Cheap Car Insurance in Hawaii for 2024 (Big Savings With These 10 Companies!)
For cheap car insurance in Hawaii, outstanding providers include Geico, State Farm, and Travelers. Geico stands out with rates starting as low as $22 per month, making it a leading choice for budget-friendly coverage. State Farm and Travelers also offer competitive plans that cater to cost-conscious drivers.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Oct 1, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Oct 1, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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17,759 reviewsCompany Facts
Min. Coverage in Hawaii
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17,759 reviews
1,731 reviewsCompany Facts
Min. Coverage in Hawaii
A.M. Best Rating
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1,731 reviewsFind cheap car insurance in Hawaii with rates starting at $22/mo by Geico. Explore options from State Farm and Travelers for affordable coverage.
For comprehensive protection, exploring options for the best car insurance for full coverage can ensure you’re well-covered for all possible scenarios.
Our Top 10 Company Picks: Cheap Car Insurance in Hawaii| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $22 | A++ | Affordable Rates | Geico |
 | #2 | $23 | B | Reliable Coverage | State Farm |
 | #3 | $27 | A++ | Usage-Based | Travelers |
 | #4 | $29 | A+ | Flexible Options | Progressive |
 | #5 | $30 | A | Hybrid Discounts | American Family |
 | #6 | $32 | A+ | Customer Satisfaction | Amica |
 | #7 | $35 | A | Member Benefits | AAA |
 | #8 | $36 | A | Customizable Policies | Farmers |
 | #9 | $43 | A+ | Comprehensive Coverage | Allstate |
 | #10 | $47 | A | Replacement Coverage | Liberty Mutual |
Ready to shop around for the best car insurance company? Enter your ZIP code above and see which one offers the coverage you need.
- Lowest rates at $22 per month in Hawaii
- Competitive rates and reliable coverage
- Compare top providers for the best rates
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#1 — Geico: Top Overall Pick
Pros
- Affordable Monthly Rates: Geico offers some of the most cheap car insurance, making it an excellent choice for budget-conscious drivers.
- Excellent A++ A.M. Best Rating: Geico’s A++ rating from A.M. Best reflects its high financial strength, ensuring that you get reliable, cheap car insurance.
- Highly Affordable Rates: Geico’s combination of low monthly rates and solid financial stability makes it a top pick. Read more about affordable rates at “Geico Insurance Review.”
Cons
- Limited Personalized Service: Geico’s focus on low rates and online service may lead to less personalized customer support, which may affect those seeking a more tailored experience.
- May Not Address Specialized Needs: Geico’s standard coverage options may not fully address specific needs, potentially limiting their effectiveness for some drivers.
#2 — State Farm: Best for Reliable Coverage
Pros
- Competitive Monthly Rates: State Farm offers competitive pricing for cheap car insurance while maintaining reliable coverage. Discover more options at “State Farm Insurance Review.”
- Strong Track Record: Despite its B rating from A.M. Best, State Farm’s reputation for reliability makes it a dependable choice for cheap car insurance.
- Reliable Coverage: State Farm’s consistent service ensures that drivers get dependable car insurance in Hawaii with a focus on solid coverage.
Cons:
- Lower A.M. Best Rating: State Farm’s B rating from A.M. Best may not be as reassuring as other providers, which could impact the perception of cheap car insurance.
- Less Flexible Options: State Farm’s coverage options might not be as flexible, potentially making it harder to find cheap car insurance that fits unique needs.
#3 — Travelers: Best for Usage-Based
Pros
- Usage-Based Discounts: Travelers offers usage-based insurance, which can help lower rates for low-mileage drivers. Read our article “Travelers Homeowners Insurance Review.”
- Top A++ A.M. Best Rating: Travelers boasts an A++ rating from A.M. Best, providing confidence in its financial stability and reliability.
- Comprehensive Coverage Options: Travelers offers a variety of coverage options, allowing you to tailor your policy.
Cons
- Higher Premiums for High-Mileage Drivers: Due to Travelers’ usage-based approach, drivers with high mileage might face higher rates.
- Complex Policies: The range of coverage options and usage-based factors might be complex, making it harder to find straightforward, cheap car insurance.
