The Cheapest Car Insurance in Hawaii for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Hawaii for a variety of ages and driving histories.
Dec 9, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Hawaii isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Hawaii is $1,188 per year, or about $99 per month, according to NerdWallet’s analysis. Minimum coverage in Hawaii is $391 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Hawaii at $285 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

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Cheapest car insurance company overall in Hawaii

$78/month

5.0

NerdWallet rating 

Cheapest for minimum coverage

$24/month

4.5

NerdWallet rating 

Cheapest for young drivers

$78/month

5.0

NerdWallet rating 

How we chose the cheapest companies in Hawaii

NerdWallet’s editorial team analyzed car insurance rates from five auto insurers in Hawaii and found the four cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Hawaii. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Hawaii for 20-year-olds

Drivers in Hawaii with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. State Farm: $941 per year, or about $78 per month.

  2. Geico: $1,099 per year, or about $92 per month.

  3. Allstate: $1,352 per year, or about $113 per month.

  4. Island Insurance: $1,435 per year, or about $120 per month.

Cheapest minimum coverage car insurance in Hawaii for 20-year-olds

Drivers in Hawaii who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $308 per year, or about $26 per month.

  2. State Farm: $353 per year, or about $29 per month.

  3. Island Insurance: $415 per year, or about $35 per month.

  4. Allstate: $511 per year, or about $43 per month.

Cheapest auto insurance in Hawaii for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Hawaii, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $394 per year, or about $33 per month.

  2. State Farm: $467 per year, or about $39 per month.

  3. Island Insurance: $558 per year, or about $46 per month.

  4. Allstate: $818 per year, or about $68 per month.

Cheapest auto insurance in Hawaii for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. State Farm: $561 per year, or about $47 per month.

  2. Geico: $1,445 per year, or about $120 per month.

  3. Allstate: $2,174 per year, or about $181 per month.

  4. Island Insurance: $3,153 per year, or about $263 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Hawaii for 30-year-olds

Drivers in Hawaii with clean driving records may get the lowest rates from these companies:

  1. State Farm: $941 per year, or about $78 per month.

  2. Geico: $1,022 per year, or about $85 per month.

  3. Allstate: $1,352 per year, or about $113 per month.

  4. Island Insurance: $1,435 per year, or about $120 per month.

Cheapest minimum coverage car insurance in Hawaii for 30-year-olds

Drivers in Hawaii who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $285 per year, or about $24 per month.

  2. State Farm: $353 per year, or about $29 per month.

  3. Island Insurance: $415 per year, or about $35 per month.

  4. Allstate: $511 per year, or about $43 per month.

Cheapest auto insurance in Hawaii for 30-year-old drivers with one at-fault crash

For drivers in Hawaii with a recent accident, here are the lowest average rate options for full coverage:

  1. State Farm: $1,222 per year, or about $102 per month.

  2. Geico: $1,369 per year, or about $114 per month.

  3. Island Insurance: $1,917 per year, or about $160 per month.

  4. Allstate: $2,044 per year, or about $170 per month.

Cheapest auto insurance in Hawaii for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. State Farm: $1,436 per year, or about $120 per month.

  2. Allstate: $3,592 per year, or about $299 per month.

  3. Geico: $4,819 per year, or about $402 per month.

  4. Island Insurance: $10,599 per year, or about $883 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Hawaii for 40-year-olds

Drivers in Hawaii with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. State Farm: $941 per year, or about $78 per month.

  2. Geico: $1,022 per year, or about $85 per month.

  3. Allstate: $1,352 per year, or about $113 per month.

  4. Island Insurance: $1,435 per year, or about $120 per month.

Cheapest minimum coverage car insurance in Hawaii for 40-year-olds

Drivers in Hawaii who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $285 per year, or about $24 per month.

  2. State Farm: $353 per year, or about $29 per month.

  3. Island Insurance: $415 per year, or about $35 per month.

  4. Allstate: $511 per year, or about $43 per month.

Cheapest auto insurance in Hawaii for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Hawaii, here are the companies with the lowest average rates for full coverage:

  1. State Farm: $1,222 per year, or about $102 per month.

  2. Geico: $1,369 per year, or about $114 per month.

  3. Island Insurance: $1,917 per year, or about $160 per month.

  4. Allstate: $2,044 per year, or about $170 per month.

Cheapest auto insurance in Hawaii for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. State Farm: $1,436 per year, or about $120 per month.

