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The Best Cheap Hawaii Car Insurance for 2023

Updated Feb. 20, 2023
Dana George
By: Dana George

Our Insurance Expert

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Shopping for auto insurance can be confusing. There are coverage types to consider, driving record, deductibles, and potential discounts to factor in. And let's face it, learning about auto insurance may not be the most exciting thing a person will do on any given day. Here's the good news when it comes to buying auto insurance in the Aloha State: Some of the best car insurance companies offer incredibly competitive rates. Geico, State Farm, and USAA consistently provide the lowest rates for each coverage category.

  • Cheapest for a typical driver: Geico
  • Cheapest for a driver with one speeding ticket: Geico
  • Cheapest for members of the military: Geico
  • Cheapest for a driver with one accident: Geico
  • Cheapest for a driver looking for minimum coverage: Geico

Cheapest for a typical driver

For a "typical" driver with a clean driving record, the cheapest car insurance in Hawaii is available through Geico, which offers an average annual rate of $562.

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Here are two other Hawaii auto insurance carriers worth considering:

  • State Farm, with an average annual rate of $685
  • USAA, with an average rate of $879

Cheapest for a driver with one speeding ticket

Geico proves once again that it's among the best car insurance in Hawaii by offering an average annual rate of $562 to drivers with a single speeding ticket.

Following behind are:

  • State Farm, offering an average annual rate of $757
  • USAA, coming in with an average rate of $923

Cheapest for members of the military

Current and former military members (and their families) enjoy incredibly cheap auto insurance in Hawaii through Geico, with an average annual rate of $562.

Other competitive carriers include:

  • State Farm, offering an average annual rate of $685
  • USAA, with an average yearly rate of $879

Cheapest for a driver with one accident

Geico appears to be the most forgiving insurance company in Hawaii by offering an average annual rate of $871 to drivers with one accident on their record.

Other options include:

  • State Farm, with an average annual rate of $828
  • USAA, offering a yearly rate of $1,095

Cheapest for a driver looking for minimum coverage

Once again, Geico beats competitors' rates by offering cheap liability car insurance in Hawaii, with an average annual rate of $187. That's less than $16 per month.

Other companies offering competitive rates for minimum coverage Hawaii auto insurance include:

  • State Farm, with an average annual rate of $234
  • Allstate, coming in with an average rate of $260

Average car insurance cost in Hawaii compared to the national average

The average cost of auto insurance in Hawaii is $1,096 annually, nearly 59% lower than the national average. The cost of coverage depends on things like age, driving history, credit score, and where the driver lives.

Average Rate Category Hawaii National Average
Overall $1,096 $2,646
Young drivers $1,220 $5,988
1 accident on driving record $1,553 $3,092
1 speeding ticket on driving record $1,310 $2,766

Hawaii auto insurance laws

Per Hawaii car insurance laws, drivers must carry at least minimum liability coverage. Drivers caught without proof of insurance the first time will face a fine of $500 and have their license suspended for up to three months. A subsequent offense within five years will cost the driver between $1,500 to $5,000 and a one-year suspended license. The only way to get their license back is to provide evidence of coverage to their municipal government. Drivers caught without a license more than twice will have their registration plates revoked.

Community service sentences may be imposed instead of fines at a judge's discretion but must be requested by the driver's attorney.

Hawaii minimum coverage requirements

Hawaii minimum car insurance requirements include:

  • $10,000 per person personal injury protection
  • $20,000 per person bodily injury liability
  • $40,000 per accident bodily injury liability
  • $10,000 property damage liability

How to get cheap auto insurance in Hawaii

Landing low-cost car insurance is far easier in Hawaii than in most states due to state-wide low rates. To drive premium costs down even more, drivers should shop around, gather quotes, compare levels of coverage, and consider any discounts offered through insurers.

Hunting for discounts

How much is car insurance in Hawaii? It's the price initially quoted, minus any discounts for which the driver qualifies. The number of potential insurance discounts varies by the insurance company, but taking time to look through the options can save money. Here are some of the most common discounts offered:

  • Good student discount
  • Defensive driver discount
  • Pay-in-full discount
  • Away-at-school discount
  • Occupational discount
  • Alumni discount
  • Professional organization discount
  • Safety feature discount
  • Usage-based discount
  • Multi-car discount
  • Multi-policy discount
  • New car discount

Car insurance quotes in Hawaii are based in part on credit scores. If a driver's credit score is low, taking steps to raise it can lower the rate they pay for auto insurance. One way to land affordable car insurance in Hawaii is to focus on things like paying bills on time and keeping debt levels low. It may take time but will be worth the effort.

Other things to consider when looking for car insurance in Hawaii

According to the Hawaii Department of Commerce and Consumer Affairs, there are some rather interesting coverages available in the state. For example, it is possible to purchase a policy that includes alternative care. While that's not particularly unusual, what sets it apart is that this alternative care coverage includes access to faith healing.

We know at least three things about auto insurance in Hawaii:

  1. It is comparatively inexpensive
  2. Being insured prevents a driver from incurring huge fines
  3. Some policies offer unusual coverage options

The best car insurance companies in Hawaii are happy to provide drivers with the information needed to compare rates and coverages. When it comes to auto insurance, some of the lowest rates in the country are found on the islands. With minimum coverage costing less than $16 per month, it's tough to imagine why anyone would drive without protection.

RELATED: Check out The Ascent's guide to the best homeowners insurance in Hawaii.

Our Insurance Expert