Cheapest Liability Car Insurance In Hawaii 2026
Drivers looking for the lowest price on liability car insurance in Hawaii often choose USAA. This provider typically charges around $25 per month for a minimum coverage policy.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the lowest liability car insurance rate in Hawaii depends on your specific driving profile. USAA is the best choice for most drivers who want a basic policy. It usually offers the cheapest coverage for military members, teens, and young adults.
Seniors and drivers with a DUI also save the most with this company. However, GEICO is often better if you have a recent accident. You will likely find a lower price there if you have a crash on your record.
Key Takeaways
USAA has the lowest average cost for liability-only car insurance in Hawaii, at about $25 per month.
Hawaii’s required minimum liability coverage is commonly written as 40/80/20.
Liability car insurance pays for injuries and property damage you cause to others, not repairs to your own car.
Cheapest Liability-Only Car Insurance In Hawaii, 2026
Cheapest Liability Car Insurance In Hawaii: USAA
USAA typically provides the most affordable liability-only car insurance in Hawaii, with liability plans costing about $25 per month.
Since the cost of living in cities like Honolulu and Hilo is high, finding ways to save cash is important. A cheaper policy helps you meet state laws while keeping your finances in check.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $43 | $518 |
| USAA* | $25 | $298 |
| Farmers | $52 | $627 |
| GEICO | $26 | $312 |
| Island Insurance | $31 | $374 |
*Military Only
Cheapest Liability-Only Car Insurance In Hawaii For Teens: USAA
USAA typically offers the lowest rates for teen drivers in Hawaii, with monthly payments averaging close to $25.
Finding affordable insurance is crucial for young people because they often pay the highest prices. Companies view new drivers as high-risk, so they charge expensive premiums that can stress a family budget. A cheaper policy allows teens to drive legally without overspending.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $45 | $535 |
| Island Insurance | $31 | $368 |
| USAA* | $25 | $305 |
| State Farm | $58 | $695 |
| GEICO | $27 | $318 |
*Military Only
Cheapest Liability-Only Car Insurance In Hawaii For Young Adults: USAA
Young adults in Hawaii will likely find the lowest rates with USAA. A typical plan costs about $25 a month.
Saving money on insurance is essential for drivers who are working toward financial freedom. Many people in this group have to pay for rent and student loans, so cutting costs is a priority. A liability policy satisfies the law and gets you on the road for much less than full coverage.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $26 | $308 |
| USAA* | $25 | $294 |
| State Farm | $55 | $664 |
| Island Insurance | $40 | $482 |
| Allstate | $51 | $612 |
*Military Only
Cheapest Liability-Only Car Insurance In Hawaii For Seniors: USAA
USAA usually offers the best liability rates for seniors in Hawaii, with premiums around $24 a month.
Keeping insurance costs low is key for older drivers who want to protect their retirement savings. Many seniors live on a fixed income, so reducing these monthly bills helps secure their financial future.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $41 | $495 |
| Island Insurance | $30 | $365 |
| USAA* | $24 | $288 |
| Farmers | $51 | $610 |
| GEICO | $25 | $302 |
*Military Only
Find Affordable Car Insurance In Hawaii
Cheapest Liability Car Insurance In Hawaii For Military Members: USAA
USAA usually offers the lowest liability rates for military members in Hawaii. You can expect to pay roughly $22 per month.
Military families often face unique expenses related to deployments and frequent moves. Lowering recurring bills is a smart way to manage these costs. A basic policy allows you to drive legally in the state without the heavy expense of full coverage.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $37 | $438 |
| USAA* | $22 | $258 |
| GEICO | $23 | $274 |
| Farmers | $44 | $522 |
| Island Insurance | $30 | $355 |
*Military Only
Cheapest Liability Car Insurance In Hawaii After An Accident: GEICO
GEICO typically offers the lowest prices for Hawaii drivers who have an accident on their record. You can expect to pay an average of $133 per month.
