Cheapest Car Insurance in Hawaii for Good Drivers
GEICO has the cheapest car insurance for most good drivers in Hawaii. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional
discounts from their insurance company.
Cheapest Car Insurance in Hawaii for Full Coverage
Full coverage refers to a policy that goes beyond the
minimum state requirements. Because full coverage protects you in more situations, it costs more than minimum coverage.
Learn more about the cheapest
full coverage car insurance in Hawaii.
Cheapest Car Insurance in Hawaii After a Ticket
After a
speeding ticket, most drivers will see their insurance rates go up for 3-5 years. It’s important to keep in mind that each insurance company calculates rates differently, so you should always get multiple quotes in order to make sure that you get the best deal.
Cheapest Car Insurance in Hawaii for Drivers with One At-Fault Accident
One
at-fault accident will usually affect your insurance negatively for 3-5 years as insurers will consider you
high-risk. Because of your higher rates, it is even more important to comparison shop.
Cheapest Car Insurance in Hawaii for Young Drivers
Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates than more mature drivers. On average, most drivers will see their rates drop as they get older with a considerable decrease once they turn 25 years old.
Cheapest Car Insurance in Hawaii for Older Drivers
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Cheapest Car Insurance in Hawaii for Drivers with a DUI
Drivers who have a DUI on their record typically experience much higher rates than drivers with a clean driving record or people with a history of less severe violations. A DUI usually affects your insurance rates for 3-10 years, but the violation itself may stay on your driving record for much longer than that.
To identify the cheapest post-DUI insurance companies, WalletHub compared rates for a 45-year-old, single man, with minimum coverage, one DUI, and good credit across major insurers.
Cheapest Car Insurance in Hawaii for Married Drivers
Married drivers typically enjoy cheaper car insurance rates than drivers who are single. However, Hawaii has banned auto insurance companies from using a driver’s marital status as a factor when determining car insurance rates, so married drivers in Hawaii will not see cheaper rates than single drivers.
Cheapest Cities for Car Insurance in Hawaii
| City |
Premium |
Increase vs. Cheapest City |
| Lihue |
$540 |
0.0% |
| Kapaa |
$540 |
0.0% |
| Lahaina |
$648 |
20.0% |
| Kula |
$648 |
20.0% |
| Kihei |
$648 |
20.0% |
| Wailuku |
$648 |
20.0% |
| Kahului |
$648 |
20.0% |
| Haiku-Pauwela |
$648 |
20.0% |
| Pukalani |
$648 |
20.0% |
| Mililani Town |
$680 |
25.9% |
| Pupukea |
$680 |
25.9% |
| Waimalu |
$680 |
25.9% |
| Wahiawa |
$680 |
25.9% |
| Pearl City |
$680 |
25.9% |
| Waialua |
$680 |
25.9% |
| Kapolei |
$680 |
25.9% |
| Kaneohe |
$680 |
25.9% |
| Waianae |
$680 |
25.9% |
| Kailua |
$682 |
26.3% |
| Fern Acres |
$683 |
26.5% |
| Waikoloa Village |
$683 |
26.5% |
| Pahoa |
$683 |
26.5% |
| Hilo |
$683 |
26.5% |
| Hawaiian Paradise Park |
$683 |
26.5% |
| Waimea |
$683 |
26.5% |
| Waimanalo |
$685 |
26.9% |
| Honolulu |
$685 |
26.9% |
| Ewa Gentry |
$688 |
27.4% |
| Waipahu |
$688 |
27.4% |
The table above reflects the average annual cost of car insurance in Hawaii’s largest cities and towns.
Factors That Affect Car Insurance Premiums in Hawaii
Recap: Cheapest Auto Insurance Companies in Hawaii
One of the cheapest car insurance company in Hawaii is
State Farm, which charges an average of
$37 per month for state-minimum coverage. In addition to being the cheapest auto insurer for Hawaiians overall, it is the cheapest option for a number of specific categories, such as full coverage and insurance for good drivers.
For your convenience, we’ve summarized the cheapest companies overall below.
Cheapest Car Insurance in Hawaii
7 Tips for How to Get Cheap Car Insurance in Hawaii
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Hawaii, regional insurers like
Island Insurance Companies and
First of Hawaii might have lower rates than national companies like State Farm, USAA, and Progressive, along with comparable customer satisfaction ratings.
2. Know the factors affecting insurance in Hawaii
Everyone knows that your driving habits and
claims history affect how much you pay for car insurance. But in Hawaii, companies can also consider your zip code and insurance history when setting premiums. The car you drive, your annual mileage, and even some
factors beyond your control all impact the price of insurance.
3. Choose coverage that is right for you
You need
liability insurance to pay for the other driver’s expenses if you’re at fault in an accident in Hawaii. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car, and going with a higher deductible or lower coverage limits costs less, too. Don’t skimp on the coverage you need. But make informed choices so you don’t pay more than you have to.
4. Search for discounts
Top car insurance companies in Hawaii have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
discount if you’re a student, veteran, good driver, homeowner, willing to go paperless, and more.
5. Try usage-based insurance
Hawaiian drivers average fewer annual miles than most other states in the country, thanks to the islands’ small land mass and Hawaii’s environment-friendly culture. This means a lot of people in Hawaii could potentially save by trying
usage-based insurance, which adjusts your premium based on your actual driving habits, like average mileage, hard braking, distracted driving, and more.
6. Bundle policies to save
If you own a boat or motorcycle, find an insurance company that will insure them in addition to your regular vehicle. Bundling multiple policies with the same company can earn drivers a discount of up to 25% from many major insurers.
7. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
if you don’t own a car. Drivers in Hawaii who don’t maintain continuous car insurance coverage pay an average of 26% more than those with five or more years of uninterrupted insurance history.
Video: Cheap Auto Insurance in Hawaii
Methodology for Selecting the Cheapest Auto Insurance in HI
WalletHub’s analysis of cheap car insurance companies in Hawaii is based on data from the Hawaii DMV and Quadrant Information Services. Together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Hawaii drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Hawaii car insurance companies by averaging premiums from 31 zip codes that represent at least 20% of Hawaii's population. Military-specific companies like USAA were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category |
All Profile Characteristics |
Good Driver Profile |
| Gender |
Male, Female |
Male |
| Age |
16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 |
45 |
| Marital Status |
Single, Married |
Single |
| Teenage Driver Included on Policy |
No, Yes |
No |
| Driving Record |
Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident |
Clean |
| Miles Driven Per Year |
7,500 Miles, 15,000 Miles, 20,000 Miles |
15,000 Miles |
| Coverage Level |
Minimum, Standard, Full |
Minimum |
| Discounts |
None, Multi-Policy, Homeowner, Student |
None |
| Credit Level |
Poor, Good |
Good |
| Filings |
None, SR22, FR44 |
None |
| Car |
Sedan, Minivan, SUV, Coupe, Truck |
Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $20,000 in bodily injury liability per person, $40,000 in bodily injury liability per accident, $10,000 in property damage liability and $10,000 in personal injury protection, as required by Hawaii's minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage and $10,000 of personal injury protection.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible and $10,000 of personal injury protection.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Hawaii insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
