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Compare car insurance in Hawaii

Get the cheapest car insurance in Hawaii for 2020

Updated

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. But don’t forget to look at your own needs and safety concerns when choosing your full insurance plan.

Hawaii

Car insurance quick facts

20/40/10

Minimum liability requirements

$1,350

Average annual car insurance cost

30

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Car insurance companies in Hawaii

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
Farmers
15%
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
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Compare up to 4 providers

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%

Average car insurance costs in Hawaii

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.

Compare Hawaii car insurance

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.

Car insurance quotes in Waipahu

Company Annual car insurance rate
Allstate $546
Farmers $1257
Geico $708
State Farm $595
USAA $937

Car insurance quotes in Mililani

Company Annual car insurance rate
Allstate $513
Farmers $1267
Geico $708
State Farm $595
USAA $937

Car insurance quotes in Kaneohe

Company Annual car insurance rate
Allstate $513
Farmers $1267
Geico $708
State Farm $595
USAA $937

Car insurance quotes in Honolulu

Company Annual car insurance rate
Allstate $513
Farmers $1267
Geico $711
State Farm $595
USAA $937

State minimum car insurance requirements in Hawaii

In order to legally drive in Hawaii, you’ll need insurance that at least includes:

  • $10,000 for personal injury protection (PIP) coverage. This will cover any injuries suffered by you or your passengers, regardless of who was at fault
  • $20,000 bodily injury liability coverage per person
  • $40,000 total bodily injury coverage per accident
  • $10,000 for property damage

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.

Is Hawaii’s PIP coverage different than most states?

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.

Can I get SR-22 insurance in Hawaii?

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

Insurance help for low-income Hawaii drivers

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

  • Be 65 or older
  • Be blind
  • Be unable to work because of a physical or mental condition
  • Live with or take care of someone who gets AABD benefits
  • Your SSI doesn’t provide you with enough money

Bottom line

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.

Frequently asked questions about car insurance in Hawaii

More guides on Finder

  • Best time to visit Hawaii

    Find out when to visit to get the most out of your trip on your budget.

  • Flights to Hawaii

    See which airlines serve Hawaii and how to snag a cheap seat.

  • Getting around in Hawaii

    Find out what options you have for buses, taxis and car rentals on the Hawaiian islands and how to hop between islands.

  • Things to do in Hawaii

    Scuba dive, surf, hike and island-hop your way around the Aloha State.

  • Hotels in Hawaii

    Hotels and travel deals for a great Hawaiian getaway.

  • Hawaii travel deals

    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.

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