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Updated October 29, 2024
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Table of contents
The average cost of auto insurance in Hawaii is $88, substantially cheaper than the national average of $158. This could partly be because Hawaii currently has one of the lowest required minimums for bodily injury coverage, at $20,000 per person.
But the state legislature is considering increasing the minimum coverage requirements for liability car insurance, which could lead to increases in auto policy premiums on the islands.
Here’s what you should know about comparing quotes and finding cheap coverage in the Aloha State.
State Farm, Allstate, and Midvale Home & Auto have the cheapest car insurance in Hawaii.
Since Hawaii is a no-fault state, you have to file a claim for any bodily injuries with your insurance company, even when you’re in an accident you didn’t cause.
Hawaii law prohibits the use of credit ratings to determine auto insurance premiums.
3 of the cheapest car insurance companies in Hawaii
The cost of car insurance depends on a variety of factors, including your age, where you live, and the type of car you drive. The right car insurance policy for you will depend on your individual situation and budget.
Start your search for affordable coverage with the companies in the table below.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
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State Farm | 9.3 | $56 | $40 | Low rates |
Allstate | 8.9 | $61 | $43 | Discounts |
Midvale Home & Auto | 3.2 | $131 | $68 | Coverage options |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Jannie
October 29, 2024
Good
Marsha
October 29, 2024
Friendly agents!
Linda
October 29, 2024
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
For more than 100 years, State Farm has offered customers a variety of investment, banking, and insurance products, including auto, homeowners, life, and business insurance. State Farm offers Hawaii drivers some of the lowest car insurance rates.
Strong J.D. Power customer satisfaction ratings
A++ (Superior) financial strength ranking from AM Best
Doesn’t offer gap insurance
Fewer discounts than some competitors
Best insurer for discounts: Allstate
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $62/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $137/mo |
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
Howard
October 29, 2024
They Have You By The Short Hairs
Hugh
October 29, 2024
Actual Crash Damages vs. Damages Quoted Over the Phone
Miriam
October 29, 2024
Best Overall
Allstate customers can shop for a variety of insurance products, including home, renters, motorcycle, life, and auto insurance. To save money, Hawaii drivers can take advantage of a wide range of discounts, such as new-car, anti-theft, student, and safe-driving discounts.
Rental car reimbursement coverage available
Offers rideshare coverage
Above average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC)
Low customer reviews
Best insurer for coverage options: Midvale Home & Auto
A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 3.2 /10 |
Midvale Home & Auto is a subsidiary of American Family Insurance. It offers home, condo, renters insurance, and auto insurance coverage. Drivers can choose from a range of car insurance products, including comprehensive, collision, bodily injury, medical payments, and more.
Offers gap insurance
Can save by bundling home and auto insurance
High auto insurance premiums compared to other insurers
Can’t get a quote online
How to get the cheapest car insurance in Hawaii
Car insurance premiums are based on a variety of factors, including your age, your gender, your ZIP code, the type of car you drive, how often you drive, and your driving record. To get the cheapest car insurance coverage in Hawaii, consider the following tips:
Keep a clean driving record. The cleaner your driving record, the better your premium. If you’ve been in an accident or had another traffic violation, you can expect your insurance rate to go up.
Drive a safe car. Some insurance companies offer discounts if you drive a car with quality safety features.
Increase your deductible. Requesting a higher deductible can significantly lower your monthly costs. For example, going from a $200 to a $500 deductible can reduce the cost of your collision and comprehensive coverage by 15% to 30%, according to the Insurance Information Institute.[1]
Comparison shop. The cost of auto insurance varies between insurers. By comparing quotes from three or more companies, you can find the insurance that best fits your needs and budget.
Cheapest liability-only car insurance in Hawaii
Nearly every state requires a minimum amount of car insurance, including Hawaii. Liability-only car insurance is composed of bodily injury and property damage liability.
Bodily injury covers the other person’s medical expenses if you cause a car accident. Property damage coverage pays for damages that you cause to someone’s vehicle or other property, such as a sign or fence. Liability-only coverage doesn’t cover your vehicle if you cause an accident.
In Hawaii, the minimum level of coverage also includes personal injury protection (PIP), which pays for your injuries after an accident, regardless of fault. Liability-only insurance in Hawaii costs $64 per month, on average. The following table provides the lowest average quotes for liability insurance in Hawaii.
Insurance Company ▲▼ | Average Monthly Quote ▲ |
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