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 you get.

NerdWallet has done the heavy lifting for you. We researched rates from the six largest insurers in the state and found the cheapest options for the following drivers:

Good drivers

Young drivers

Drivers with one at-fault crash

Retired drivers

Drivers with a military connection

also in this article

Minimum required insurance in Hawaii

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.

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The average price for good drivers among the three cheapest options was $1,092 per year. The cheapest rate we found was from State Farm at just $882 per year, or about $74 a month.

If you have a clean driving record, check into discounts that reward safety behind the wheel. Savings for avoiding claims or moving violations, for instance, could influence which insurer is ultimately cheapest.

Cheapest for young drivers

For drivers in their early 20s.

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Drivers in their early 20s typically have less to lose in a crash-related lawsuit than older motorists. For this reason, we collected quotes for young drivers carrying the minimum required coverage and found relatively cheap car insurance in Hawaii.

For example, State Farm had the best deal for this group at $377 per year. That’s over $500 cheaper than the lowest price we found for 30-year-old good drivers who carried fuller policies. All three of the cheapest options had rates at under $40 a month.

Cheapest for drivers with one at-fault crash

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If you cause a crash, you generally can expect your insurer to raise your rates at renewal time. It’s not a bad idea to shop around if that happens, because you might find that another company offers lower rates for those with a blemished record.

State Farm had the cheapest average price, $1,048 per year. This was $166 higher than best deal we found for drivers of the same age with no crashes. State Farm’s rate was much lower than the next cheapest competitor in our analysis, Geico, which had a rate of $1,602 per year.

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.

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Since they don’t have to log the miles that come with a daily commute, retired drivers often can find relatively cheap car insurance in Hawaii.

We collected quotes for drivers in their 60s who travel half as much in a year as other groups. State Farm led the field with the lowest average price, $882 per year. This was the same rate the company had for drivers over half that age who commute. The next-cheapest options, Allstate and Geico, both had cheaper rates for retirees than they did for 30-year-old good drivers.

Cheapest for drivers with a military connection

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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 is not available to the general public, but it offered the cheapest average price in every category listed above.

Minimum required insurance in Hawaii

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.

Here’s a summary of where you’ll find the cheapest insurance, by category: