Cheapest and Best Motorcycle Insurance in Hawaii 2024
GEICO is the most budget-friendly choice for those seeking low costs, with a monthly premium of only $20.
Choosing the right motorcycle insurance in Hawaii can be difficult. But don’t fret; you’re in the right place to sort this out. According to our experience, the best provider offers excellent coverage and outstanding customer service.
After 15 years in insurance, I know how failing to get good motorcycle insurance can backfire. It’s not just a legal matter; it’s about protecting your investment.
Leveraging years of expertise, our guide is crafted to help you avoid mistakes and discover the most reliable and budget-friendly options for your motorcycle.
Best Motorcycle Insurance In Hawaii 2024
Compare The Best Motorcycle Insurance Companies In Hawaii
| Overall Rating | Cheapest For | AM Best Rating | J.D. Power Rating | Online Experience | Get A Quote | |
|---|---|---|---|---|---|---|
| Harley-Davidson |
|
Overall |
A+ |
Not Rated |
9/10 |
Instant Quote |
| GEICO |
|
Bundling Insurance |
A++ |
830 |
9/10 |
Instant Quote |
| USAA |
|
Military Members |
A+ |
809 |
7/10 |
Instant Quote |
| Allstate |
|
Customer Service |
A++ |
816 |
8/10 |
Instant Quote |
Our Methodology
I evaluated the top motorcycle insurance in Hawaii using unbiased information from AM Best for financial stability and J.D. Powers for customer satisfaction. I also considered feedback from multiple consumer review platforms and my experience as a former property and casualty insurance agent.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Best Motorcycle Insurance Companies in Hawaii
Best Overall
Key Statistics
Why We Like Them
⇅Harley Davidson excels with robust policies and exceptional service provided by Sentry Insurance. This collaboration offers a unique benefit.
Sentry, a highly respected insurance provider, underwrites Harley Davidson’s policies, guaranteeing reliability and financial security for policyholders. Sentry’s A+ rating from AM Best confirms their ability to meet policyholder commitments.
Harley Davidson’s insurance, backed by Sentry’s expertise, addresses the diverse needs of motorcyclists. With broad coverage options and customer-focused services, these policies are a smart investment for riders.
The blend of Harley Davidson’s personalized insurance solutions and Sentry’s proven reliability makes it the premier choice for motorcycle insurance in the state.
Benefits & Drawbacks
⇅- Coverage options specifically tailored for motorcyclists
- Supported by Sentry Insurance, renowned for financial stability and reliability
- Includes numerous discounts and rewards for safe riders and H.O.G. members ✓
- Some riders might not like being covered by a third-party insurer
- More beneficial for Harley Davidson bike owners than for other brands
- Availability may be limited in certain areas ✘
Best For Bundling Insurance
Key Statistics
Why We Like Them
⇅GEICO offers an excellent option for bundling insurance in Hawaii, especially when it involves motorcycle insurance. Their competitive pricing on various insurance types makes them a go-to for Hawaii residents who want to combine their coverage.
GEICO sets itself apart by seamlessly integrating motorcycle, auto, and home insurance into one policy package. This simplifies the management of insurance policies and often leads to substantial savings for policyholders.
GEICO’s affordability is complemented by its user-friendly experience. Their digital tools, such as a comprehensive website and a highly-rated mobile app, make policy adjustments easy. Moreover, GEICO’s customer service is top-rated, ensuring prompt and efficient assistance for policyholders.
Hawaii motorcyclists enjoy easy access to policy information and hassle-free claims processing with GEICO. The combination of cost-effectiveness, convenience, and excellent customer service makes GEICO the preferred choice for bundling insurance in the Golden State.
Benefits & Drawbacks
⇅- Competitive pricing and a range of discounts are available
- User-friendly online tools and a mobile app make managing policies easy
- Efficient claims processing with a strong reputation for customer service ✓
- Coverage options may be less specialized for motorcycles compared to providers focused exclusively on motorcycle insurance
- Some customers have reported variability in customer service experiences
- Policy customization options may be more limited compared to niche motorcycle insurance providers ✘
Best for Military Members
Key Statistics
Why We Like Them
⇅Military members will find USAA to be the best choice for motorcycle insurance, thanks to its specialized services and trusted partnership. USAA acknowledges the distinct needs of the military community and has selected Progressive, an A+ (Superior) rated company, to oversee coverage and claims. This collaboration combines Progressive’s reputable motorcycle insurance services with USAA’s commitment to military personnel and their families.
