Cheapest Car Insurance In Hawaii For 2024
Drivers in Hawaii can find reliable and cost-effective liability-only coverage with GEICO, from $22 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
GEICO, one of the leading insurance companies, offers competitive prices and reliable service. They provide a range of coverage options, from minimum to full coverage. With the cost of living increasing, finding low-cost car insurance that meets your needs is key.
Whether you’re a new driver, a seasoned commuter, or part of a family seeking lower premiums, understanding the factors that drive insurance rates and where to find the best offers is essential. After a decade of analyzing car insurance, I’ve compiled a simplified guide to help you navigate this process.
In this guide, we’ll examine the various factors that impact your premium and provide advice on how to secure the best car insurance deal without sacrificing coverage.
Cheapest Car Insurance Companies In Hawaii, 2024
Cheapest Auto Insurance In Hawaii For Drivers With Poor Credit: GEICO
GEICO boasts the most economical premiums for Hawaii drivers with low credit scores, averaging just $113 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $113 | $1,359 |
| Progressive | $156 | $1,874 |
| Island Insurance | $157 | $1,889 |
| State Farm | $165 | $1,980 |
| Allstate | $199 | $2,389 |
In Hawaii, your credit score can significantly influence the cost of your car insurance. Insurers often see lower credit scores as a sign of increased risk, which can result in higher premiums for those with poor credit. Studies have shown a connection between credit scores and the likelihood of filing claims, which is why insurers use this factor when setting rates.
Although drivers with poor credit may face higher costs, they can still compare quotes and take advantage of available discounts to find better insurance options.
Cheapest Full-Coverage Car Insurance In Hawaii: GEICO
Full coverage car insurance from GEICO in Hawaii is the most budget-friendly option, with an average monthly rate of $99.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $99 | $1,184 |
| Island | $124 | $1,485 |
| USAA | $100 | $1,198 |
| Allstate | $188 | $2,253 |
Full coverage car insurance in Hawaii offers comprehensive protection, combining the state’s mandatory liability coverage with additional benefits like collision and comprehensive insurance. Collision coverage helps cover repair costs for your vehicle if it’s damaged in an accident, no matter who is at fault.
Comprehensive coverage provides financial protection for non-accident-related events, including theft, vandalism, fire, or natural disasters. This type of insurance gives you greater peace of mind, as it ensures you’re covered in many situations. Be sure to review your policy to understand the limits and deductibles and ensure it meets your needs.
Cheapest Auto Insurance In Hawaii For Seniors: GEICO
GEICO provides the most affordable rates for seniors living in Hawaii, with an average monthly fee of $50.
| Provider | Average Monthly Cost | Average Annual Cost |
| Island Insurance Group | $73 | $871 |
| Farmers | $55 | $663 |
| Allstate | $81 | $970 |
| GEICO | $50 | $601 |
| State Farm | $66 | $795 |
Seniors often qualify for lower car insurance rates because they’re viewed as more experienced and cautious on the road. Many seniors also drive fewer miles each year, which reduces their chances of getting into accidents. To attract senior drivers, insurers offer age-based discounts and incentives, including price reductions for completing safety courses designed to improve driving skills. These defensive driving courses are a great way for seniors to stay sharp and potentially save more on their premiums.
Cheapest Minimum Coverage Car Insurance In Hawaii: GEICO
In Hawaii, GEICO stands out for its inexpensive rates on minimum coverage car insurance, with an average monthly fee of $22.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $22 | $268 |
| Farmers | $26 | $314 |
| Allstate | $38 | $461 |
| State Farm | $50 | $605 |
To legally drive in Hawaii, drivers must have at least the minimum required car insurance coverage. This often includes liability insurance, which is split into two components: bodily injury liability and property damage liability. Bodily injury liability helps with medical costs, rehab, and legal fees if you’re at fault for an accident that injures someone.
