Cheapest Car Insurance In Hawaii For 2024
USAA is known for its great rates and reliable service, making it a top choice for car insurance. With my ten years of experience, I’ve looked closely at different insurance companies to help you understand your options better.
We’ve saved shoppers an average of $600 per year on their car insurance.
My goal is to give you the information you need to make smart decisions about your insurance, keeping your money and peace of mind in mind.
In this comprehensive guide, we’ll delve into the ins and outs of finding the most affordable car insurance options available in the Aloha State. From understanding the state’s minimum coverage requirements to uncovering valuable discounts and comparing rates, we’ll provide you with all the information you need to secure the best deal on car insurance.
Cheapest Car Insurance Companies In Hawaii, 2024
Cheapest Car Insurance In Hawaii For Minimum Coverage: USAA
USAA has the cheapest rates for minimum coverage car insurance in Hawaii, offering average monthly rates at $22.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $22 | $268 |
| Geico | $26 | $314 |
| Allstate | $38 | $461 |
| State Farm | $50 | $605 |
Cheapest Car Insurance In Hawaii For Full Coverage: USAA
USAA has the cheapest rates for full coverage car insurance in Hawaii, offering average monthly rates at $99.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $99 | $1,184 |
| Allstate | $124 | $1,485 |
| Geico | $128 | $1,531 |
| State Farm | $188 | $2,253 |
Cheapest Car Insurance In Hawaii For Drivers With Poor Credit: GEICO
GEICO has the cheapest rates for drivers with poor credit in Hawaii, offering average monthly rates at $113.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $113 | $1,359 |
| Progressive | $156 | $1,874 |
| Island Insurance | $157 | $1,889 |
| State Farm | $165 | $1,980 |
| Allstate | $199 | $2,389 |
Cheapest Car Insurance In Hawaii For Seniors: GEICO
GEICO has the cheapest rates for seniors in Hawaii, offering average monthly rates at $50.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $50 | $601 |
| Farmers | $55 | $663 |
| State Farm | $66 | $795 |
| Island Insurance Group | $73 | $871 |
| Allstate | $81 | $970 |
| Progressive | $91 | $1,095 |
Cheapest Car Insurance In Hawaii For Young Drivers
In Hawaii, young adults usually pay less for car insurance than teenagers. This is because as they get older, their driving habits improve, and they take fewer risks. Stats show young adults make fewer claims, so insurance companies lower their rates to reflect this.
Cheapest Hawaii Car Insurance For 16-Year-Olds: State Farm
State Farm has the cheapest rates for 16-year-olds, with an average monthly premium of $59.
| Provider | Average Annual Cost | Average Monthly Cost |
| State Farm | $59 | $709 |
| GEICO | $61 | $735 |
| 21st Century | $75 | $900 |
| Allstate | $123 | $1,478 |
| Progressive | $200 | $2,403 |
Cheapest Hawaii Car Insurance For 17-Year-Olds: GEICO
GEICO has the cheapest rates for 17-year-olds, with an average premium of $89.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $89 | $1,068 |
| Island Insurance | $110 | $1,320 |
| State Farm | $163 | $1,956 |
| Progressive | $167 | $2,004 |
| Farmers | $169 | $2,028 |
Cheapest Hawaii Car Insurance For 18-Year-Olds: USAA
USAA has the cheapest rates for 18-year-olds, with an average monthly premium of $93.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $93 | $1,116 |
| GEICO | $93 | $1,116 |
| Island Insurance | $110 | $1,320 |
| State Farm | $163 | $1,392 |
| Farmers | $169 | $2,028 |
Cheapest Hawaii Car Insurance For 21-Year-Olds: USAA
USAA has the cheapest rates for 21-year-olds, with an average monthly premium of $83.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $83 | $1,006 |
| GEICO | $113 | $1,359 |
| Progressive | $156 | $1,874 |
| Island Insurance | $157 | $1,889 |
| State Farm | $165 | $1,980 |
Cheapest Car Insurance In Hawaii For Good Drivers
USAA provide good drivers in Hawaii the cheapest car insurance, with average monthly rates of $84.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $84 | $1,006 |
| Allstate | $117 | $1,404 |
| GEICO | $118 | $1,419 |
| Island Insurance | $129 | $1,553 |
| Progressive | $133 | $1,597 |
Cheapest Car Insurance In Hawaii For Drivers With Prior Incidents
Drivers in Hawaii with a record of past incidents, like accidents, speeding tickets, or DUIs, often face difficulties finding affordable car insurance. Insurance companies consider them high-risk because they’re more likely to make future claims.