USAA’s collaboration with Progressive means members receive specialized motorcycle insurance supported by financial stability and field expertise. Additionally, USAA’s highest customer service rating from J.D. Powers demonstrates its dedication to excellence and customer satisfaction.
Military personnel reap the benefits of this alliance through efficient service, rapid claims handling, and policies that understand the specific needs of military life. The synergy between USAA and Progressive offers a trustworthy, all-inclusive insurance solution for military riders.
Benefits & Drawbacks
⇅- Services and discounts crafted specifically for military members and their families
- Coverage and claims are managed by Progressive, experts in motorcycle insurance
- USAA is highly praised for its customer service, offering a responsive and supportive experience ✓
- Membership in USAA is restricted to military members, veterans, and their families, excluding the general public
- Some policyholders may favor working directly with a single insurer instead of a partnership arrangement
- Coverage options and benefits might be more generic as they are part of a larger, non-specialized portfolio ✘
Best for Customer Service
Key Statistics
Why We Like Them
⇅For motorcycle insurance in Hawaii, Allstate stands out due to its superior customer service. Renowned for its individualized approach, Allstate makes sure each policyholder gets the personalized attention they need. This is especially important for motorcyclists, whose needs and concerns often differ from those of regular auto insurance customers.
Allstate agents in Hawaii are a vital asset to the state’s diverse biking scene. With a deep understanding of local road regulations and biking culture, they offer more than just insurance guidance. Allstate’s online and mobile tools also provide 24/7 access to manage policies and file claims.
Allstate is an excellent choice for motorcycle insurance in Hawaii because of their experienced local agents, reliable digital platforms, and commitment to customer satisfaction.
Benefits & Drawbacks
⇅- A wide array of coverage options and customizable policies to suit individual needs
- Personalized service from local agents familiar with regional insurance requirements
- Multiple discounts offered, including for safe riding and bundling policies ✓
- Premiums could be higher than those of some competitors
- Discounts and policy choices can vary significantly with individual circumstances
- Policies may be more fitting for casual riders rather than those who are professional or competitive ✘
Cheapest Motorcycle Insurance In Hawaii For Minimum Liability Coverage
According to our research, USAA (Progressive) has the lowest rates for minimum coverage in Hawaii, charging $6 a month.
“Cheapest minimum coverage for motorcycle insurance in Hawaii” refers to the most economical policies that meet the state’s legal requirements for motorcycle riders. These policies generally include basic liability coverage for bodily injury and property damage the rider might cause in an accident.
Insurance rates in this category are largely determined by driving history. A clean driving record typically results in lower premiums, as insurers regard these riders as safer. In contrast, a record of accidents or traffic violations usually means higher rates, as insurers see these riders as more prone to future incidents.
It’s important to note that having an accident can seriously affect your insurance rate since it suggests a higher risk of costly claims for the insurance company. This risk assessment directly impacts the price of minimum coverage insurance in Hawaii.
| Insurance Provider | Minimum Coverage Annual Cost (Paid in Full) |
| Progressive | $78 |
| Geico | $107 |
| Allstate | $112 |
| Dairyland | $120 |
Cheapest Motorcycle Insurance In Hawaii For Full Coverage
Through comprehensive research, we determined that Harley-Davidson (Sentry) offers the least expensive full coverage motorcycle insurance in Hawaii, with a monthly cost of $20.
When we talk about “cheapest full coverage for motorcycle insurance in Hawaii,” we mean the most cost-effective options for insurance policies that exceed the state’s minimum liability standards. Full coverage typically involves comprehensive and collision insurance, offering extensive protection against events such as accidents, theft, vandalism, and natural disasters.
Factors like a rider’s driving history greatly impact insurance rates in this category. Riders with clean records usually enjoy lower premiums as insurers deem them less risky.
