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The best cheap car insurance in Hawaii

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Hawaii drivers pay around $803 a year for car insurance on average, according to the Insurance Information Institute, which is below the national average. 

Shopping around for coverage is the best way to make sure you’re getting the best price for you. Your premium, or the amount you’ll pay for auto insurance coverage, depends on several factors, including things like your credit score, the type of car you drive, how many years of driving experience you have, and even where you live in Hawaii. 

Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.  

The following are the most popular car insurance companies in Hawaii, based on the percentage of insured Hawaii drivers who use them:

Company Market share (%)
GEICO 27.84
State Farm 18.28
USAA* 11.92
Allstate  9.19
Progressive  7.71
Farmers Insurance  5.54
Tokio Marine  5.03
Liberty Mutual  4.93
Island Insurance  3.13
MS&AD Insurance  2.19
The Hartford  1.11
Auto Club Exchange  1.06
DB Insurance Co.  0.76
American Family Insurance  0.33
Fairfax Financial  0.30
Markel  0.17
Ocean Harbor Insurance  0.16
AIG  0.13
Chubb  0.09
MetLife  0.03
Pacific Specialty Insurance Company 0.03
Travelers 0.03

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

For a driver in Hawaii age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premiums
USAA* $113
State Farm $113
GEICO $115
Liberty Mutual $117
Progressive $134
Allstate $139

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 536 policyholders in the state of Hawaii

For a driver in Hawaii age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium
GEICO $130
Progressive $155
State Farm $158
Allstate $174

Above data obtained from Savvy, based on 536 policyholders in the state of Hawaii

Below is the estimated average annual premium of auto insurance policies per household in Hawaii’s most populous cities:

Company Average annual insurance premium
Urban Honolulu  $1,339
East Honolulu  $1,555
Pearl City   $1,454
Hilo   $1,328
Waipahu   $1,426
Kailua   $1,540
Kaneohe   $1,501
Kahului   $1,452
Mililani Town   $1,517
Ewa Gentry   $1,584
Kihei   $1,407
Mililani Mauka   $1,629
Makakilo   $1,549
Schofield Barracks   $1,351
Kapolei   $1,551
Wahiawa   $1,323
Wailuku   $1,435
Royal Kunia   $1,560
Ewa Beach   $1,522
Halawa  $1,489
Waimalu  $1,389
Kailua  $1,373
Waianae   $1,335
Hawaiian Paradise Park   $1,306
Nanakuli   $1,401
Lahaina  $1,391
Waipio   $1,453
Kalaoa   $1,441
Ocean Pointe   $1,627
Kapaa   $1,375
Maili   $1,405
Kaneohe Station   $1,331
Holualoa   $1,402
Waimea  $1,444
Makaha  $1,310
Waihee-Waiehu  $1,522
Aiea   $1,528
Haiku-Pauwela   $1,459
Ahuimanu   $1,528
Hickam Housing   $1,445

Data from S&P Global Intelligence

Hawaii does not allow credit score, age, gender, nor marital status  to be considered as a determining factors for insurance premiums. Therefore, other factors will weigh more, like your driving history, your driving record, where you live, and type of car you drive.

But, with every company considering multiple factors differently, it’s critical to shop around. 

If you want to get the best rate for you, you’ll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you’ll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you’ll pay out-of-pocket if you get into an accident. 

The driver who gets the best deal in Hawaii is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you. 

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