The Cheapest Auto Insurance in Hawaii in 2023

Hawaii drivers pay an average monthly rate of $84 for car insurance. The state consistently ranks as one of the cheapest states to buy auto insurance, thanks in part to its “no-fault” status and low rate of fatal car accidents.

Several different factors determine how much you pay for car insurance, including your age, driving history, and the type of policy you need. But, unlike other states, Hawaii doesn’t let insurance companies use your credit score to determine your premiums.

We’ll show you how each factor affects your monthly rates in this guide. You’ll also find helpful information about how much car insurance is required in Hawaii, the penalties for driving without insurance, how to save on your monthly bill, and other important tidbits about auto insurance in the Aloha State.

Key Takeaways:

• Hawaii drivers pay an average of $84 per month for auto insurance — well below the national average.
• GEICO is the cheapest option for liability-only insurance in Hawaii, and State Farm is the most affordable for a full-coverage policy.
• Every Hawaii driver is required to have liability insurance and personal injury protection to legally drive in the state.

Hawaii’s Cheapest Car Insurance Companies

Even though Hawaii drivers can expect to pay around $84 per month, you can still find additional ways to save on car insurance. Shopping around and comparing rates from several different companies is the best way to ensure you find the most affordable insurance.

The companies featured in the table below have the most competitive rates in Hawaii, according to Compare.com data.

Four of these companies offer average monthly rates that fall below the state average, with GEICO coming out as the cheapest, at $53 per month.

But state averages aren’t usually the best way to gauge what you can expect to pay for car insurance. Your rates can vary substantially depending on several factors — such as your age, driving history, and specific policy needs.

We’ll take a look at the cheapest companies for each a little later.

The Average Cost of Hawaii Car Insurance

The average monthly cost for car insurance in Hawaii is $84, making it one of the cheapest states to purchase auto insurance.

Let’s take a look at how it compares to other Pacific Coast states as well as the national average across all states.

The only other West Coast state with lower insurance costs is Alaska, with an average monthly rate of $83 — just $11 cheaper than Hawaii.

That could be for a few different reasons. For example, Hawaii is home to some of the safest drivers in the country, and 86% of licensed drivers have a clean record, according to data obtained by Insurify.

Hawaii also has one of the lowest fatal crash rates in the country for both cars and SUVs, according to the Insurance Institute for Highway Safety (IIHS). This could be due to the fact that 94% of Hawaii residents observe seat-belt laws.

Your driving record plays a big role in your car insurance rates, but it isn’t the only factor insurance companies consider. The type of insurance you purchase and your age can also affect your insurance rates.

Cheapest Car Insurance Rates for State-Minimum Insurance: GEICO

The amount of coverage you purchase affects the rates you receive, so many people choose liability-only insurance to save money. Liability insurance at the state-minimum limits is the cheapest policy available.

Liability insurance covers you if you cause a car accident. This coverage will pay to repair or replace the other vehicle and cover any injuries to the other driver and their passengers. But you’ll be responsible for paying for your own repairs and medical bills.

Let’s take a look at which companies offer the cheapest average state-minimum liability rates in Hawaii.

The five cheapest insurers for state-minimum insurance in Hawaii all offer relatively similar low rates, but GEICO leads the pack, at just $33 per month.

This tight difference between companies illustrates why it’s even more important to get multiple quotes and consider benefits beyond price alone.

Cheapest Car Insurance Rates for Full-Coverage Insurance: State Farm

State-minimum insurance may be the cheapest, but it won’t be enough coverage for most people due to increasing medical and vehicle repair expenses or lender requirements. For many drivers, full coverage is a better option.

Full-coverage insurance includes liability, comprehensive, and collision coverage. It’ll pay for any injuries and damages you and the other driver sustain in an accident.

Let’s take a look at the cheapest full-coverage insurers in Hawaii.

State Farm is the cheapest option for full-coverage car insurance in Hawaii, at $71 per month. GEICO comes in at a close second, with an average rate of $73 per month.

However, you’ll notice the remaining three companies all have average monthly rates that exceed $100.

While every insurer considers similar factors, each company weighs these factors differently. That’s another example of why it’s important to compare your options to find the best deal.

Compare Hawaii Auto Insurance Rates by Age

Age is one of the biggest factors insurance companies look at, and, the younger you are, the more you can expect to pay for auto insurance. Fortunately, you can expect these rates to steadily decline as you get older.

Let’s take a look at which companies are cheapest for some of the most common age groups.

Cheapest car insurance for Hawaii teens: GEICO

Teenagers are by far the most expensive drivers to insure. Since they have less driving experience, teen drivers are at higher risk of getting in an accident or receiving a traffic violation.