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#4 — Progressive: Best for Flexible Options
Pros
- Flexible Coverage Choices: Progressive offers customizable policies, allowing you to adjust coverage to fit your needs. Discover more coverages at “Progressive Insurance Review.”
- A+ A.M. Best Rating: Progressive has an A+ rating from A.M. Best, Which ensures solid financial stability and reliable coverage.
- Competitive Monthly Rates: Progressive delivers affordable rates and flexible coverage options, making it a good choice for cheap car insurance.
Cons
- Potential Higher Rates for Some Drivers: Progressive’s rates might be higher, depending on your driving profile, impacting the affordability of cheap car insurance in Hawaii.
- Complex Discount Structure: The many discounts and options available can be confusing, potentially complicating the process of securing cheap car insurance.
#5 — American Family: Best for Hybrid Discounts
Pros
- Hybrid Vehicle Discounts: The American Family provides discounts for hybrid vehicles, making it an excellent choice for cheap car insurance if you drive a hybrid.
- An M. Best Rating: American Family offers solid financial stability, and A.M. Best’s A rating ensures dependable, cheap car insurance.
- Comprehensive Coverage Options: This company offers a range of coverage options tailored to different needs. Read more at “American Family Insurance Review.”
Cons
- Higher Rates for Non-Hybrids: Drivers of non-hybrid vehicles might not benefit from the same level of discounts.
- Limited Availability in Some Areas: American Family’s coverage may not be available everywhere in Hawaii, potentially limiting options for cheap car insurance.
#6 — Amica: Best for Customer Satisfaction
Pros
- High Customer Satisfaction: Amica’s excellent customer satisfaction ratings ensure a positive experience for those seeking with a focus on high-quality service.
- A+ A.M. Best Rating: With an A+ rating from A.M. Best, Amica provides financial solid stability, ensuring reliability. Discover more about the best ratings at “Amica Insurance Review.”
- Competitive Monthly Rates: Amica offers affordable rates and high customer satisfaction, making it a solid choice for cheap car insurance in Hawaii.
Cons
- Higher Premiums for High-Mileage Drivers: Amica’s rates may increase for drivers with high mileage.
- Limited Discounts: Compared to some competitors, Amica might offer fewer discounts, which could impact the overall cost.
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#7 — AAA: Best for Member Benefits
Pros
- Exclusive Member Benefits: AAA provides valuable member benefits, including discounts and roadside assistance.
- A.M. Best Rating: With an A rating from A.M. Best, AAA offers reliable financial stability. Read our article “AAA Insurance Review” to know more.
- Competitive Monthly Rates: AAA offers affordable rates and exclusive member benefits, making it a good option for cheap car insurance in Hawaii.
Cons
- Membership Fees: AAA’s membership fees add to the overall cost, which might affect the affordability of cheap car insurance in Hawaii.
- Limited Discount Options: Non-members may not access the full range of discounts, potentially impacting the cost.
#8 — Farmers: Best for Customizable Policies
Pros
- Customizable Coverage: Farmers offers highly customizable policies, allowing you to tailor coverage to your needs. Gain more insight about coverages at “Farmers Insurance Review.”
- A.M. Best Rating: Farmers Insurance has an A rating from A.M. Best, ensuring robust financial stability and reliable coverage for cheap car insurance in Hawaii.
- Competitive Monthly Rates: Farmers offers affordable rates and customizable policies, making it an excellent choice for cheap car insurance.
Cons
- Higher Rates for Young Drivers: Farmers may charge young drivers higher premiums, affecting their ability to find cheap car insurance.
- Complex Policy Structure: The extensive range of customizable options can be overwhelming, potentially complicating securing cheap car insurance in Hawaii.
#9 — Allstate: Best for Comprehensive Coverage
Pros
- Extensive Coverage Options: Allstate offers comprehensive coverage to protect against various risks, making it a strong option for cheap car insurance.
- A+ A.M. Best Rating: Allstate’s A+ rating from A.M. Best ensures solid financial stability and reliable, cheap car insurance in Hawaii.
