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Best Cheap Car Insurance in Hawaii for 2020

Jan. 2, 2020
Auto Insurance, Insurance
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It’s hard to predict who will offer cheap car insurance in Hawaii. Prices for the same coverage options can look very different depending on the company, which is why it’s important to compare several quotes and not settle for the first estimate.

NerdWallet has done the heavy lifting for you. We researched rates from the seven largest insurers in the state and found the cheapest options for several driver types.

Cheapest for good drivers in Hawaii

For people with no blemishes on their driving history, the cheapest insurance companies and average rates for full coverage are:

  1. Geico: $867 per year.
  2. State Farm: $1,242 per year.
  3. Island Insurance: $1,266 per year.
  4. Liberty Mutual: $1,389 per year.
  5. Allstate: $1,476 per year.

Drivers with no recent accidents or violations can get cheaper car insurance. For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record. This profile carries standard “full coverage” insurance, including comprehensive and collision, along with state-required coverage. Prices shown include a good driver discount, when available from the insurer.

Cheapest for minimum coverage in Hawaii

Companies with the best average rates for bare-bones car insurance in Hawaii are:

  1. Geico: $341 per year.
  2. Island Insurance: $484 per year.
  3. State Farm: $545 per year.
  4. Liberty Mutual: $600 per year.
  5. Allstate: $605 per year.
We calculated these numbers by averaging rates for 40-year-old good drivers (earning them a discount if the insurer offers one) who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more. If you're looking for the cheapest possible insurance you can get, though, you'll still want to get car insurance quotes from at least three auto insurers.

Cheapest for drivers with one at-fault crash

For drivers in Hawaii who’ve recently caused an accident, here are the cheapest insurers we found and their average rates:

  1. Geico: $1,065 per year.
  2. State Farm: $1,612 per year.
  3. Island Insurance: $1,683 per year.
  4. Liberty Mutual: $1,899 per year.
  5. Allstate: $2,228 per year.
After a relatively minor crash, some auto insurers will charge a lot more than others for coverage. To get these figures, we averaged rates for 40-year-olds with typical "full coverage" insurance and one recent at-fault crash costing $10,000 in property damage. Your rates will remain high for three to five years after you cause an accident or have a moving violation — and you still may be rejected for coverage from certain companies, including those above. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest insurance after a DUI in Hawaii

A Hawaii driver with a recent DUI may want to get insurance quotes from these companies, which showed the cheapest average rates:

  1. State Farm: $1,873 per year.
  2. Geico: $3,424 per year.
  3. Allstate: $3,953 per year.
  4. Liberty Mutual: $6,289 per year.
  5. Farmers: $8,731 per year.
A conviction for driving under the influence, or DUI, generally results in higher auto insurance premiums than before. NerdWallet analyzed rates for 40-year-old drivers and standard “full coverage” car insurance with a recent DUI conviction to see which companies were cheapest. Be warned that you may be rejected for coverage, including from the companies listed above. Rates can vary by hundreds between carriers after a DUI, and some penalize for longer than others, so it’s important to shop around for the best available price right after you see a price hike and each year after that.

Cheapest insurance after a ticket in Hawaii

For a driver with a recent speeding ticket, these are the cheapest insurers in Hawaii and their average rates:

  1. Geico: $898 per year.
  2. State Farm: $1,453 per year.
  3. Farmers: $1,818 per year.
  4. Liberty Mutual: $1,899 per year.
  5. Allstate: $2,048 per year.
Getting a speeding ticket will result in higher car insurance rates from most companies for three to five years. To see who has the cheapest rates, we calculated average car insurance rates for 40-year-old drivers with “full coverage” insurance and a recent ticket for speeding 16 mph over the limit. Though these larger companies were the cheapest we found on average, others may be cheaper for you, so be sure to get at least three quotes before deciding on a carrier.

Cheapest for couples and families in Hawaii

Adding a second car or another driver to your household can change where you’ll find the cheapest car insurance. That’s why in addition to singles, we analyzed rates for couples and families with a teen driver in Hawaii. When there’s a big change in your life, like moving, getting married or putting a new driver on your policy, it’s a good idea to shop for new insurance quotes — the companies that gave you the best rates in the past may not be the cheapest for your new situation.

Cheapest for a married couple in Hawaii

For a husband and wife in Hawaii who are both 50 years old and have clean driving records, these are the cheapest insurance companies and average rates:

  1. Geico: $1,487 per year.
  2. Liberty Mutual: $1,546 per year.
  3. State Farm: $2,061 per year.
  4. Island Insurance: $2,110 per year.
  5. Allstate: $2,198 per year.
Couples who live together can save on auto insurance by combining policies, whether they are married or not, because they can earn multi-car and multi-driver discounts. Once they tie the knot, rates can dip further, but not because of discounts — insurers see married people as less risky and so charge them lower rates. Our hypothetical 50-year-old couple’s clean driving record also earns them both a good driver discount.

Cheapest for families with a teen in Hawaii

For a 50-year-old couple in Hawaii with an 18-year-old driver on their policy, we found the cheapest average rates at these companies:

  1. Geico: $1,487 per year.
  2. Liberty Mutual: $1,761 per year.
  3. State Farm: $2,061 per year.
  4. Island Insurance: $2,110 per year.
  5. Farmers: $2,816 per year.