  2. Allstate: $3,592 per year, or about $299 per month.

  3. Geico: $4,819 per year, or about $402 per month.

  4. Island Insurance: $10,599 per year, or about $883 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Hawaii for 50-year-olds

Drivers in Hawaii with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. State Farm: $941 per year, or about $78 per month.

  2. Geico: $1,022 per year, or about $85 per month.

  3. Allstate: $1,352 per year, or about $113 per month.

  4. Island Insurance: $1,435 per year, or about $120 per month.

Cheapest minimum coverage car insurance in Hawaii for 50-year-olds

Drivers in Hawaii who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $285 per year, or about $24 per month.

  2. State Farm: $353 per year, or about $29 per month.

  3. Island Insurance: $415 per year, or about $35 per month.

  4. Allstate: $511 per year, or about $43 per month.

Cheapest auto insurance in Hawaii for 50-year-old drivers with one at-fault crash

For drivers living in Hawaii with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. State Farm: $1,222 per year, or about $102 per month.

  2. Geico: $1,369 per year, or about $114 per month.

  3. Island Insurance: $1,917 per year, or about $160 per month.

  4. Allstate: $2,044 per year, or about $170 per month.

Cheapest auto insurance in Hawaii for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. State Farm: $1,436 per year, or about $120 per month.

  2. Allstate: $3,592 per year, or about $299 per month.

  3. Geico: $4,819 per year, or about $402 per month.

  4. Island Insurance: $10,599 per year, or about $883 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Hawaii for 60-year-olds

Drivers in Hawaii with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. State Farm: $941 per year, or about $78 per month.

  2. Geico: $1,022 per year, or about $85 per month.

  3. Allstate: $1,352 per year, or about $113 per month.

  4. Island Insurance: $1,435 per year, or about $120 per month.

Cheapest minimum coverage car insurance in Hawaii for 60-year-olds

Drivers in Hawaii who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $285 per year, or about $24 per month.

  2. State Farm: $353 per year, or about $29 per month.

  3. Island Insurance: $415 per year, or about $35 per month.

  4. Allstate: $511 per year, or about $43 per month.

Cheapest auto insurance in Hawaii for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Hawaii, here are the companies with the lowest average rates for full coverage:

  1. State Farm: $1,222 per year, or about $102 per month.

  2. Geico: $1,369 per year, or about $114 per month.

  3. Island Insurance: $1,917 per year, or about $160 per month.

  4. Allstate: $2,044 per year, or about $170 per month.

Cheapest auto insurance in Hawaii for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. State Farm: $1,436 per year, or about $120 per month.

  2. Allstate: $3,592 per year, or about $299 per month.

  3. Geico: $4,819 per year, or about $402 per month.

  4. Island Insurance: $10,599 per year, or about $883 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was the cheapest auto insurance option for all 24 driver profiles we examined.

Minimum required auto insurance in Hawaii

Hawaii is a no-fault state. Hawaii car insurance policies must include at least liability insurance and personal injury protection, or PIP, in the following amounts:

  • $20,000 bodily injury liability per person.

  • $40,000 bodily injury liability per crash.

  • $10,000 property damage liability per crash.

  • $10,000 PIP.

While this will be enough to drive legally, you may want more insurance to fully cover the costs of a crash. For instance, if you total another person’s vehicle, the property damage could easily exceed the $10,000 minimum limit listed above. Any damage above your coverage limit would have to come out of your pocket.

Check out NerdWallet’s guide to car insurance requirements by state for help in understanding your policy and selecting coverage limits.

For more help in getting cheap car insurance in Hawaii, try NerdWallet’s car insurance comparison tool. If you’re having a hard time finding coverage due to a spotty driving record, call the Hawaii Joint Underwriters Program at (808) 586-2790.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall and the cheapest company for minimum coverage. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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