Auto Insurance in Hawaii

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Hawaii residents come out ahead of most people in the U.S. when it comes to auto insurance premiums, with the state rates averaging nearly $400 lower than the national average.

Hawaii

Population: 1,419,561
Hawaii
$1,114
US Average
$1,669

The rate you’ll end up paying is affected by exactly where in the state you live, as well as the weather and natural occurrences that arise in your area. Weather, volcanoes, and earthquakes are three of the unique factors that influence Hawaii’s car insurance rates. Getting multiple quotes can help you make the right decision.

Hawaii Minimum Liability

Bodily Injury

$20k
per person
$40k
per accident

Property Damage

$10k
per accident

At $20,000 per person for bodily injury coverage, $40,000 per accident for bodily injury coverage, and $10,000 for property damage coverage, Hawaii’s minimum liability coverage is below the insurance industry recommended minimum of 50/100/50. However, there are circumstances that may require even more coverage.

The average bodily injury claim in 2013 was $15,443. Hawaii’s minimum may cover you for average and below average claims, but it’s important to remember that half of all claims were actually higher than this. You will be left responsible for paying any remaining claim amounts out-of-pocket, resulting in a large financial burden. It may be prudent to opt for a higher level of protection, such as 100/300/100, to make sure that you’re completely covered.

You can ensure that you’re getting the right amount of coverage for the right price by requesting rate quotes from multiple insurers. Each company uses different guidelines when deciding which rate to give you. You’ll need to compare the coverage and supplementary features each one offers to make an informed, wallet-friendly decision.

Cheapest Car Insurance in Hawaii

Yearly Rate

  • $1,196
    Allstate
  • $1,051
    USAA
  • $1,050
    State Farm
  • $1,568
    Liberty Mutual
  • $703
    GEICO

These companies offer the cheapest rates for car insurance, providing good options for budget-conscious drivers. Although there are advantages to lower monthly premiums, you may have to accept some downgrades.

This is most often things like less available customer service and slower processing of claims. However, if affordability is your number one concern, these inexpensive insurers can be a solid choice.

Where is car insurance most affordable?

Your exact car insurance premium depends on several factors, including where in Hawaii you live.

For instance, people in Hilo pay slightly above the state average, while drivers in Pearl City pay a bit lower.

Make sure that you get several quotes, so that you can measure them against one another and find the best choice for your circumstances.

Hilo Auto Insurance

Population: 43,263
Hilo
$1,197
Hawaii
$1,114

With a population of over 43,000, Hawaii’s 3rd largest city has car premiums that are slightly more expensive than the state average. Cars are the primary way of getting around, so you need reliable car insurance. Although the city doesn’t experience as much volcanic activity as other areas of the state, it does have its fair share of earthquakes, making good coverage even more imperative. Your driving record and age will also factor into the rate you’ll receive.

Honolulu Auto Insurance

Population: 371,657
Honolulu
$1,105
Hawaii
$1,114

Honolulu, Hawaii’s largest city and state capital, is home to over 370,000 people. The city experiences both volcanic activity and earthquakes, but the auto insurance rates here are about equal to the average for the state. You also have to factor in your driving history and age, as these can place your rate higher or lower.

Kailua Auto Insurance

Population: 38,635
Kailua
$1,150
Hawaii
$1,114

With a population of 38,635, drivers in this city enjoy rates that are slightly above the state average. The city is home to Lanikai Beach, one of the top-rated beaches in the world, so tourists are common. You may want to purchase extra coverage to insure against accidents caused by people who are unfamiliar with driving in your city.

Pearl City Auto Insurance

Population: 47,698
Pearl City
$1,104
Hawaii
$1,114

Pearl City is the 2nd largest city on O’ahu with 47,698 residents and has average insurance premiums slightly below the state median. This is because the city has lower volcano and earthquake risks than the rest of the state, as well as fewer drivers on the road.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.