Cheap Car Insurance in Hawaii for 2024 (Big Savings With These 10 Companies!)

Cheapest in Hawaii: Geico

19,116 reviews

4.1

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Company Facts

Min. Coverage in Hawaii

$22/mo

A.M. Best Rating

A++ (Superior)

Complaint Level

Med

Pros & Cons

• Some of the lowest rates in the country
• Ample discount opportunities to help you save
• Excellent mobile app

• Limited car insurance add-on options
• No gap insurance
• Some Geico features aren’t available in every state

» Geico Car Insurance Review

19,116 reviews

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2nd Cheapest in Hawaii: State Farm

17,757 reviews

4.1

Company Facts

Min. Coverage in Hawaii

$23/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• Excellent customer service
• Wide range of insurance coverage options
• Financially strong

• State Farm insurance rates are slightly higher than the national average
• Weak international presence
• State Farm claims process can be slow

» State Farm Car Insurance Review

17,757 reviews

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3rd Cheapest in Hawaii: Travelers

1,731 reviews

4.1

Company Facts

Min. Coverage in Hawaii

$27/mo

A.M. Best Rating

A++

Complaint Level

Low

» Travelers Car Insurance Review

1,731 reviews

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Find cheap car insurance in Hawaii with rates starting at $22/mo by Geico. Explore top options from State Farm and Travelers for affordable coverage.

Hawaii is a beautiful state known for its stunning landscapes and vibrant culture. Whether you are a resident or a visitor, having car insurance is a necessity to protect yourself and others on the road.

For comprehensive protection, exploring options for the best full coverage car insurance can ensure you’re well-covered for all possible scenarios.

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

In this article, we will explore the ins and outs of car insurance in Hawaii, factors that affect insurance rates, how to find affordable insurance, and the top car insurance companies in the state. Enter your ZIP code now and get the best prices.

#1 — Geico: Top Overall Pick

Pros

• Affordable Monthly Rates: With monthly rates starting at just $22, Geico offers some of the most cheap car insurance in Hawaii, 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 in Hawaii.
• Highly Affordable Rates: Geico’s combination of low monthly rates and strong financial stability makes it a top pick for cheap car insurance in Hawaii. 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 might affect those seeking a more tailored experience for cheap car insurance in Hawaii.
• May Not Address Specialized Needs: Geico’s standard coverage options may not fully cater to specific needs, potentially limiting its effectiveness for some drivers looking for cheap car insurance in Hawaii.

#2 — State Farm: Best for Reliable Coverage

Pros

• Competitive Monthly Rates: At $23 per month, State Farm offers competitive pricing for cheap car insurance in Hawaii, while maintaining reliable coverage.
• 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 in Hawaii.
• Reliable Coverage: State Farm’s consistent service ensures that drivers get dependable cheap 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 in Hawaii.
• Less Flexible Options: State Farm’s coverage options might not be as flexible, potentially making it harder to find cheap car insurance in Hawaii that fits unique needs. Discover more flexible options at “State Farm Insurance Review“.

#3 — Travelers: Best for Usage-Based

Pros

• Usage-Based Discounts: Travelers offers usage-based insurance, which can help lower rates for low-mileage drivers, making it a good option for cheap car insurance in Hawaii. Read more at “Travelers 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 for cheap car insurance in Hawaii.
• Comprehensive Coverage Options: Travelers offers a variety of coverage options, allowing you to tailor your policy and find cheap car insurance in Hawaii that meets your specific needs.

Cons:

• Higher Premiums for High-Mileage Drivers: Drivers with high mileage might face higher rates due to Travelers’ usage-based approach, which could complicate the search for cheap car insurance in Hawaii.
• Complex Policies: The range of coverage options and usage-based factors might be complex, potentially making it harder to find straightforward cheap car insurance in Hawaii.

#4 — Progressive: Best for Flexible Options

Pros

• Flexible Coverage Choices: Progressive offers customizable policies, allowing you to adjust coverage to fit your needs, which helps in finding cheap car insurance in Hawaii that works for you.
• A+ A.M. Best Rating: With an A+ rating from A.M. Best, Progressive provides strong financial stability, ensuring reliable coverage for cheap car insurance in Hawaii.
• Competitive Monthly Rates: At $29 per month, Progressive delivers affordable rates combined with flexible coverage options, making it a good choice for cheap car insurance in Hawaii.

