Cheap Car Insurance in Hawaii for 2026 (Big Savings With These 10 Companies!)
Geico, State Farm, and Travelers provide cheap car insurance in Hawaii, with $22 monthly rates. Geico stands out with budget-friendly options, State Farm offers reliable coverage, and Travelers delivers savings through usage-based discounts, making them excellent choices for Hawaii drivers.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 20, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 20, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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18,157 reviewsCompany Facts
Min. Coverage in Hawaii
A.M. Best Rating
Complaint Level
Pros & Cons
18,157 reviews
1,734 reviewsCompany Facts
Min. Coverage in Hawaii
A.M. Best
Complaint Level
Pros & Cons
1,734 reviewsGeico, State Farm, and Travelers provide the best options for cheap car insurance in Hawaii, with rates starting as low as $22/month. Geico leads with affordable rates and excellent coverage.
While State Farm offers reliable policies, and Travelers delivers savings through usage-based discounts. These providers ensure quality coverage tailored to Hawaii drivers’ needs.
Our Top 10 Company Picks: Cheap Car Insurance in Hawaii| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $22 | A++ | Affordable Rates | Geico |
 | #2 | $23 | B | Reliable Coverage | State Farm |
 | #3 | $27 | A++ | Usage-Based | Travelers |
 | #4 | $29 | A+ | Flexible Options | Progressive |
 | #5 | $30 | A | Hybrid Discounts | American Family |
 | #6 | $32 | A+ | Customer Satisfaction | Amica |
 | #7 | $35 | A | Member Benefits | AAA |
 | #8 | $36 | A | Customizable Policies | Farmers |
 | #9 | $43 | A+ | Comprehensive Coverage | Allstate |
 | #10 | $47 | A | Replacement Coverage | Liberty Mutual |
For comprehensive protection, exploring options for the best car insurance for full coverage can ensure you’re well-covered for all possible scenarios.
Ready to shop around for the best car insurance company? Enter your ZIP code above and see which one offers the coverage you need.
- Find cheap car insurance in Hawaii with rates starting at $22/month
- Geico is the best pick for affordable, reliable coverage
- Tailored policies help Hawaii drivers save on quality insurance
#1 – Geico: Top Overall Pick
Pros
- Affordable Monthly Rates: Geico offers some of the most cheap car insurance, making it an excellent choice for budget-conscious drivers.
- Excellent A++ A.M. Best Rating: Geico’s A++ rating from A.M. Best reflects its high financial strength, ensuring that you get reliable, cheap car insurance.
- Highly Affordable Rates: Geico’s combination of low monthly rates and solid financial stability makes it a top pick. Read more about affordable rates at “Geico Insurance Review.”
Cons
- Limited Personalized Service: Geico’s focus on low rates and online service may lead to less personalized customer support, which may affect those seeking a more tailored experience.
- May Not Address Specialized Needs: Geico’s standard coverage options may not fully address specific needs, potentially limiting their effectiveness for some drivers.
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#2 – State Farm: Best for Reliable Coverage
Pros
- Competitive Monthly Rates: State Farm offers competitive pricing for cheap car insurance while maintaining reliable coverage. Discover more options at “State Farm Insurance Review.”
- Strong Track Record: Despite its B rating from A.M. Best, State Farm’s reputation for reliability makes it a dependable choice for cheap car insurance.
- Reliable Coverage: State Farm’s consistent service ensures that drivers get dependable car insurance in Hawaii with a focus on solid coverage.
Cons:
- Lower A.M. Best Rating: State Farm’s B rating from A.M. Best may not be as reassuring as other providers, which could impact the perception of cheap car insurance.
- Less Flexible Options: State Farm’s coverage options might not be as flexible, potentially making it harder to find cheap car insurance that fits unique needs.
#3 – Travelers: Best for Usage-Based
Pros
- Usage-Based Discounts: Travelers offers usage-based insurance, which can help lower rates for low-mileage drivers. Read our article “Travelers Homeowners Insurance Review.”
