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Best Hawaii Car Insurance Companies

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    The Best Car Insurance Companies in Hawaii

    While Hawaii drivers may not have the same variety of choices when it comes to auto insurance, they have relatively affordable rates. When compiling the best car insurance in Hawaii, we considered factors such as price, customer satisfaction, coverage options, discounts and financial strength. The best car insurance companies in Hawaii — Geico, USAA, State Farm and Allstate — offer consistently affordable rates and top-notch customer service.

    The 4 Best Auto Insurance Companies in Hawaii

    • Geico: Best for low prices
    • USAA: Best for military families
    • 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* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. 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 $349.04 $1,304.76 4.6/5 A++ 843/1,000
    Pin USAA $333.39 $1,160.88 4.4/5A++ 891/1,000
    Pin State Farm $461.05 $1,413.61 4.6/5A++ 838/1,000
    Pin Allstate $711.44 $2,061.59 4.2/5A++ 825/1,000

    Information accurate as of 11/13/2020 *Data provided by Coverage.com

    Geico

    Best for Low Prices

    Why we chose it

    Geico offers the lowest car insurance prices in Hawaii for the general public, paired with exceptional customer satisfaction.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $349.04* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 843/1,000 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico offers the lowest car insurance prices in Hawaii for the general public, paired with exceptional customer satisfaction.

    Pros

    • Low annual premiums
    • Valuable digital tools
    • Variety of discounts

    Cons

    • No gap coverage
    • Can be expensive for poor driving records or bad credit
    Read More

    Types of Coverage Offered

    • Liability
    • Medical payments
    • Uninsured & underinsured motorist
    • Collision
    • Comprehensive
    • Roadside assistance
    • Rental reimbursement
    • Mechanical breakdown

    Discounts Available

    • Vehicle equipment features
    • New vehicle
    • Good driver
    • Seat belt use
    • Defensive driving
    • Driver’s education course
    • Good student
    • Emergency deployment
    • Membership & employee
    • Military
    • Multi-vehicle
    • Multi-policy

    * Data provided by Coverage.com, price based on the state minimum required policy. **J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated a national average with all the scores available.

    Further Reading on Geico:

    USAA

    Best for Military Families

    Why we chose it

    USAA offers military families top-rated auto insurance at affordable rates.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $333.39* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 891** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers military families top-rated auto insurance at affordable rates.

    Pros

    • Exceptional customer care
    • All-in-one service
    • Excellent online support community

    Cons

    • Available only to military families
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Personal injury protection
    • Extended benefits
    • Uninsured & underinsured motorist
    • Roadside assistance
    • Rental reimbursement
    • Accident forgiveness

    Discounts Available

    • Safe driver
    • Defensive driving
    • Driver training
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • Full pay

    * Data provided by Coverage.com, price based on the state minimum required policy. **J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated a national average with all the scores available.

    Further Reading on USAA:

    State Farm

    Best for Coverage Options

    Why we chose it

    State Farm offers its customers unique coverage options without sacrificing low rates or top-notch customer service.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $461.05* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 838** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm offers its customers unique coverage options without sacrificing low rates or top-notch customer service.

    Pros

    • Many coverage options
    • Above-average claims satisfaction

    Cons

    • No accident forgiveness
    • Fewer discounts than average
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Rental and travel expense
    • Uninsured & underinsured motorist
    • Medical payments
    • Roadside assistance
    • Rideshare driver

    Discounts Available

    • Drivewise
    • Steer Clear
    • Accident-free
    • Defensive driving
    • Student discounts
    • Driver training
    • Good driving
    • Vehicle safety features
    • Multi-car
    • Multiple-policy

    * Data provided by Coverage.com, price based on the state minimum required policy. **J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated a national average with all the scores available.

    Further Reading on State Farm:

    Allstate

    Best for Online Resources

    Why we chose it

    Allstate offers an impressive array of online tools, including a library of educational resources and a robust digital app.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $711.44* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 825** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate offers an impressive array of online tools, including a library of educational resources and a robust digital app.

    Pros

    • Many digital resources
    • Lots of discounts
    • Simplified claims process

    Cons

    • High annual premiums
    • Below-average customer satisfaction
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Medical payments
    • Uninsured & underinsured motorist
    • Sound system
    • Roadside assistance
    • Personal injury protection
    • Personal umbrella
    • Rental reimbursement

    Discounts Available

    • Vehicle safety
    • Multi-policy
    • Early signing
    • Responsible payer
    • Smart student
    • New car
    • Auto-pay
    • Paperless billing
    • Full pay
    • Safe driving

    * Data provided by Coverage.com, price based on the state minimum required policy. **J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated a national average with all the scores available.

    Further Reading on Allstate:

    The average cost of car insurance in Hawaii

    Hawaii drivers enjoy relatively low car insurance rates. Average costs range from $354 for the state’s minimum liability coverage to $1,234 for full coverage. Although, of the companies we compared, average premiums started at $349 for minimum liability and $1,161 for full coverage. 

    An individual’s car insurance premiums can vary depending on a handful of factors. First, rates can be very different from one company to the next. Your personal factors will also influence your rates, including your location, age, driving history, credit score and more.

    Top 3 Cheapest Car Insurance Companies in  Hawaii

    CompanyAverage Annual Premium
    USAA$333.39
    Geico$349.04
    State Farm$461.05

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 2 Most Expensive Car Insurance Companies in Hawaii

    CompanyAverage Annual Premium
    Tradewind $1,182.55
    Allstate$711.44

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Hawaii

    CityAverage Annual Premium*
    Kapaa$379.78
    Lihue$379.78
    Haiku-Pauwela$482.89

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Hawaii

    CityAverage Annual Premium*
    Waipahu $522.93
    Ewa Gentry$522.93
    Honolulu $519.04

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Car Insurance Add-Ons That Will 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 of an accident.
    • Roadside assistance: Your insurance company’s roadside assistance can 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. 

    Minimum liability required in the state of Hawaii is divided as follows:

    • $20,000 per accident bodily injury for one person
    • $40,000 per accident bodily injury for two or more people
    • $10,000 per accident property damage

    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. The minimum personal injury protection required in Hawaii is $10,000.

    Hawaii Car Insurance FAQ

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Hawaii, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Hawaii, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

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