- Competitive Monthly Rates: Allstate delivers extensive coverage options and strong financial stability, making it a solid choice. Discover more at “Allstate Insurance Review.”
Cons
- Higher Premiums for Some Drivers: Allstate’s rates may be higher for specific drivers, which could impact the overall affordability.
- Potentially Complex Pricing: The variety of coverage options and discounts can be complex, making it challenging to find the most cost-effective insurance.
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#10 — Liberty Mutual: Best for Replacement Coverage
Pros
- Replacement Coverage: Liberty Mutual’s replacement coverage ensures you receive adequate compensation if your vehicle is totaled.
- An M. Best Rating: With an A rating from A.M. Best, Liberty Mutual offers solid financial stability, ensuring reliable coverage. Discover more at “Liberty Mutual Insurance Review.”
- Competitive Monthly Rates: Liberty Mutual provides affordable rates and comprehensive replacement coverage, making it a good option.
Cons
- Higher Premiums for Some Drivers: Liberty Mutual’s rates may be higher for specific drivers, potentially affecting the affordability of cheap car insurance.
- Limited Local Agent Network: Liberty Mutual’s network may be less extensive, impacting the availability of cheap car insurance with personalized service.
Understanding Car Insurance in Hawaii
Regarding car insurance, it’s essential to have a basic understanding of how it works. Car insurance is a contract between you and an insurance company that protects you financially in case of an accident or theft.
It provides coverage for property damage, bodily injury, and medical expenses.
Hawaii Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $35 | $95 |
| $43 | $118 |
| $30 | $82 |
| $32 | $88 |
| $36 | $99 |
| $22 | $59 |
| $47 | $128 |
| $29 | $78 |
| $23 | $64 |
| $27 | $72 |
But did you know that car insurance policies offer more than basic coverage? For instance, the best car insurance for PIP coverage provides essential financial protection for medical expenses, regardless of fault in an accident.
Let’s dive deeper into the different types of coverage and what they entail.
The Basics of Car Insurance
Car insurance policies typically consist of several types of coverage. Liability coverage pays for the damages you cause to others if you are at fault in an accident.
This coverage ensures you are not left financially responsible for someone else’s medical bills or property damage. It’s an essential component of any car insurance policy.
5 Most Common Auto Insurance Claims in Hawaii| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 33% | $3,700 |
| Comprehensive | 20% | $2,500 |
| Property Damage | 18% | $4,100 |
| Bodily Injury Liability | 16% | $15,500 |
| Personal Injury Protection (PIP) | 13% | $8,900 |
Collision coverage, on the other hand, pays for the damages to your vehicle if you are at fault in an accident. Whether it’s a minor fender bender or a major collision, this coverage ensures that your car gets repaired or replaced, saving you from hefty out-of-pocket expenses.
Comprehensive coverage protects against theft, vandalism, and other non-collision incidents. Imagine waking up one morning to find your car missing or vandalized.
With comprehensive coverage, you can rest easy knowing that your insurance will compensate you for the loss or damages.
Hawaii Car Insurance Discounts by Provider| Insurance Company | Available Discounts |
|---|---|
 | Multi-policy, Safe driver, Good student, Membership, Anti-theft |
 | Multi-policy, Safe driver, New car, Good student, Anti-theft, Paperless |
 | Multi-policy, Good student, Steer into Savings (switching discount), Loyalty, Hybrid |
 | Multi-policy, Good student, Anti-theft, Loyalty, Autopay, Paid in full |
 | Multi-policy, Safe driver, Signal (usage-based), Good student, Homeowner |
 | Multi-policy, Good driver, Military, Good student, Anti-theft, Safety equipment |
 | Multi-policy, Good student, Safe driver, Hybrid, Anti-theft, Early shopper |
 | Multi-policy, Snapshot (usage-based), Safe driver, Good student, Continuous insurance |
 | Multi-policy, Safe driver, Good student, Anti-theft, Drive Safe & Save (usage-based) |
 | Multi-policy, Safe driver, IntelliDrive (usage-based), Good student, Homeowner |
Additionally, personal injury protection (PIP) coverage covers your medical expenses regardless of who is at fault in an accident. This coverage is essential as it ensures you receive medical treatment and care without worrying about the financial burden.