“Teens pay the highest average car insurance premiums of any age group because they have a higher incidence of accident frequency and severity than all other drivers,” says Mark Friedlander, director of communications at the Insurance Information Institute (Triple-I). He explains that this is largely due to their lack of experience behind the wheel and high frequency of distracted driving.

Drivers between the ages of 16 and 19 have a fatal crash rate that’s three times as high as drivers over the age of 20, though the risk is the highest between the ages of 16 and 17, according to the IIHS. Auto insurance rates usually begin to drop once a driver reaches 25 and has built up a positive driving record.

All that being said, teen drivers can still find relatively affordable coverage — if they know where to look. With that in mind, let’s check out which companies have the best average rates for Hawaii teens.

GEICO and State Farm are the cheapest options for young drivers in Hawaii, and both companies offer relatively similar rates. GEICO is the cheapest option for liability-only policies, at just $33 per month, but State Farm has the best full-coverage rates, at $71 per month.

This affordability is likely due to the large number of discounts both companies offer, but, ultimately, the cheapest company for your teen will likely come down to their unique insurance profile.

Cheapest car insurance for Hawaii seniors: GEICO

As drivers approach retirement age, they can look forward to receiving the cheapest rates on auto insurance. Auto insurance tends to be cheaper for retirees since they spend less time driving and no longer have to commute to work. However, rates can begin to creep back up around age 70.

Seniors can lower their rates further by choosing a safe vehicle, adjusting their deductible, and taking an approved defensive driving course. Finding the right company also plays a big role.

With that in mind, let’s take a look at the five cheapest companies for Hawaii’s senior drivers.

GEICO and State Farm are the cheapest car insurance options for seniors in Hawaii. Seniors who spend very little time driving may be able to switch to a liability-only policy to save money.

Compare Hawaii Auto Insurance Rates by Driving Record

Your driving record is the most important factor affecting your car insurance rates. Drivers with a history of speeding tickets, at-fault accidents, and DUIs are riskier to insure, so they pay the highest rates.

The following sections outline what Hawaii drivers can expect to pay for insurance based on their driving history.

Cheapest car insurance for good drivers in Hawaii: GEICO

Drivers without any accidents or moving violations in the last three years receive the best rates on auto insurance.

The following table shows what drivers with no accidents or tickets can expect to pay for car insurance.

In Hawaii, good drivers will receive the lowest average rates with GEICO and State Farm.

But also keep an eye out for Island Insurance — a smaller, regional insurer that specializes in insuring Hawaii drivers. Its liability rates are just $3 more per month than State Farm.

Cheapest car insurance in Hawaii after a ticket: GEICO

Receiving even one speeding ticket can cause your rates to increase by 37%, according to Compare.com data.

The IIHS found that 29% of all fatal crashes involved speeding, which increases your likelihood of being involved in an accident since you have less time to respond or slow down. And when drivers do get in an accident as a result of speeding, these accidents are more likely to have fatal outcomes.

But that doesn’t mean you need to just accept higher rates after a speeding ticket. Some companies offer cheaper rates than others after a moving violation, so it’s important to compare quotes before your next policy renewal.

With that in mind, let’s take a look at which companies have the cheapest rates in Hawaii for drivers with a recent speeding ticket.

GEICO yet again comes out on top, with average rates of just $33 per month for drivers with a ticket on their record.

That’s more than 20% cheaper than the next closest company — State Farm — but that doesn’t mean it’s the cheapest for every driver. Still, it’s a good place to start.

Cheapest car insurance in Hawaii after an accident: GEICO

You have to file a claim with your insurance company every time you get into an accident, and having an at-fault accident on your record can cause your rates to go up. We found that just one at-fault accident can cause your rates to rise by 44%.

“Common motor vehicle infractions such as speeding tickets and at-fault accidents will result in a surcharge being added to your premium for a minimum of three years,” Friedlander explains. “Purchasing accident forgiveness coverage could eliminate the surcharge for a first-time at-fault crash.”

But some companies will still have better rates for accident-prone drivers than others. Let’s take a look at which ones have the cheapest average rates in Hawaii.

Once again, GEICO comes out on top for liability-only coverage, but State Farm takes the crown when it comes to full-coverage policies.

Both companies have rates under $50 per month for liability, but State Farm’s full-coverage rates are more than 10% cheaper than the next-closest competitor.

Cheapest car insurance in Hawaii after a DUI: State Farm

Receiving just one DUI conviction can cause your car insurance rates to rise up to 94%, according to Compare.com data. And, in Hawaii, a DUI conviction can also result in mandatory community service, fines, loss of license, or even jail time.

How much your insurance goes up will depend on the severity of your conviction and how many DUIs you’ve received and your current insurer. Let’s take a look at the companies with the cheapest average rates for Hawaii drivers with a recent DUI conviction.