- Top A++ A.M. Best Rating: Travelers boasts an A++ rating from A.M. Best, providing confidence in its financial stability and reliability.
- Comprehensive Coverage Options: Travelers offers a variety of coverage options, allowing you to tailor your policy.
Cons
- Higher Premiums for High-Mileage Drivers: Due to Travelers’ usage-based approach, drivers with high mileage might face higher rates.
- Complex Policies: The range of coverage options and usage-based factors might be complex, making it harder to find straightforward, cheap car insurance.
#4 – Progressive: Best for Flexible Options
Pros
- Flexible Coverage Choices: Progressive offers customizable policies, allowing you to adjust coverage to fit your needs. Discover more coverages at “Progressive Insurance Review.”
- A+ A.M. Best Rating: Progressive has an A+ rating from A.M. Best, Which ensures solid financial stability and reliable coverage.
- Competitive Monthly Rates: Progressive delivers affordable rates and flexible coverage options, making it a good choice for cheap car insurance.
Cons
- Potential Higher Rates for Some Drivers: Progressive’s rates might be higher, depending on your driving profile, impacting the affordability of cheap car insurance in Hawaii.
- Complex Discount Structure: The many discounts and options available can be confusing, potentially complicating the process of securing cheap car insurance.
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#5 – American Family: Best for Hybrid Discounts
Pros
- Hybrid Vehicle Discounts: The American Family provides discounts for hybrid vehicles, making it an excellent choice for cheap car insurance if you drive a hybrid.
- An M. Best Rating: American Family offers solid financial stability, and A.M. Best’s A rating ensures dependable, cheap car insurance.
- Comprehensive Coverage Options: This company offers a range of coverage options tailored to different needs. Read more at “American Family Insurance Review.”
Cons
- Higher Rates for Non-Hybrids: Drivers of non-hybrid vehicles might not benefit from the same level of discounts.
- Limited Availability in Some Areas: American Family’s coverage may not be available everywhere in Hawaii, potentially limiting options for cheap car insurance.
#6 – Amica: Best for Customer Satisfaction
Pros
- High Customer Satisfaction: Amica’s excellent customer satisfaction ratings ensure a positive experience for those seeking with a focus on high-quality service.
- A+ A.M. Best Rating: With an A+ rating from A.M. Best, Amica provides financial solid stability, ensuring reliability. Discover more about the best ratings at “Amica Insurance Review.”
- Competitive Monthly Rates: Amica offers affordable rates and high customer satisfaction, making it a solid choice for cheap car insurance in Hawaii.
Cons
- Higher Premiums for High-Mileage Drivers: Amica’s rates may increase for drivers with high mileage.
- Limited Discounts: Compared to some competitors, Amica might offer fewer discounts, which could impact the overall cost.
#7 – AAA: Best for Member Benefits
Pros
- Exclusive Member Benefits: AAA provides valuable member benefits, including discounts and roadside assistance.
- A.M. Best Rating: With an A rating from A.M. Best, AAA offers reliable financial stability. Read our article “AAA Insurance Review” to know more.
- Competitive Monthly Rates: AAA offers affordable rates and exclusive member benefits, making it a good option for cheap car insurance in Hawaii.
Cons
- Membership Fees: AAA’s membership fees add to the overall cost, which might affect the affordability of cheap car insurance in Hawaii.
- Limited Discount Options: Non-members may not access the full range of discounts, potentially impacting the cost.
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#8 – Farmers: Best for Customizable Policies
Pros
- Customizable Coverage: Farmers offers highly customizable policies, allowing you to tailor coverage to your needs. Gain more insight about coverages at “Farmers Insurance Review.”
- A.M. Best Rating: Farmers Insurance has an A rating from A.M. Best, ensuring robust financial stability and reliable coverage for cheap car insurance in Hawaii.
- Competitive Monthly Rates: Farmers offers affordable rates and customizable policies, making it an excellent choice for cheap car insurance.