Meanwhile, property damage liability helps cover the expense of repairing or replacing another person’s car or property if you cause the damage. Hawaii state law sets these minimum coverage levels, though they may change based on factors like your driving history and vehicle. It’s important to understand these rules and ensure you have the right coverage to comply with the law and protect your finances.
Find Affordable Insurance In Hawaii Today
Cheapest Hawaii Car Insurance For Young Drivers
Car insurance rates are often more affordable for young adult drivers in Hawaii than for teenagers. This is because older drivers tend to drive more safely over time, resulting in fewer accidents and claims. Insurance companies consider these trends and provide lower premiums to young adults based on their improved safety records.
Cheapest Insurance For 16-Year-Olds: State Farm
State Farm boasts the most budget-friendly premiums for sixteen-year-olds, averaging around $59 per month.
| Provider | Average Annual Cost | Average Monthly Cost |
| State Farm | $59 | $709 |
| GEICO | $61 | $735 |
| 21st Century | $75 | $900 |
| Allstate | $123 | $1,478 |
| Progressive | $200 | $2,403 |
Cheapest Hawaii Car Insurance For 17-Year-Olds: GEICO
GEICO boasts the lowest rates among insurers for seventeen-year-olds, with an average premium cost of $89.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $89 | $1,068 |
| Island Insurance | $110 | $1,320 |
| State Farm | $163 | $1,956 |
| Progressive | $167 | $2,004 |
| Farmers | $169 | $2,028 |
Cheapest Hawaii Car Insurance For 18-Year-Olds: USAA
USAA boasts the least expensive premiums for 18-year-olds, averaging around $93 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $93 | $1,116 |
| GEICO | $93 | $1,116 |
| Island Insurance | $110 | $1,320 |
| State Farm | $163 | $1,392 |
| Farmers | $169 | $2,028 |
Cheapest Hawaii Car Insurance For 21-Year-Olds: USAA
21-year-olds can expect to pay around $83 monthly for insurance with USAA, the least expensive option.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $83 | $1,006 |
| GEICO | $113 | $1,359 |
| Progressive | $156 | $1,874 |
| Island Insurance | $157 | $1,889 |
| State Farm | $165 | $1,980 |
Cheapest Hawaii Car Insurance For Good Drivers: GEICO
GEICO provides the most affordable coverage for good drivers in Hawaii, with rates of $22 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $22 | $268 |
| Farmers | $26 | $314 |
| Allstate | $38 | $461 |
| State Farm | $50 | $605 |
Safe drivers seeking car insurance in Hawaii may experience varying costs depending on their driving record, age, and coverage preferences. Generally, those with clean records are likely to pay lower premiums because they are considered lower-risk clients by insurance companies. Additionally, they could receive discounts for consistently maintaining a safe driving history.
It’s advisable for safe drivers to compare quotes from several insurers to discover the most competitive rates and coverage options tailored to their circumstances.
Cheapest Car Insurance In Hawaii For Drivers With Prior Incidents
In Hawaii, individuals with a history of accidents, speeding tickets, or DUIs frequently struggle to obtain cost-effective car insurance. These incidents classify them as high-risk to insurance providers, prompting higher premiums to counterbalance the predicted increase in claims. This issue is especially prevalent in Hawaii due to its heightened rate of traffic incidents.
Insurers establish their pricing strategies based on statistical studies that link prior driving incidents with an elevated probability of future claims.
