Finding the best car insurance in Hawaii can help you save money on rates and ensure you get the coverage that you need. Still, what’s best for one driver isn’t always best for another. When looking for the best car insurance for you, it helps to shop around and compare numerous companies. Considering rates, customer satisfaction, coverage options, discounts, and financial strength, we’ve compiled a list of the best car insurance companies in Hawaii. Below are four of the best in Hawaii, based on our analysis.
The 4 Best Auto Insurance Companies in Hawaii
- Geico: Best for Low Prices
- USAA: Best for Military-Focused Coverage
- State Farm: Best for Coverage Options
- Allstate: Best for Online Resources
Compare the Best Car Insurance Companies in Hawaii
| Average Price for State Minimum* | Average Price for Full Coverage* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Geico | $319 | $1,081 | A++ | 881/1,000 | |
| Pin USAA** | $283 | $1,009 | A++ | 909/1,000 | |
| Pin State Farm | $372 | $1,069 | A++ | 892/1,000 | |
| Pin Allstate | $510 | $1,260 | A+ | 870/1,000 |
*Rates provided by Bankrate.com
**Not officially ranked by J.D. Power due to eligibility restrictions
Geico
Best for Low Prices
Why we chose it
Why we chose it
Pros
- Low average annual premiums
- Valuable digital tools
- Variety of discounts
Cons
- No gap coverage
- No hybrid/electric car discount
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Mechanical breakdown
- Personal injury protection
- Rental reimbursement
- Roadside assistance
- Uninsured & underinsured motorist
Discounts Available
- Emergency deployment
- Good driver
- Good student
- Membership & employee
- Military
- Multi-policy
- Multi-vehicle
- New vehicle
- Seat belt use
- Vehicle equipment features
Further Reading on Geico:
USAA
Best for Military-Focused Coverage
Why we chose it
Why we chose it
Pros
- All-in-one service
- Exceptional customer care ratings
- Excellent online support community
Cons
- Available only to military members, veterans, and qualifying family members
Types of Coverage Offered
- Accident forgiveness
- Collision
- Comprehensive
- Liability
- Personal injury protection
- Rental reimbursement
- Roadside assistance
- Uninsured & underinsured motorist
Discounts Available
- Bundled policies
- Good driver
- Good student
- New vehicle
- Anti-theft devices
- Multi-vehicle
- Annual mileage
- Vehicle storage
- Family discount
- Military installation
Further Reading on USAA:
State Farm
Best for Coverage Options
Why we chose it
Why we chose it
Pros
- Above-average claims satisfaction
- Expansive coverage options
Cons
- Fewer discounts than some
- No accident forgiveness for the first 9 years as a customer
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Medical payments
- Rental and travel expense
- Rideshare driver
- Roadside assistance
- Uninsured & underinsured motorist
Discounts Available
- Accident-free
- Drive Safe & Save
- Good driving
- Multi-car
- Multiple-policy
- Passive restraint discount
- Vehicle safety features
Further Reading on State Farm:
Allstate
Best for Online Resources
Why we chose it
Why we chose it
Pros
- Lots of discounts
- Many digital resources
- Simplified claims process
Cons
- Below-average customer satisfaction ratings
- High average annual premiums
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Medical payments
- Personal injury protection
- Personal umbrella
- Rental reimbursement
- Roadside assistance
- Sound system
- Uninsured & underinsured motorist
Discounts Available
- Anti-lock brake
- Anti-theft device
- Auto-pay
- Early signing
- Full pay
- Multi-policy
- New car
- Paperless billing
- Responsible payer
- Safe driving
- Smart student
Further Reading on Allstate:
*Data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Claims Satisfaction Study
The Average Cost of Car Insurance in Hawaii
The average annual cost of car insurance in Hawaii is $345 for minimum coverage and $1,127 for full coverage according to 2021 data provided by Bankrate.com. Because auto insurance is so individualized between drivers, policies, and insurers, these averages may not be what your rates look like. Your vehicle type, driving record, insurance history, and more can all impact your auto rates. Still, knowing the local averages can help you to identify affordable policies.
Top 3 Cheapest Car Insurance Companies in Hawaii
| Company | Average Annual Premium |
| USAA | $283 |
| Geico | $319 |
| State Farm | $372 |
* Data provided by Bankrate.com, price based on the minimum coverage required policy.
Top 2 Most Expensive Car Insurance Companies in Hawaii
| Company | Average Annual Premium |
| Island | $386 |
| Allstate | $510 |
* Data provided by Bankrate.com, price based on the minimum coverage required policy.
Top 3 Cheapest Cities for Car Insurance in Hawaii
| City | Average Annual Premium* |
| Kapaa | $265 |
| Lihue | $265 |
| Kalaheo | $265 |
* Data provided by Bankrate.com, price based on the minimum coverage required policy.
Top 3 Most Expensive Cities for Car Insurance in Hawaii
| City | Average Annual Premium* |
| Waipahu | $370 |
| Ewa Gentry | $370 |
| Ewa Beach | $370 |
* Data provided by Bankrate.com, price based on the minimum coverage required policy.
Car Insurance Add-Ons That May Further Protect You
- Gap insurance: This optional insurance covers the difference between the cash value of your vehicle and the amount you owe on your loan in the event you total your vehicle.
- Roadside assistance: Your insurance company’s roadside assistance may provide towing, flat tire, battery service, and more if you get stranded on the side of the road.
- Rideshare: Rideshare drivers may require additional coverage to protect them while they have passengers in the vehicle.
- Accident forgiveness: Car insurance rates typically increase after an accident. Optional accident forgiveness coverage ensures your rates will not increase after just one accident.
Guide to Hawaii Car Insurance
Like most states, Hawaii has unique car insurance laws that drivers should be aware of. Hawaii’s insurance laws include requirements for liability insurance and personal injury protection.
Hawaii Minimum Insurance Requirements
Hawaii requires that all drivers carry a minimum amount of both bodily injury and property damage liability insurance. Those who fail to carry insurance may be subject to fines or have to surrender their vehicle registration and license plates.
Hawaii minimum auto insurance requirements:
- $20,000 per accident bodily injury liability for one person
- $40,000 per accident bodily injury liability for two or more people
- $10,000 per accident property damage liability
- $10,000 per covered person per accident of personal injury protection
Hawaii’s No-Fault Law
Hawaii is a no-fault car insurance state, which means that in the event of an accident, each person is responsible for their own medical bills rather than the at-fault driver taking financial responsibility. As a result, Hawaii requires all drivers to carry personal injury protection, which will cover their medical bills and financial losses in an accident up to the policy limits. The minimum personal injury protection required in Hawaii is $10,000.
Hawaii Car Insurance FAQ
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in Georgia, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
About the Authors
Joshua Cox-Steib is a home security writer for Reviews.com. Over the last year, he has covered home security equipment, home internet providers, and more. He has been featured in bankrate.com, coverage.com, thesimpledollar.com, among others. He holds a bachelor’s degree in Sociology from the University of Tulsa. The Best Internet Providers in 2020 is Joshua’s favorite review on Reviews.com.