Cons
- Higher Rates for Young Drivers: Farmers may charge young drivers higher premiums, affecting their ability to find cheap car insurance.
- Complex Policy Structure: The extensive range of customizable options can be overwhelming, potentially complicating securing cheap car insurance in Hawaii.
#9 – Allstate: Best for Comprehensive Coverage
Pros
- Extensive Coverage Options: Allstate offers comprehensive coverage to protect against various risks, making it a strong option for cheap car insurance.
- A+ A.M. Best Rating: Allstate’s A+ rating from A.M. Best ensures solid financial stability and reliable, cheap car insurance in Hawaii.
- Competitive Monthly Rates: Allstate delivers extensive coverage options and strong financial stability, making it a solid choice. Discover more at “Allstate Insurance Review.”
Cons
- Higher Premiums for Some Drivers: Allstate’s rates may be higher for specific drivers, which could impact the overall affordability.
- Potentially Complex Pricing: The variety of coverage options and discounts can be complex, making it challenging to find the most cost-effective insurance.
#10 – Liberty Mutual: Best for Replacement Coverage
Pros
- Replacement Coverage: Liberty Mutual’s replacement coverage ensures you receive adequate compensation if your vehicle is totaled.
- An M. Best Rating: With an A rating from A.M. Best, Liberty Mutual offers solid financial stability, ensuring reliable coverage. Discover more at “Liberty Mutual Insurance Review.”
- Competitive Monthly Rates: Liberty Mutual provides affordable rates and comprehensive replacement coverage, making it a good option.
Cons
- Higher Premiums for Some Drivers: Liberty Mutual’s rates may be higher for specific drivers, potentially affecting the affordability of cheap car insurance.
- Limited Local Agent Network: Liberty Mutual’s network may be less extensive, impacting the availability of cheap car insurance with personalized service.
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Understanding Car Insurance in Hawaii
Finding the right car insurance in Hawaii is essential for drivers seeking coverage tailored to the islands’ unique lifestyle. Whether you’re exploring options for cheap car insurance Hawaii or comparing Hawaii car insurance rates, there are plenty of opportunities to save.
Hawaii Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $35 | $95 |
| $43 | $118 |
| $30 | $82 |
| $32 | $88 |
| $36 | $99 |
| $22 | $59 |
| $47 | $128 |
| $29 | $78 |
| $23 | $64 |
| $27 | $72 |
But did you know that car insurance policies offer more than basic coverage? For instance, the best car insurance for PIP coverage provides essential financial protection for medical expenses, regardless of fault in an accident.
Let’s dive deeper into the different types of coverage and what they entail.
The Basics of Car Insurance
Car insurance policies typically consist of several types of coverage. Liability coverage pays for the damages you cause to others if you are at fault in an accident.
This coverage ensures you are not left financially responsible for someone else’s medical bills or property damage. It’s an essential component of any car insurance policy.
5 Most Common Auto Insurance Claims in Hawaii| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 33% | $3,700 |
| Comprehensive | 20% | $2,500 |
| Property Damage | 18% | $4,100 |
| Bodily Injury Liability | 16% | $15,500 |
| Personal Injury Protection (PIP) | 13% | $8,900 |
Collision coverage, on the other hand, pays for the damages to your vehicle if you are at fault in an accident. Whether it’s a minor fender bender or a major collision, this coverage ensures that your car gets repaired or replaced, saving you from hefty out-of-pocket expenses.
Comprehensive coverage protects against theft, vandalism, and other non-collision incidents. Imagine waking up one morning to find your car missing or vandalized.
With comprehensive coverage, you can rest easy knowing that your insurance will compensate you for the loss or damages.