Cheapest Coverage In Hawaii For Drivers With A Speeding Ticket: GEICO
Drivers who’ve been ticketed for speeding can find significant savings with GEICO, where average premiums are just $71.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
| GEICO | $71 | $851 |
| USAA | $89 | $1,064 |
| State Farm | $182 | $2,182 |
| Island Insurance | $133 | $1,592 |
| Farmers | $148 | $1,776 |
Cheapest Coverage In Hawaii For Drivers With An At-Fault Accident: GEICO
GEICO stands out as the most economical option with average premiums as low as $104, particularly beneficial for drivers with at-fault incidents.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
| State Farm | $200 | $2,398 |
| GEICO | $104 | $1,243 |
| USAA | $120 | $1,438 |
| Island Insurance | $163 | $1,957 |
| Progressive | $248 | $2,974 |
Cheapest Auto Insurance In Hawaii For Drivers After A DUI: USAA
USAA stands out as the least expensive option with average premiums of $171, particularly for drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $400 | $4,798 |
| USAA | $171 | $2,049 |
| Progressive | $280 | $3,358 |
| Farmers | $220 | $2,638 |
| Allstate | $480 | $5,758 |
Average Cost Of Car Insurance In Hawaii – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $143 | $1,724 |
| 17 | $153 | $1,840 |
| 18 | $154 | $1,852 |
| 19 | $150 | $1,800 |
| 21 | $149 | $1,797 |
| 25 | $147 | $1,765 |
| 35 | $137 | $1,652 |
| 45 | $133 | $1,600 |
| 55 | $133 | $1,600 |
| 65 | $137 | $1,652 |
| 75 | $137 | $1,652 |
Average Cost Of Auto Insurance In Hawaii – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,250 |
| Male | Single | $1,350 |
| Female | Married | $1,100 |
| Male | Married | $1,150 |
Average Cost In Hawaii – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $170 | $1,655 |
| Good | $200 | $1,655 |
| Fair | $230 | $1,656 |
| Poor | $265 | $1,655 |
Cheapest Car Insurance In Hawaii – By City
| City | Average Monthly Cost | Average Annual Cost |
| Kapaa | $171 | $2,052 |
| Lihue | $171 | $2,052 |
| Waimea | $191 | $2,295 |
| Honolulu | $193 | $2,312 |
| MCBH Kaneohe Bay | $193 | $2,312 |
| Schofield Barracks | $193 | $2,312 |
Car Insurance Discounts In Hawaii
As you explore car insurance options, consider looking into discounts that fit your specific situation. Your agent might also help you find discounts you aren’t using. Here are common discounts insurers offer:
- Safe Driver Discount: For maintaining a clean driving record.
- Multi-Vehicle Discount: Savings for insuring more than one vehicle under the same policy.
- Bundling Discount: Discounts for combining auto insurance with other coverage like homeowners or renters.
- Good Student Discount: Available for students with high academic performance.
- Defensive Driving Discount: Taking a defensive driving course can lower your insurance rates.
Minimum Car Insurance Requirements In Hawaii
The minimum car insurance in Hawaii includes liability coverage for bodily injury and property damage, commonly referred to as 20/40/10. This provides $20,000 for injury per person, $40,000 per accident, and $10,000 for property damage. The state also requires Personal Injury Protection (PIP), which covers medical costs and lost wages, regardless of who caused the accident.
Alternatively, drivers can choose the Health Insurance Primary (HIP) option, where their health insurance pays for medical expenses instead of PIP, though not all health insurance plans qualify.
Our Methodology
In my research, I adopted a systematic approach to collect and analyze data on different car insurance providers and policies. First, I identified key factors for evaluation, including coverage choices, pricing, customer satisfaction, and financial stability. Next, I gathered information from reliable sources such as insurance company websites, consumer reviews, and industry reports. After compiling the data, I categorized it and evaluated each insurer based on predefined criteria. This included comparing coverage options, premium rates, discounts, and customer feedback to determine the strengths and weaknesses of each provider.
Quotes Assessed
Research Hours
Years Of Industry Experience
Brands Reviewed
FAQs
How much is car insurance a month in Hawaii ?
Car insurance costs per month in Hawaii can differ based on factors including age, driving record, and chosen coverage.
What is the minimum car insurance one must have in Hawaii ?
Car insurance in Hawaii must meet certain minimum requirements, including liability coverage for bodily injury and property damage, as well as Personal Injury Protection (PIP) coverage.
Which insurance is better in Hawaii ?
The most suitable insurance in Hawaii depends on your preferences, driving style, and coverage necessities. It’s recommended to compare quotes from various insurers to discover the most suitable option.
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