On the other hand, a track record of accidents or traffic violations frequently leads to higher rates since insurers perceive these riders as posing a higher risk. Specifically, involvement in an accident can substantially raise your rate as it enhances the insurer’s expectation of future claims.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $20 |
| Geico | $24 |
| Progressive | $27 |
| Allstate | $30 |
| Nationwide | $37 |
Average Cost Of Motorcycle Insurance In Hawaii
It’s common for full coverage motorcycle insurance in Hawaii to have a monthly rate of $24.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $20 |
| Geico | $24 |
| Progressive | $27 |
| Allstate | $30 |
| Nationwide | $37 |
Average Cost Of Motorcycle Insurance In Hawaii – By City
Your motorcycle insurance rates in Hawaii are affected by the city you live in. For example, riders in metropolitan areas typically see higher rates than those in rural areas because of the increased accident rates in more populated zip codes.
These ten cities have the lowest motorcycle insurance rates in Hawaii:
| City | Average Monthly Rate |
|---|---|
| Hilo | $55 |
| Kailua | $58 |
| Kaneohe | $60 |
| Waipahu | $62 |
| Pearl City | $65 |
| Kahului | $68 |
| Mililani Town | $70 |
| Kapolei | $72 |
| Ewa Beach | $74 |
| Kihei | $76 |
Do You Need Motorcycle Insurance In Hawaii?
Motorcycle insurance in Hawaii is more than a necessity; it’s legally required. The state mandates that all motorcyclists carry at least the minimum insurance coverage to ride legally on public roads, ensuring financial responsibility for any damages or injuries that might occur in an accident.
In Hawaii, the minimum insurance coverage you must have includes liability insurance, covering bodily injury and property damage you may cause to others. The required minimums are $20,000 for injury/death to one person, $40,000 for injury/death to more than one person, and $10,000 for property damage. This basic policy does not cover the rider’s own injuries or motorcycle damage.
For enhanced protection, riders may opt for extra coverages like collision, comprehensive, and uninsured/underinsured motorist insurance. Collision coverage takes care of damages to your motorcycle in an accident, while comprehensive covers incidents such as theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is particularly important in Hawaii, where many drivers might not have sufficient insurance.
While the law mandates minimum insurance coverage, riders are wise to assess their specific needs based on their motorcycle’s value, riding frequency, and financial situation. Failure to maintain the required insurance can lead to fines, license suspension, and motorcycle impoundment.
How To Get A Motorcycle Insurance Quote
Securing a motorcycle insurance quote is a clear process that involves several steps:
Gather Your Personal Information: Prepare your personal information before beginning. This should include your full name, address, date of birth, and driver’s license number. Also, have information ready about any additional riders who might use the motorcycle.
Collect Your Motorcycle’s Details: Make sure you have specific information about your motorcycle, including the make, model, year, engine size, and vehicle identification number (VIN), before you start. If you’ve made any modifications or have specific safety features, have those details prepared, as they can impact your quote.
Determine Your Insurance Needs: Decide on the type of coverage you need, including choosing liability limits and considering additional options like comprehensive, collision, or uninsured motorist coverage.
Research Insurance Providers: Check out insurance providers that specialize in motorcycle insurance, reviewing their reputation, customer service evaluations, and financial standing.
Get Quotes: Get quotes online, by phone, or in person. Supply the gathered information to the insurance provider. Online forms make it easy and quick to get several quotes. (Insuranceopedia can streamline your selection process by providing multiple quotes.)
Compare Quotes: After collecting several quotes, assess them based on price, coverage options, deductibles, and any exclusions or limitations. Make sure the coverage types are consistent across different quotes.
Ask About Discounts: Ask the insurance provider about any discounts you might be eligible for, such as for safe driving, multiple policy bundles, or motorcycle safety courses.
Review Quotes and Select a Policy: Go through all the information and decide on the policy that offers the best combination of price and coverage for your needs.
Provide Additional Information and Make Your Purchase: When you’ve chosen a provider, you may need to give additional information or documentation. Review the policy details, make the first payment, and receive your proof of insurance.
Don’t forget, the cheapest quote isn’t necessarily the best. Assess the value of the coverage you receive for the price you pay.
FAQs
How much is motorcycle insurance in Hawaii?
The monthly average for full coverage motorcycle insurance in Hawaii is $24.
Who is the cheapest motorcycle insurance company in Hawaii?
Harley Davidson provides the cheapest motorcycle insurance in Hawaii at $20 monthly, with Sentry Insurance Company managing the coverage and customer service.
Do you need motorcycle insurance in Hawaii?
By law, motorcycle operators in Hawaii must have motorcycle insurance.