State Farm is the most affordable option this time, with rates as low as $42 per month for drivers with a DUI. But it’s full-coverage rates where State Farm really shines — its $78 average monthly rates are more than 40% cheaper than the next-closest company.

5 Ways to Get Cheap Car Insurance in Hawaii

Regardless of your age, driving record, or other factors, there are plenty of ways to save on your auto insurance policy.

Here are five ways you can find cheaper car insurance in Hawaii:

• Drive a safe vehicle: Most insurance companies offer lower rates to drivers who insure cars with certain safety features like anti-lock brakes or anti-theft systems.

• Take advantage of discounts: You can save money on car insurance by taking advantage of discounts offered by your insurer. For example, teens can receive discounts for maintaining a “B” average or for taking a driver’s education course with certain companies. And, if you spend very little time driving, you may qualify for a low-mileage discount, too.

• Increase your deductible: When you file a claim with your insurance company, you’ll pay an out-of-pocket deductible before your coverage kicks in. If you increase your deductible, you can expect to pay less in premiums. Just be sure you can afford the extra expense if you file a claim.

• Bundle your coverage: Most insurance companies will offer you a discount for purchasing multiple policies. That means you could save money by bundling your auto and homeowners insurance. If you have more than one vehicle to insure, you could receive a multi-policy discount, too.

• Shop around: The best way to save on insurance is by shopping around and comparing your options. You can use an insurance comparison site to compare offers from multiple companies at once, saving you both time and money in the process.

Hawaii Auto Insurance Requirements

Hawaii state law requires that all drivers meet the following minimum requirements:

• Bodily injury liability: $20,000 per person, $40,000 per accident
• Property damage liability: $10,000 per accident
• Personal injury protection (PIP): $10,000 per person

Penalties for driving without auto insurance in Hawaii

If you’re caught driving without the minimum insurance requirements in Hawaii, you’ll be ticketed and fined. The first offense will come with a $500 fine, and you’ll have to pay a minimum $1,500 fine for all proceeding offenses within a five-year period. In some cases, the court may order community service instead of a fine.

In addition to receiving a fine, you can have your driver’s license suspended for up to three months for the first offense. You could lose your license for up to a year for any subsequent offenses occurring within a five-year period.

SR-22 auto insurance in Hawaii

An SR-22 isn’t a type of insurance but provides proof of financial responsibility following a traffic conviction. For example, you’ll likely have to file an SR-22 form if you’re convicted of a DUI.

Not all insurance companies provide this form, so you’ll need to find an insurer that does.

Personal injury protection and no-fault insurance in Hawaii

Hawaii is considered a “no-fault” state, which means regardless of who caused the accident, each driver’s insurance company will cover their medical expenses and those of any passengers up to the PIP limits. You can’t sue or be sued after a car accident unless you have serious injuries.

Hawaii requires all drivers to carry at least $10,000 per person in PIP coverage.

Hawaii Auto Insurance FAQs

Car insurance can be confusing, so we have answers to some of the most commonly asked questions by Hawaii drivers.

What is the cheapest car insurance in Hawaii?

GEICO is the cheapest option for liability-only insurance in Hawaii, with an average monthly rate of $33. State Farm is the cheapest option for full coverage, with an average rate of $71 per month.

How much is car insurance per month in Hawaii?

Hawaii drivers can expect to pay an average monthly rate of $84 for car insurance, according to Compare.com data.

Is car insurance in Hawaii expensive?

No. Hawaii is consistently ranked as one of the cheapest states to buy car insurance. It falls as the ninth-cheapest state in the nation for car insurance, according to Compare.com data.

What is the minimum car insurance required in Hawaii?

Hawaii drivers are required to purchase the following minimum coverage:

• Personal injury protection: $10,000 per person
• Bodily injury liability: $20,000 per person, $40,000 per accident
• Property damage liability: $10,000 per accident

What happens if you get caught driving without insurance in Hawaii?

If you’re caught driving without insurance in Hawaii, you’ll get hit with hefty fines and could even lose your license. You’ll have to pay a $500 fine for your first offense and a minimum $1,500 fine for any subsequent offenses within a five-year period.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information. All the quotes listed in this article have been gathered from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide drivers with insight into how auto insurance companies determine their premiums.

Sources

1. Hawaii Insurance Division, “Motor Vehicle Insurance Information,” Accessed October 18, 2023.
2. Insurance Institute for Highway Safety, “State by State,” Accessed October 18, 2023.
3. Insurance Institute for Highway Safety, “Teenagers,” Accessed October 18, 2023.
4. Insurance Institute for Highway Safety, “Speed,” Accessed October 18, 2023.
5. Hawaii.gov, “Penalties,” Accessed October 18, 2023.
6. County Of Maui, Hawaii “Financial Responsibility Sections,” Accessed October 18, 2023.