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 strong picks for Hawaii drivers based on our latest 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 |
*Recent statewide averages are synthesized from multiple 2024–2025 rate studies (Bankrate, NerdWallet, The Zebra, ValuePenguin); individual quotes will vary.
**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:
*Recent statewide averages are synthesized from multiple 2024–2025 rate studies (Bankrate, NerdWallet, The Zebra, ValuePenguin); individual quotes will vary.
**J.D. Power 2025 U.S. Auto Insurance Study and 2025 Auto Claims Satisfaction Study
The Average Cost of Car Insurance in Hawaii
The typical annual cost of car insurance in Hawaii clusters around $300–$600 for minimum coverage and roughly $1,200–$1,500 for full coverage based on 2024–2025 statewide studies from major sources. Prices rose sharply through 2024 and have remained elevated into 2025, so your quotes may land toward the high end of these ranges. Because auto insurance is individualized by driver, vehicle, ZIP code, and coverage choices, your rate may differ. Still, knowing these Hawaii benchmarks can help you identify affordable policies.
Top 3 Cheapest Car Insurance Companies in Hawaii
| Company | Average Annual Premium |
| USAA | Often near the low end of Hawaii’s minimum-coverage range ($300–$600) |
| Geico | Typically within $300–$600 (minimum coverage), depending on profile |
| State Farm | Typically within $300–$600 (minimum coverage), depending on profile |
* Benchmarks reflect 2024–2025 statewide studies; figures reference the state’s minimum required coverage and vary by driver profile.
Top 2 Most Expensive Car Insurance Companies in Hawaii
| Company | Average Annual Premium |
| Island | Often at the higher end of the state’s minimum-coverage range; some profiles may exceed $600 |
| Allstate | Often at the higher end of the state’s minimum-coverage range; some profiles may exceed $600 |
* Benchmarks reflect 2024–2025 statewide studies; figures reference the state’s minimum required coverage and vary by driver profile.
Top 3 Cheapest Cities for Car Insurance in Hawaii
| City | Average Annual Premium* |
| Hilo | Often near the low end of Hawaii’s minimum-coverage range |
| Kahului | Often near the low end of Hawaii’s minimum-coverage range |
| Kaneohe | Often near the low end of Hawaii’s minimum-coverage range |
* City rankings synthesized from multiple 2024–2025 studies; exact dollar amounts vary by source, driver profile, and coverage.
Top 3 Most Expensive Cities for Car Insurance in Hawaii
| City | Average Annual Premium* |
| Honolulu | Often above the statewide minimum-coverage average |
| Waipahu | Often above the statewide minimum-coverage average |
| Kapolei | Often above the statewide minimum-coverage average |
* City rankings synthesized from multiple 2024–2025 studies; exact dollar amounts vary by source, driver profile, and coverage.
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. Typical cost through an insurer is about $20–$60 per year; dealer-sold GAP is often a one-time $400–$700.
- 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, and often costs about $10–$75 per year when added to your policy.
- Rideshare: Rideshare drivers may require additional coverage to protect them during app-on periods before a ride is accepted; endorsements typically cost about $10–$30 per month with many insurers.
- 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 is a no-fault state that requires bodily injury and property damage liability plus at least $10,000 in personal injury protection (PIP). Insurers must offer uninsured/underinsured motorist (UM/UIM) coverage, which you may reject in writing.
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. Drivers must also maintain at least $10,000 in PIP and carry proof of insurance to register and operate a vehicle; UM/UIM must be offered and can be declined in writing.
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. You may pursue noneconomic damages against an at-fault driver only if medical expenses exceed $5,000, there is a qualifying serious permanent injury or disfigurement, or death.
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 synthesized 2024–2025 statewide averages for car insurance in Hawaii from leading industry studies (e.g., Bankrate, NerdWallet, The Zebra, ValuePenguin), which commonly model a good driver around age 35–40 with standard full-coverage limits. 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.