Finding a cheap liability-only car insurance policy is crucial after a crash because at-fault accidents usually make rates jump. Choosing a budget-friendly carrier helps you keep your expenses under control while you recover financially.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $137 | $1,645 |
| GEICO | $133 | $1,595 |
| Island Insurance | $146 | $1,755 |
| Farmers | $198 | $2,380 |
| USAA* | $141 | $1,690 |
*Military Only
Cheapest Liability-Only Car Insurance In Hawaii After A DUI: USAA
USAA typically has the lowest liability rates for Hawaii drivers with a DUI. You might pay around $57 per month.
It is important to find a low rate because a conviction causes premiums to spike. Companies see you as high risk and charge much more. Shopping for a better deal helps reduce the strain on your wallet.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $65 | $782 |
| Progressive | $103 | $1,240 |
| USAA* | $57 | $685 |
| Farmers | $168 | $2,015 |
| State Farm | $79 | $948 |
*Military Only
How To Get Cheaper Liability-Only Insurance
Hawaii drivers can use a few easy tricks to cut their liability insurance costs. Start by getting quotes from multiple carriers. Each company calculates risk differently, so the price will vary from one brand to another. You can also ask an independent agent to check several providers at once to find the best deal.
Look for discounts to save even more cash. Most insurers offer price breaks for safe driving, bundling policies, or having good credit. You should also ask about low-mileage savings if you do not drive often. Raising your deductible is another smart move. You will pay more out of pocket for a claim, but your monthly bill will drop.
Check your coverage limits to make sure they fit your needs. Sticking to the Hawaii state minimums is the cheapest path, but make sure you still protect your assets. Finally, keep your record clean by avoiding tickets. If your premium is still high, try a defensive driving class. Many companies give a discount for finishing these safety courses. These steps will help you find a plan that fits your budget.
How Much Liability Coverage Does Hawaii Require?
Hawaii law says you must carry a set amount of liability insurance to drive legally. This coverage pays for injuries and property repairs for others if you cause an accident. The state mandates a policy level known as 40/80/20.
Here is how those limits work:
- $40,000 for bodily injury per person: This pays the medical costs for one person you hurt.
- $80,000 for bodily injury per accident: This is the most your insurer will pay for all injuries in a single crash.
- $20,000 for property damage: This covers repairs to someone else’s car or property.
- Personal injury protection (PIP): You also need at least $10,000 in coverage for your own medical bills.
You must keep these limits active to stay legal on the road. Just keep in mind that these minimums might not cover a major wreck. Many people buy higher limits to keep their savings safe from lawsuits.
Should You Get Liability-Only Insurance?
Deciding between full coverage and just liability depends on what your car is worth and what you can afford. Keep in mind that liability plans only pay for the harm you cause to other people. They will not cover the cost to fix your own car after a wreck. If you have an old car that is paid off, buying full coverage might be a waste of cash. This makes sense if the yearly cost is close to the price of the vehicle.
Think about how you drive in Hawaii every day. If you have a clean record, you might feel okay taking a risk to save money. But if you drive in busy traffic often, the chance of a crash is higher. You have to decide if a smaller monthly bill is worth the risk of paying for your own repairs later.
Check your savings account too. If you cannot afford to buy a new car right away, full coverage is a good safety net. But if you want to cut costs and can handle the risk, switching to liability is a smart choice. The goal is to find the best balance for your budget.
Find Affordable Car Insurance In Hawaii
Cheapest Car Insurance In Different Cities In Hawaii
| City | Average Monthly Cost | Average Annual Cost |
| Honolulu | $118 | $1,416 |
| Hilo | $105 | $1,260 |
| Kailua | $110 | $1,320 |
| Pearl City | $112 | $1,344 |
| Waipahu | $115 | $1,380 |
Compare The Cost Of Liability Car Insurance To Other States
The price of liability-only car insurance is not the same across the country. Rates change from state to state due to differences in insurance laws, climate, traffic levels, and overall driving risk. As an example, South Dakota has the lowest average monthly cost at around $29, while Michigan drivers pay the most, with rates close to $154 per month.