Cons

• Potential Higher Rates for Some Drivers: Depending on your driving profile, Progressive’s rates might be higher, impacting the affordability of cheap car insurance in Hawaii. Discover more at “Progressive Insurance Review“.
• Complex Discount Structure: The many discounts and options available can be confusing, potentially complicating the process of securing cheap car insurance in Hawaii.

#5 — American Family: Best for Hybrid Discounts

Pros

• Hybrid Vehicle Discounts: American Family provides discounts for hybrid vehicles, making it an excellent choice for cheap car insurance in Hawaii if you drive a hybrid.
• A M. Best Rating: With an A rating from A.M. Best, American Family offers solid financial stability, ensuring dependable cheap car insurance in Hawaii.
• Comprehensive Coverage Options: Offers a range of coverage options that can be tailored to different needs, helping you find cheap car insurance in Hawaii that fits your situation.

Cons

• Higher Rates for Non-Hybrids: Drivers of non-hybrid vehicles might not benefit from the same level of discounts, which could affect the affordability of cheap car insurance in Hawaii. Read more at “American Family Insurance Review“.
• Limited Availability in Some Areas: American Family’s coverage may not be available everywhere in Hawaii, potentially limiting options for cheap car insurance in Hawaii.

#6 — Amica: Best for Customer Satisfaction

Pros

• High Customer Satisfaction: Amica’s excellent customer satisfaction ratings ensure a positive experience for those seeking cheap car insurance in Hawaii, with a focus on high-quality service.
• A+ A.M. Best Rating: With an A+ rating from A.M. Best, Amica provides strong financial stability, ensuring reliable cheap car insurance in Hawaii.
• Competitive Monthly Rates: At $32 per month, Amica offers affordable rates along with high customer satisfaction, making it a solid choice for cheap car insurance in Hawaii. Discover more competitive monthly rates at “Amica Insurance Review“.

Cons

• Higher Premiums for High-Mileage Drivers: Amica’s rates may increase for drivers with high mileage, potentially making it harder to find cheap car insurance in Hawaii.
• Limited Discounts: Compared to some competitors, Amica might offer fewer discounts, which could impact the overall cost of cheap car insurance in Hawaii.

#7 — AAA: Best for Member Benefits

Pros

• Exclusive Member Benefits: AAA provides valuable member benefits, including discounts and roadside assistance, enhancing the value of cheap car insurance in Hawaii.
• A M. Best Rating: With an A rating from A.M. Best, AAA offers reliable financial stability, making it a dependable choice for cheap car insurance in Hawaii. Read more at “AAA Insurance Review“.
• Competitive Monthly Rates: At $35 per month, AAA offers affordable rates along with 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 of cheap car insurance in Hawaii.

#8 — Farmers: Best for Customizable Policies

Pros

• Customizable Coverage: Farmers offers highly customizable policies, allowing you to tailor coverage to your needs, which helps in finding cheap car insurance in Hawaii that fits your preferences.
• A M. Best Rating: With an A rating from A.M. Best, Farmers provides strong financial stability, ensuring reliable coverage for cheap car insurance in Hawaii.
• Competitive Monthly Rates: At $36 per month, Farmers offers affordable rates combined with customizable policies, making it a great choice for cheap car insurance in Hawaii.

Cons

• Higher Rates for Young Drivers: Young drivers may face higher premiums with Farmers, affecting their ability to find cheap car insurance in Hawaii. Learn more at “Farmers Insurance Review“.
• Complex Policy Structure: The extensive range of customizable options can be overwhelming, potentially complicating the process of 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 in Hawaii with thorough protection.
• A+ A.M. Best Rating: With an A+ rating from A.M. Best, Allstate provides strong financial stability, ensuring reliable cheap car insurance in Hawaii.
• Competitive Monthly Rates: At $43 per month, Allstate delivers extensive coverage options and strong financial stability, making it a solid choice for cheap car insurance in Hawaii.

Cons

• Higher Premiums for Some Drivers: Allstate’s rates may be higher for certain drivers, which could impact the overall affordability of cheap car insurance in Hawaii. Discover more at “Allstate Insurance Review“.
• Potentially Complex Pricing: The variety of coverage options and discounts can be complex, potentially making it challenging to find the most cost-effective cheap car insurance in Hawaii.