Hawaii Car Insurance Discounts by Provider| Insurance Company | Available Discounts |
|---|---|
 | Multi-policy, Safe driver, Good student, Membership, Anti-theft |
 | Multi-policy, Safe driver, New car, Good student, Anti-theft, Paperless |
 | Multi-policy, Good student, Steer into Savings (switching discount), Loyalty, Hybrid |
 | Multi-policy, Good student, Anti-theft, Loyalty, Autopay, Paid in full |
 | Multi-policy, Safe driver, Signal (usage-based), Good student, Homeowner |
 | Multi-policy, Good driver, Military, Good student, Anti-theft, Safety equipment |
 | Multi-policy, Good student, Safe driver, Hybrid, Anti-theft, Early shopper |
 | Multi-policy, Snapshot (usage-based), Safe driver, Good student, Continuous insurance |
 | Multi-policy, Safe driver, Good student, Anti-theft, Drive Safe & Save (usage-based) |
 | Multi-policy, Safe driver, IntelliDrive (usage-based), Good student, Homeowner |
Additionally, personal injury protection (PIP) coverage covers your medical expenses regardless of who is at fault in an accident. This coverage is essential as it ensures you receive medical treatment and care without worrying about the financial burden.
Uninsured/underinsured motorist coverage is another crucial component of car insurance. It protects you if you are involved in an accident with a driver who doesn’t have sufficient insurance.
In such cases, your insurance will cover the damages, ensuring that you are not left empty-handed.
Factors Affecting Car Insurance Rates in Hawaii
Several factors determine the cost of car insurance in Hawaii. Insurance companies take these factors into account to assess the risk associated with insuring a particular driver.
Hawaii Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Hilo | $2,500 | $1,900 |
| Honolulu | $10,000 | $7,800 |
| Kailua | $2,100 | $1,600 |
| Kaneohe | $1,800 | $1,400 |
| Pearl City | 1,700 | $1,300 |
Many providers offer competitive auto insurance Hawaii policies, and shopping for car insurance quotes Hawaii can help you secure affordable premiums. For drivers wondering, “How much is car insurance in Hawaii?” rates vary by provider, but exploring Hawaii car insurance quotes from top companies ensures you find the best deal.
Regarding car insurance rates in Hawaii, age and driving experience are key factors that insurance companies consider. Younger and inexperienced drivers generally pay more for insurance as they are considered higher risk.
This is because they have less experience on the road and are more likely to engage in risky driving behaviors.
However, as you gain more driving experience and maintain a clean driving record, your premiums may decrease. Insurance companies view experienced drivers as less of a liability, resulting in lower rates.
Another factor affecting your car insurance rates in Hawaii is your vehicle’s make and model. Insurance companies assess different cars’ safety features, repair costs, and theft rates.
For comprehensive protection, considering the best car insurance for uninsured and underinsured motorists is essential, as it ensures coverage of accidents with drivers lacking adequate insurance.
Hawaii Report Card: Auto Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Discount Availability | A- | Discounts are strong, especially for good drivers and multi-policy holders |
| Customer Satisfaction | B+ | Generally positive, though claims handling could see improvement |
| Average Premiums | B | Premiums are slightly above the national average due to higher cost of living |
| Regional Variation | B | Honolulu has significantly higher premiums compared to other regions |
| Premiums for High-Risk Drivers | C+ | Higher premiums for drivers with accidents or violations |
It’s important to note that car insurance rates can vary between different insurance companies in Hawaii. Each insurance company has its method of assessing risk and determining premiums.
Use tools to gather auto insurance quotes in Hawaii and ensure you’re partnering with the right car insurance companies in Hawaii to find the cheapest car insurance in Hawaii while enjoying quality protection.
How to Find Cheap Car Insurance in Hawaii
Now that you understand the basics of car insurance and the factors that affect rates let’s explore how to find affordable car insurance in Hawaii.