The table below shows the average cost of liability-only car insurance in each U.S. state:
| State | Average Monthly Cost | Average Annual Cost |
| Alabama | $55 | $660 |
| Alaska | $64 | $768 |
| Arizona | $59 | $708 |
| Arkansas | $50 | $600 |
| California | $65 | $780 |
| Colorado | $73 | $876 |
| Connecticut | $79 | $948 |
| Delaware | $107 | $1,284 |
| Florida | $101 | $1,212 |
| Georgia | $80 | $960 |
| Hawaii | $45 | $540 |
| Idaho | $34 | $408 |
| Illinois | $48 | $576 |
| Indiana | $42 | $504 |
| Iowa | $37 | $444 |
| Kansas | $56 | $672 |
| Kentucky | $75 | $900 |
| Louisiana | $98 | $1,176 |
| Maine | $41 | $492 |
| Maryland | $83 | $996 |
| Massachusetts | $88 | $1,056 |
| Michigan | $154 | $1,848 |
| Minnesota | $78 | $936 |
| Mississippi | $52 | $624 |
| Missouri | $63 | $756 |
| Montana | $44 | $528 |
| Nebraska | $50 | $600 |
| Nevada | $114 | $1,368 |
| New Hampshire | $49 | $588 |
| New Jersey | $95 | $1,140 |
| New Mexico | $47 | $564 |
| New York | $92 | $1,104 |
| North Carolina | $39 | $468 |
| North Dakota | $46 | $552 |
| Ohio | $43 | $516 |
| Oklahoma | $60 | $720 |
| Oregon | $61 | $732 |
| Pennsylvania | $68 | $816 |
| Rhode Island | $101 | $1,212 |
| South Carolina | $72 | $864 |
| South Dakota | $29 | $348 |
| Tennessee | $55 | $660 |
| Texas | $69 | $828 |
| Utah | $65 | $780 |
| Vermont | $35 | $420 |
| Virginia | $52 | $624 |
| Washington | $66 | $792 |
| Washington D.C. | $77 | $924 |
| West Virginia | $58 | $696 |
| Wisconsin | $43 | $516 |
| Wyoming | $31 | $372 |
Our Methodology
To evaluate the car insurance companies and determine the cheapest liability-only coverage options in Hawaii, we employed a comprehensive methodology focused on several key factors. First, we analyzed premium rates provided by each insurer for different driver profiles, including military members, teens, young adults, seniors, and drivers with a history of accidents or DUIs. These profiles were carefully selected to represent a wide range of typical insurance needs, ensuring that our findings are applicable to a broad audience. We collected data from multiple sources, including other insurance review websites, consumer reports, and direct quotes from the insurers. By comparing rates across these varied profiles, we were able to identify the most affordable options for each category.
In addition to premium rates, our evaluation also considered factors such as customer service ratings, claims handling efficiency, and financial stability of the insurance companies. We believe that while affordability is important, the overall quality of service provided by the insurer is equally important. Companies that offer low rates but fail to deliver reliable customer service or timely claims processing may not be the best choice in the long run. Therefore, our methodology balances both cost and quality, ensuring that our recommendations are not only budget-friendly but also trustworthy and dependable for Hawaii drivers.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Why is car insurance in Hawaii so high?
Car insurance premiums in Hawaii are high due to factors like frequent severe weather, a high number of uninsured drivers, and increasing medical and repair costs.
How do I save on car insurance in Hawaii?
You can save on car insurance in Hawaii by comparing quotes from multiple providers, bundling policies, maintaining a clean driving record, and taking advantage of available discounts, such as those for safe driving or low mileage.
About Bob Phillips
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