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Best Cheap Car Insurance in Hawaii for 2021

July 12, 2021
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 10 insurers in the state and found the cheapest options for several driver types.

Cheapest car insurance in Hawaii for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find 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: $950 per year.
  2. Geico: $1,059 per year.
  3. Island Insurance: $1,377 per year.
  4. Allstate: $1,487 per year.

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: $295 per year.
  2. State Farm: $339 per year.
  3. Island Insurance: $396 per year.
  4. Allstate: $522 per year.

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: $378 per year.
  2. State Farm: $448 per year.
  3. Island Insurance: $533 per year.
  4. Allstate: $836 per year.

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: $539 per year.
  2. Geico: $1,392 per year.
  3. Allstate: $2,266 per year.
  4. Island Insurance: $3,007 per year.

Cheapest car insurance in Hawaii 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: $950 per year.
  2. Geico: $985 per year.
  3. Island Insurance: $1,377 per year.
  4. Allstate: $1,487 per year.

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: $272 per year.
  2. State Farm: $339 per year.
  3. Island Insurance: $396 per year.
  4. Allstate: $522 per year.

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: $1,235 per year.
  2. Geico: $1,318 per year.
  3. Island Insurance: $1,839 per year.
  4. Allstate: $2,251 per year.

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: $1,453 per year.
  2. Allstate: $3,870 per year.
  3. Geico: $4,627 per year.
  4. Island Insurance: $10,159 per year.

Cheapest car insurance in Hawaii 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: $950 per year.
  2. Geico: $985 per year.
  3. Island Insurance: $1,377 per year.
  4. Allstate: $1,487 per year.

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: $272 per year.
  2. State Farm: $339 per year.
  3. Island Insurance: $396 per year.
  4. Allstate: $522 per year.

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: $1,235 per year.
  2. Geico: $1,318 per year.
  3. Island Insurance: $1,839 per year.
  4. Allstate: $2,251 per year.

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: $1,453 per year.
  2. Allstate: $3,870 per year.
  3. Geico: $4,627 per year.
  4. Island Insurance: $10,159 per year.

Cheapest car insurance in Hawaii 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 the best cheap car 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: $950 per year.
  2. Geico: $985 per year.
  3. Island Insurance: $1,377 per year.
  4. Allstate: $1,487 per year.

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: $272 per year.
  2. State Farm: $339 per year.
  3. Island Insurance: $396 per year.
  4. Allstate: $522 per year.

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: $1,235 per year.
  2. Geico: $1,318 per year.
  3. Island Insurance: $1,839 per year.
  4. Allstate: $2,251 per year.

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: $1,453 per year.
  2. Allstate: $3,870 per year.
  3. Geico: $4,627 per year.
  4. Island Insurance: $10,159 per year.

Cheapest car insurance in Hawaii for 65-year-old drivers

Although 65-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 auto insurance for seniors, drivers in their mid-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 65-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: $950 per year.
  2. Geico: $985 per year.
  3. Island Insurance: $1,377 per year.
  4. Allstate: $1,487 per year.

Cheapest minimum coverage car insurance in Hawaii for 65-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: $272 per year.
  2. State Farm: $339 per year.
  3. Island Insurance: $396 per year.
  4. Allstate: $522 per year.

Cheapest auto insurance in Hawaii for 65-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: $1,235 per year.
  2. Geico: $1,318 per year.
  3. Island Insurance: $1,839 per year.
  4. Allstate: $2,251 per year.

Cheapest auto insurance in Hawaii for 65-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: $1,453 per year.
  2. Allstate: $3,870 per year.
  3. Geico: $4,627 per year.
  4. Island Insurance: $10,159 per year.

Cheapest car insurance for military families in Hawaii

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 most of the driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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