Hawaii Report Card: Auto Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Good Driver Discount | A | 25% | Geico, State Farm, Progressive, Allstate |
| Good Student Discount | A | 20% | State Farm, Allstate, Liberty Mutual |
| Multi-Policy Discount | A- | 20% | Nationwide, Liberty Mutual, USAA |
| Defensive Driving Discount | B+ | 15% | Allstate, The Hartford, Geico |
| Low Mileage Discount | B | 10% | Progressive, Nationwide, Liberty Mutual |
Living in the beautiful state of Hawaii comes with its perks, but finding affordable car insurance can sometimes be a challenge. However, with some knowledge and research, you can see the best coverage at competitive prices.
Shopping Around for Quotes
One of the most effective ways to find cheap car insurance in Hawaii is to shop around and compare Hawaii auto insurance quotes from multiple insurance companies. Each company uses different algorithms to calculate rates, so getting quotes from various providers will help you find the most competitive prices.
To get cheap auto insurance in Hawaii, consider factors like your driving record and coverage needs. Comparing Hawaii auto insurance providers can also uncover the best car insurance in Hawaii tailored to your budget. If you’re in Honolulu, you can look for cheap car insurance Honolulu options that deliver value and peace of mind.
Maintaining a Clean Driving Record
As mentioned, a clean driving record can lead to lower insurance rates. By obeying traffic laws, avoiding accidents, and practicing safe driving habits, you can keep your premiums affordable over time.
Another way to keep your premiums low is by taking defensive driving courses. Not only do these courses enhance your driving skills and knowledge, but they can also qualify you for additional discounts from insurance companies.
For those seeking extensive protection, exploring the best car insurance for comprehensive coverage can provide greater peace of mind and robust coverage options.
Schimri Yoyo Licensed Agent & Financial Advisor
Remember, finding cheap car insurance in Hawaii requires patience and diligence. You can secure the best coverage at affordable rates by shopping around for quotes, taking advantage of discounts, and maintaining a clean driving record. So, get started today and enjoy the road ahead with peace of mind. Ready to find cheaper car insurance coverage? Enter your ZIP code below to begin.
Frequently Asked Questions
What should I do if I experience a car accident in Hawaii?
If you experience a car accident in Hawaii, ensure everyone is safe and call for medical assistance if necessary. Then, exchange insurance information, document the scene with photos, and report the accident to your insurer to start the claims process (Read more: How to File an Car Insurance Claim With Safety First Insurance Company).
Can I find cheap car insurance in Hawaii even if I have a bad driving record?
Yes, but it may be more challenging. Shopping around and comparing quotes from multiple providers can help you find the best rates despite a bad driving record. Finding cheap car insurance quotes is easy. Enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
Can I get car insurance in Hawaii if I don’t own a car?
Yes, non-owner car insurance provides liability coverage for those who frequently borrow or rent cars.
What factors can affect the cost of car insurance in Hawaii?
Your age, driving record, vehicle type, credit history, and location all impact car insurance costs. Providers may also consider local accident and theft rates. To offset higher rates due to location, you can get low-cost car insurance with driver discounts, which will help you reduce your overall costs.
What is the cheapest car insurance available in Hawaii?
Geico offers the lowest rates, starting at $22/month, making it the top choice for affordable coverage.
How can I find reliable car insurance in Hawaii?
Compare providers like Geico, State Farm, and Travelers, which offer competitive rates and dependable coverage tailored to Hawaii drivers.
Does Geico offer good coverage for Hawaii drivers?
Yes, Geico provides affordable rates, strong financial stability, and a reputation for excellent customer service, making it a top choice.
Are there discounts available for car insurance in Hawaii?
Yes, discounts are available for safe driving, bundling policies, installing anti-theft devices, availing a good student car insurance discount, or completing defensive driving courses.
What types of coverage should I consider for Hawaii?
Liability, comprehensive, and collision coverage are essential for Hawaii drivers. Consider additional protections like uninsured motorist and PIP coverage for added security.
How can I lower my car insurance rates in Hawaii?
Maintain a clean driving record, take advantage of discounts, and compare quotes from multiple providers to secure the lowest possible rates.
Enter your ZIP code below to compare cheap insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.