#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, providing valuable protection for cheap car insurance in Hawaii.
• A M. Best Rating: With an A rating from A.M. Best, Liberty Mutual offers strong financial stability, ensuring reliable coverage for cheap car insurance in Hawaii. Discover more at “Liberty Mutual Insurance Review“.
• Competitive Monthly Rates: At $47 per month, Liberty Mutual provides affordable rates combined with comprehensive replacement coverage, making it a good option for cheap car insurance in Hawaii.

Cons

• Higher Premiums for Some Drivers: Liberty Mutual’s rates may be higher for certain drivers, potentially affecting the affordability of cheap car insurance in Hawaii.
• Limited Local Agent Network: If you prefer working with local agents, Liberty Mutual’s network may be less extensive, which could impact the availability of cheap car insurance in Hawaii with personalized service.

Understanding Car Insurance in Hawaii

When it comes to car insurance, it’s important to have a basic understanding of how it works. Car insurance is a contract between you and an insurance company that protects you financially in the event of an accident or theft. It provides coverage for property damage, bodily injury, and medical expenses.

But did you know that car insurance policies offer more than just the 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 that 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.

Collision coverage, on the other hand, pays for the damages to your own 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 provides protection 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.

Additionally, personal injury protection (PIP) coverage covers your medical expenses regardless of who is at fault in an accident. This coverage is particularly important as it ensures that you receive the necessary medical treatment and care, without having to worry 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 own insurance will step in and 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. Understanding these factors can help you find ways to lower your insurance premiums. Enter your ZIP code now and get the best deals.

When it comes to 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 that can affect your car insurance rates in Hawaii is the make and model of your vehicle. Insurance companies assess the safety features, repair costs, and theft rates of different vehicles.

For comprehensive protection, considering the best car insurance for uninsured and underinsured drivers is essential, as it ensures coverage in case of accidents with drivers lacking adequate insurance.

It’s important to note that car insurance rates can vary between different insurance companies in Hawaii. Each insurance company has its own method of assessing risk and determining premiums. This is why it’s important to shop around and compare quotes from multiple insurance providers to find the best rates for your specific circumstances.

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.

Living in the beautiful state of Hawaii comes with its perks, but finding affordable car insurance can sometimes be a challenge. However, with a little knowledge and research, you can find the best coverage at the most 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 quotes from multiple insurance companies. Each company uses different algorithms to calculate rates, so getting quotes from different providers will help you find the most competitive prices.

When shopping around for quotes, it’s important to provide accurate information about your driving history, the type of car you drive, and your desired coverage. This will ensure that the quotes you receive are as accurate as possible.

Maintaining a Clean Driving Record

As mentioned earlier, having 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 companies for comprehensive coverage can provide greater peace of mind and robust coverage options.

Remember, finding cheap car insurance in Hawaii requires patience and diligence. By shopping around for quotes, taking advantage of discounts, and maintaining a clean driving record, you can secure the best coverage at affordable rates. So, get started today and enjoy the road ahead with peace of mind.

Top Affordable Car Insurance Companies in Hawaii

When it comes to choosing an insurance company, it’s important to consider factors such as customer service, coverage options, and pricing. For those prioritizing protection against accidents, researching the best car insurance companies for collision coverage is essential. Here are three of the top car insurance companies in Hawaii. Enter your ZIP code now.

Company A Review

Company A is known for its excellent customer service and competitive rates. They offer a wide range of coverage options tailored to meet the needs of Hawaii drivers. Their efficient claims process ensures that you’ll be back on the road quickly after an accident.

With Company A, you can have peace of mind knowing that their customer service representatives are available 24/7 to assist you with any questions or concerns. Whether you need help understanding your policy or filing a claim, their knowledgeable and friendly team is there to guide you every step of the way.

Moreover, Company A understands the unique driving conditions in Hawaii, including the potential risks associated with volcanic activity and tropical storms. They offer specialized coverage options to protect you against these specific hazards, ensuring that you have comprehensive protection for your vehicle.

Company B Review

Company B is a reputable insurance provider that offers comprehensive coverage at affordable prices. Their user-friendly website makes it easy to manage your policy and file claims online. They also provide valuable discounts for safe drivers and loyal customers.

When you choose Company B, you not only get reliable coverage but also access to a range of helpful resources. Their website features educational materials and articles that can help you become a more informed and responsible driver. Additionally, they offer online tools to calculate your premium based on your specific needs and budget.

Company B believes in rewarding safe driving habits. If you have a clean driving record and demonstrate responsible behavior on the road, you can qualify for significant discounts on your car insurance premium. Furthermore, their loyalty program offers additional benefits and discounts for long-term customers.