
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
If you’re trying to save money on your insurance policy, looking at your state’s requirements is a good place to start. Each state has its own car insurance requirements, and tells you what the bare minimum is that you need to carry.
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Car insurance quick facts
In no fault states, each driver pays for their own damages in an accident.
Company | Direct premiums written (billions) | Market share |
---|---|---|
Geico | $212,181 | 27.2% |
State Farm | $145,038 | 18.6% |
USAA | $93,188 | 11.9% |
Allstate | $70,797 | 9.1% |
Progressive | $56,904 | 7.3% |
Farmers Insurance | $48,468 | 6.2% |
Tokio Marine | $39,101 | 5.0% |
Liberty Mutual | $37,640 | 4.8% |
Island Insurance | $25,181 | 3.2% |
MS&AD | $17,765 | 2.3% |
With average annual costs between $1200 and $1350, Hawaii is neither too expensive nor especially cheap when it comes to car insurance. If you’re looking to buy car insurance here, you can probably expect your cost to fall within this range.
However, it’s good to bear in mind that your unique background and circumstances could contribute to a rate that’s substantially higher or lower than the state average. No matter where you are, a whole host of factors can influence your auto insurance rates, and you’ll have to consider the factors that are under your control to get the best rate possible.
Of Hawaii’s largest cities, Kaneohe has the cheapest rates and Mililani has the most expensive car insurance rates. Mililani drivers could face rates 2 times more than Kaneohe drivers.
Company | Annual car insurance rate |
---|---|
Allstate | $546 |
Farmers | $1257 |
Geico | $708 |
State Farm | $595 |
USAA | $937 |
Company | Annual car insurance rate |
---|---|
Allstate | $513 |
Farmers | $1267 |
Geico | $708 |
State Farm | $595 |
USAA | $937 |
Company | Annual car insurance rate |
---|---|
Allstate | $513 |
Farmers | $1267 |
Geico | $708 |
State Farm | $595 |
USAA | $937 |
Company | Annual car insurance rate |
---|---|
Allstate | $513 |
Farmers | $1267 |
Geico | $711 |
State Farm | $595 |
USAA | $937 |
In order to legally drive in Hawaii, you’ll need insurance that at least includes:
When shopping for car insurance, you may see this written as 20/40/10.
Many drivers in some states are legally required to purchase uninsured or underinsured motorists coverage (UM/UIM). This coverage protects you if you get into a car accident with someone who doesn’t have enough insurance to cover the damages caused by an accident. Hawaii is an opt-out state, which means that car insurance companies are required to offer it, but you can choose not to take it.
Yes. Hawaii’s PIP coverage doesn’t automatically come with reimbursement for lost wages, substitute services, funeral benefits and more. It’s a good idea to contact your insurance provider if you’re unsure of what exactly you’re covered for.
Yes, you can. You might need an SR-22 in Hawaii if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.
How to file an SR-22 in Florida
Some residents of Hawaii can get free car insurance through the Assistance to the Aged, Blind and Disabled (AABD) program. To qualify you must meet one of these requirements
Compare car insurance companies near you.
Your information is secure.
It can be hard to find car insurance policies with the exact policies and conditions you’re hoping for. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.
Roslyn McKenna is an insurance expert who's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.
Find out when to visit to get the most out of your trip on your budget.
See which airlines serve Hawaii and how to snag a cheap seat.
Scuba dive, surf, hike and island-hop your way around the Aloha State.
Hotels and travel deals for a great Hawaiian getaway.
Lock in a low price on your next vacation to Hawaii with our discounts on plane tickets, places to stay, rental cars, things to do and more.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.