This is especially the case in Hawaii, where traffic incidents are more common. Insurers raise premiums for these drivers to balance the increased risk of paying out claims. This pricing approach is based on statistical data and risk evaluation models, which show that past driving incidents are linked to higher chances of future claims.
Cheapest Car Insurance In Hawaii For Drivers With A Speeding Ticket: GEICO
GEICO has average premiums of $71, making it the cheapest option for drivers with a speeding ticket.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
| GEICO | $71 | $851 |
| USAA | $89 | $1,064 |
| State Farm | $91 | $1,087 |
| Island Insurance | $133 | $1,592 |
| Farmers | $148 | $1,776 |
Cheapest Car Insurance In Hawaii For Drivers With An At-Fault Accident: State Farm
State Farm has average premiums of $99, making it the cheapest option for drivers with an at-fault accident.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
| State Farm | $99 | $1,182 |
| GEICO | $104 | $1,243 |
| USAA | $104 | $1,247 |
| Island Insurance | $163 | $1,957 |
| Progressive | $179 | $2,147 |
Cheapest Car Insurance In Hawaii For Drivers After A DUI: State Farm
State Farm has average premiums of $91, making it the cheapest option for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $91 | $1,087 |
| USAA | $171 | $2,049 |
| Progressive | $200 | $2,402 |
| Farmers | $212 | $2,545 |
| Allstate | $327 | $3,927 |
Average Cost Of Car Insurance In Hawaii – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $143 | $1,724 |
| 17 | $153 | $1,840 |
| 18 | $154 | $1,852 |
| 19 | $150 | $1,800 |
| 21 | $149 | $1,797 |
| 25 | $147 | $1,765 |
| 35 | $137 | $1,652 |
| 45 | $133 | $1,600 |
| 55 | $133 | $1,600 |
| 65 | $137 | $1,652 |
| 75 | $137 | $1,652 |
Average Cost Of Auto Insurance In Hawaii – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,250 |
| Male | Single | $1,350 |
| Female | Married | $1,100 |
| Male | Married | $1,150 |
Average Cost In Hawaii – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $170 | $1,655 |
| Good | $200 | $1,655 |
| Fair | $230 | $1,656 |
| Poor | $265 | $1,655 |
Cheapest Car Insurance In Hawaii By City
| City | Average Monthly Cost | Average Annual Cost |
| Kapaa | $171 | $2,052 |
| Lihue | $171 | $2,052 |
| Waimea | $191 | $2,295 |
| Honolulu | $193 | $2,312 |
| MCBH Kaneohe Bay | $193 | $2,312 |
| Schofield Barracks | $193 | $2,312 |
Car Insurance Discounts In Hawaii
When looking for car insurance, it’s smart to check out companies offering discounts that suit your needs. Also, talking to your insurance agent can uncover discounts you might not be aware of.
Here’s more about the typical discounts offered by leading car insurance providers:
- Good Driver Discount: Insurance companies offer discounts to drivers with a clean driving record, meaning no accidents or traffic violations. This discount reflects lower risk and can result in significant savings on premiums.
- Multi-Vehicle Discount: If you insure more than one vehicle with the same insurance provider, you may qualify for a multi-vehicle discount.
- Safety Features Discount: Vehicles equipped with safety features such as anti-lock brakes, airbags, and anti-theft devices are eligible for discounts.
- Defensive Driving Course Discount: Completing a defensive driving course demonstrates a commitment to safe driving practices. Many insurance companies offer discounts to drivers who voluntarily undertake such courses, as they are likely to be safer on the road.
- Low Mileage Discount: Drivers who don’t use their vehicles frequently may qualify for a low mileage discount. By driving less, these individuals pose a lower risk of accidents, leading to potential savings on their premiums.
Our Methodology
Based on a thorough analysis covering customer service, product options, pricing, and online reviews, I've gained deep insights into Hawaii’s car insurance scenario. Drawing from 15 years of experience as a licensed insurance agent in the state, I've interacted with various insurance representatives and gained firsthand experience in purchasing car insurance in Hawaii.
Quotes Assessed
Research Hours
Years Of Industry Experience
Brands Reviewed
FAQs
How much is car insurance a month in Hawaii ?
The average cost of car insurance per month in Hawaii varies depending on factors such as age, driving history, and coverage level. On average, it ranges from $100 to $300 per month.
What is the minimum car insurance one must have in Hawaii ?
The minimum car insurance required in Hawaii includes:
- $10,000 per person for bodily injury liability
- $20,000 per accident for bodily injury liability
- $10,000 per accident for property damage liability
Which insurance is better in Hawaii ?
The choice between insurance providers in Hawaii depends on individual needs and preferences. It’s advisable to compare quotes from different insurers to find the best coverage and rates tailored to your specific circumstances.
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