregon: Insurance costs 22.62% more
- Nevada: Insurance costs 173.42% more
- Washington: Insurance costs 6.30% more
- Idaho: Insurance costs 31.02% less
- Arizona: Insurance costs 77.38% more
- Utah: Insurance costs 9.13% more
- Montana: Insurance costs 41.44% more
- New Mexico: Insurance costs 21.65% more
- Wyoming: Insurance costs 31.50% more
States with Similar Populations
- Arkansas: Insurance costs 52.67% more
- California: Insurance costs 117.37% more
- Florida: Insurance costs 276.25% more
- Georgia: Insurance costs 69.06% more
- Alaska: Insurance costs 1.94% more
- North Carolina: Insurance costs 15.75% less
- South Carolina: Insurance costs 43.05% more
- North Dakota: Insurance costs 9.13% more
- Ohio: Insurance costs 31.91% less
- Oklahoma: Insurance costs 63.97% more