Uninsured/underinsured motorist coverage is another crucial component of car insurance. It protects you if you are involved in an accident with a driver who doesn’t have sufficient insurance.
In such cases, your insurance will cover the damages, ensuring that you are not left empty-handed.
Factors Affecting Car Insurance Rates in Hawaii
Several factors determine the cost of car insurance in Hawaii. Insurance companies take these factors into account to assess the risk associated with insuring a particular driver.
Hawaii Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Hilo | $2,500 | $1,900 |
| Honolulu | $10,000 | $7,800 |
| Kailua | $2,100 | $1,600 |
| Kaneohe | $1,800 | $1,400 |
| Pearl City | 1,700 | $1,300 |
Understanding these factors can help you find ways to lower your insurance premiums. Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — enter your ZIP code to get started.
Regarding car insurance rates in Hawaii, age and driving experience are key factors that insurance companies consider. Younger and inexperienced drivers generally pay more for insurance as they are considered higher risk.
This is because they have less experience on the road and are more likely to engage in risky driving behaviors.
However, as you gain more driving experience and maintain a clean driving record, your premiums may decrease. Insurance companies view experienced drivers as less of a liability, resulting in lower rates.
Another factor affecting your car insurance rates in Hawaii is your vehicle’s make and model. Insurance companies assess different cars’ safety features, repair costs, and theft rates.
For comprehensive protection, considering the best car insurance for uninsured and underinsured motorists is essential, as it ensures coverage of accidents with drivers lacking adequate insurance.
Hawaii Report Card: Auto Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Average Premiums | B | Premiums are slightly above the national average due to higher cost of living |
| Premiums for High-Risk Drivers | C+ | Higher premiums for drivers with accidents or violations |
| Discount Availability | A- | Discounts are strong, especially for good drivers and multi-policy holders |
| Regional Variation | B | Honolulu has significantly higher premiums compared to other regions |
| Customer Satisfaction | B+ | Generally positive, though claims handling could see improvement |
It’s important to note that car insurance rates can vary between different insurance companies in Hawaii. Each insurance company has its method of assessing risk and determining premiums.
This is why it’s essential to shop around and compare quotes from multiple insurance providers to find the best rates for your specific circumstances.
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How to Find Cheap Car Insurance in Hawaii
Now that you understand the basics of car insurance and the factors that affect rates let’s explore how to find affordable car insurance in Hawaii.
Hawaii Report Card: Auto Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Good Driver Discount | A | 20-25% | Geico, State Farm, Progressive, Allstate |
| Multi-Policy Discount | A- | 15-20% | Nationwide, Liberty Mutual, USAA |
| Defensive Driving Discount | B+ | 5-15% | Allstate, The Hartford, Geico |
| Low Mileage Discount | B | 5-10% | Progressive, Nationwide, Liberty Mutual |
| Good Student Discount | A | 10-20% | State Farm, Allstate, Liberty Mutual |
Living in the beautiful state of Hawaii comes with its perks, but finding affordable car insurance can sometimes be a challenge. However, with some knowledge and research, you can see the best coverage at competitive prices.
Shopping Around for Quotes
One of the most effective ways to find cheap car insurance in Hawaii is to shop around and compare quotes from multiple insurance companies. Each company uses different algorithms to calculate rates, so getting quotes from various providers will help you find the most competitive prices.
When shopping around for quotes, you must provide accurate information about your driving history, car type, and desired coverage. This will ensure that the quotes you receive are as precise as possible.
Maintaining a Clean Driving Record
As mentioned, a clean driving record can lead to lower insurance rates. By obeying traffic laws, avoiding accidents, and practicing safe driving habits, you can keep your premiums affordable over time.
Another way to keep your premiums low is by taking defensive driving courses. Not only do these courses enhance your driving skills and knowledge, but they can also qualify you for additional discounts from insurance companies.
For those seeking extensive protection, exploring the best car insurance for comprehensive coverage can provide greater peace of mind and robust coverage options.