For this profile, we took that same couple and added a teen with two years’ driving experience. Since different insurers tend to see a teen’s inexperience in different ways, we analyzed rates to see which companies had the cheapest car insurance for teens. These rates are averaged for 50-year-old couples with male and female 18-year-old drivers across the state.

Cheapest for young drivers in Hawaii

In most states, young people can expect to pay higher car insurance rates than more experienced drivers. But in Hawaii, insurers aren’t allowed to charge different prices based on your age or how long you’ve been driving. Here’s what we found when we checked rates for 25-year-olds in Hawaii.

Cheapest full coverage for young good drivers

For full coverage, the cheapest car insurance companies and average rates for a 25-year-old in Hawaii with a clean driving history are:

  1. Geico: $867 per year.
  2. State Farm: $1,242 per year.
  3. Island Insurance: $1,266 per year.
  4. Liberty Mutual: $1,389 per year.
  5. Allstate: $1,476 per year.

The rates above are averages for 25-year-old male and female drivers all over the state with comprehensive and collision coverages, which are often required for drivers with active auto loans or leases. These rates reflect a good driver discount, but no others. Young drivers, like all drivers, should check several quotes to find the cheapest for the coverage levels they need.

Cheapest minimum coverage for young good drivers

For minimum coverage, these are the cheapest insurers for a young driver in Hawaii, listed with their average rates:

  1. Geico: $341 per year.
  2. Island Insurance: $484 per year.
  3. State Farm: $545 per year.
  4. Liberty Mutual: $600 per year.
  5. Allstate: $605 per year.

Since young people often have fewer assets to protect with liability insurance, they can usually get away with lower coverage limits, which helps keep rates as low as possible. For this price set, we averaged rates for 25-year-old male and female drivers living across the state who have clean driving records and bare-bones insurance coverage.

Cheapest for minimum coverage after a crash

After an at-fault wreck, the cheapest average rates for a 25-year-old Hawaii driver come from these insurance companies:

  1. Geico: $413 per year.
  2. Island Insurance: $627 per year.
  3. State Farm: $708 per year.
  4. Liberty Mutual: $824 per year.
  5. Allstate: $922 per year.

To get prices for this group, we averaged rates for 25-year-old male and female drivers across the state with a recent at-fault crash costing $10,000 in property damage. Since car insurance is often pricier after a crash, we assumed minimum required insurance in the state to contain costs for our hypothetical driver. If you’ve caused a crash, no matter your age, be sure to check auto insurance quotes just after the third and fifth anniversaries of your incident, when insurers often adjust rates downward.

Cheapest for minimum coverage after a DUI

For a young driver in Hawaii with a recent DUI, here are the cheapest insurers and average rates:

  1. State Farm: $825 per year.
  2. Geico: $1,231 per year.
  3. Allstate: $2,434 per year.
  4. Liberty Mutual: $2,816 per year.
  5. Farmers: $3,722 per year.

Young drivers with a recent DUI on their records will need to be diligent to find the lowest car insurance rates they can get — it’s likely that many companies’ rates will be quite expensive. But spending the time to shop around for quotes can help you find the lowest. For this analysis, we averaged rates for male and female 25-year-old drivers with a recent on-record DUI. They had minimum required car insurance, which helps keep rates down.

Cheapest for minimum coverage and a ticket

After a speeding ticket, the cheapest insurers and average rates we found for a 25-year-old in Hawaii are:

  1. Geico: $354 per year.
  2. State Farm: $637 per year.
  3. Liberty Mutual: $785 per year.
  4. Farmers: $817 per year.
  5. Allstate: $885 per year.
Getting a speeding ticket is never fun, and neither is the higher car insurance bill you may receive months later. At that point, it's time to shop around for better rates, and it wouldn't hurt to repeat on your third and fifth ticket anniversaries, when insurers may adjust rates downward. We analyzed rates for 25-year-old male and female drivers with a recent speeding violation for going 16 mph over the speed limit to see prices for this group.

Cheap for military families

If you’re an active military member or a veteran — or have an immediate family member who is — USAA is a good bet for finding cheap car insurance in Hawaii. The company isn’t available to the general public, so we don’t rank it against the others, but it was one of the three cheapest options in every category listed above.

» MORE: Best car insurance for veterans and military

Recap: Cheapest car insurance in Hawaii

  • Good drivers: Geico
  • Minimum coverage: Geico
  • After an at-fault crash: Geico
  • After a DUI: State Farm
  • After a speeding ticket: Geico
  • Married couples: Geico
  • Families with a teen: Geico
  • Young good drivers: Geico
  • Minimum coverage for young good drivers: Geico
  • Minimum coverage for young drivers after a crash: Geico
  • Minimum coverage for young drivers after a DUI: State Farm
  • Minimum coverage for young drivers after a ticket: Geico

» MORE: Compare car insurance

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 rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $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.

If required, minimum additional coverages were added. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. 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 minimum required coverage by law in the state.
  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
  • For drivers with a DUI, we added a single drunken driving violation.

We used a 2016 Toyota Camry LE for all single drivers. Couples in our analyses were 50-year-old men and women with clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household. These are rates provided by Quadrant Information Services. Your own rates will be different.