Remember, finding cheap car insurance in Hawaii requires patience and diligence. You can secure the best coverage at affordable rates by shopping around for quotes, taking advantage of discounts, and maintaining a clean driving record. So, get started today and enjoy the road ahead with peace of mind.
Top Affordable Car Insurance Company in Hawaii
When choosing an insurance company, consider factors such as customer service, coverage options, and pricing. For those prioritizing protection against accidents, researching the best car insurance for collision coverage is essential.
Here is the top car insurance company in Hawaii. Ready to find cheaper car insurance coverage? Enter your ZIP code below to begin.
Company A Review
Company A is known for its excellent customer service and competitive rates. It offers a wide range of coverage options tailored to Hawaii drivers’ needs. Its efficient claims process ensures that you’ll be back on the road quickly after an accident.
With Company A, you can have peace of mind knowing that their customer service representatives are available 24/7 to assist you with any questions or concerns.
Whether you need help to understand your policy or to file a claim, their knowledgeable and friendly team is there to guide you.
Schimri Yoyo Licensed Agent & Financial Advisor
Moreover, Company A understands the unique driving conditions in Hawaii, including the potential risks associated with volcanic activity and tropical storms.
They offer specialized coverage options to protect against these specific hazards, ensuring comprehensive protection for your vehicle.
Frequently Asked Questions
What should I do if I experience a car accident in Hawaii?
If you experience a car accident in Hawaii, ensure everyone is safe and call for medical assistance if necessary.
Then, exchange insurance information with the other party, document the scene with photos and report the accident to your insurance provider as soon as possible to initiate the claims process.
Can I find cheap car insurance in Hawaii even if I have a bad driving record?
While having a bad driving record may make finding cheap car insurance in Hawaii more challenging, it is still possible. Shopping around and comparing quotes from different insurance providers can help you find the best rates for your situation.
Finding cheap car insurance quotes is easy. Enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
What factors can affect the cost of car insurance in Hawaii?
Several factors can affect the cost of car insurance in Hawaii, including your age, driving record, the type of car you drive, your credit history, and the coverage options you choose.
Insurance providers also consider the frequency of accidents and thefts in the area where you live, which can impact your premiums.
To offset higher rates due to location, you can “Get Low-Cost Car Insurance with Driver Discounts,” such as safe driver discounts, low-mileage discounts, or even bundling options, which will help you reduce your overall costs.
Are there any discounts available for car insurance in Hawaii?
Yes, there are various discounts available for car insurance in Hawaii. These may include discounts for safe driving, bundling multiple policies, installing anti-theft devices in your car, being a good student, or completing a defensive driving course.
It’s recommended to inquire with insurance providers about the discounts they offer.
Can I get car insurance in Hawaii if I don’t own a car?
Yes, you can get car insurance in Hawaii even if you don’t own a car. Non-owner car insurance is available for individuals who frequently borrow or rent cars. It provides liability coverage and may offer additional optional coverages.
You can get instant car insurance quotes from top providers by entering your ZIP code below.
What is the cheapest car insurance available in Hawaii?
Geico offers the lowest rates at $22 monthly for cheap car insurance in Hawaii.
If you have a leased or financed vehicle, you may want to explore specialized coverage options, like “Car Insurance for Leased or Financed Car,” to ensure you meet the lender’s insurance requirements while still getting affordable rates.
How can I find reliable car insurance in Hawaii?
Compare providers like State Farm and Travelers, known for their competitive rates and reliable coverage.
Does Geico offer good coverage for Hawaii drivers?
Yes, Geico provides affordable rates and solid financial stability, making it a top choice for cheap car insurance in Hawaii. Enter your ZIP code now and get the cheapest prices.
What factors affect car insurance rates in Hawaii?
Key factors include your driving history, the make and model of your vehicle, and your age.
If you drive a high-performance vehicle, it’s crucial to look into “Auto Insurance for Sports Cars” specifically. Insurers often charge higher premiums for sports cars due to their increased risk and higher repair costs.
Are there discounts available for car insurance in Hawaii?
Many providers offer discounts for safe driving, bundling policies, or low mileage.
Enter your ZIP code below to compare cheap insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.