Cheap Hawaii Auto Insurance in 2024 (Get Low-Cost Coverage With These 10 Companies)

The best options for cheap Hawaii auto insurance are USAA, Geico, and State Farm, with rates starting as low as $16 per month.

Hawaii auto insurance is required for all residents of the island, but shopping for coverage can be confusing, and so can understanding auto insurance.

Understanding auto insurance is essential, and we have everything you need to know about Hawaii car insurance laws and coverage right here.

Our Top 10 Company Picks: Cheap Hawaii Auto Insurance

You should compare prices if you want to acquire affordable Hawaii auto insurance. To compare Hawaii auto insurance quotes, enter your ZIP code today.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#1 – USAA: Top Overall Pick

Pros

• Low Rates: Consistently low premiums, especially for those with good driving records. Offers A++ financial strength, ensuring reliability and trust. This makes USAA a top contender for anyone seeking cheap Hawaii auto insurance without compromising on coverage.
• Top Customer Service: High satisfaction ratings and reliable customer support, with a focus on serving military personnel. Rated best for “Exceptional Service” in Hawaii. USAA’s reputation for exceptional service adds value to its already affordable rates.
• Comprehensive Coverage Options: Offers a wide range of coverage tailored to military needs, including unique benefits like accident forgiveness. USAA’s reputation for quality service is unmatched in the industry. Read more through our USAA auto insurance review.

Cons

• Eligibility Restrictions: Only available to military members, veterans, and their families, limiting access. This exclusivity can be a drawback for those not eligible. This restriction might limit access to cheap Hawaii auto insurance for the general public.
• Limited Physical Locations: Fewer branches compared to other major insurers, which may inconvenience some customers. This could be a drawback for those looking for cheap Hawaii auto insurance with accessible in-person service.

#2 – Geico: Best for Low Rates

Pros

• Competitive Rates: Known for offering some of the lowest rates in the industry, starting at $22 per month in Hawaii. Rated A++ for financial strength, ensuring stability and reliability. Geico’s competitive pricing makes it a top choice for those seeking cheap Hawaii auto insurance.
• Wide Availability: Accessible in all 50 states with a strong online presence, making it easy to manage policies. Geico appeals to budget-conscious drivers. This accessibility ensures that drivers across Hawaii can easily access cheap Hawaii auto insurance.
• Discount Variety: Extensive discounts, including for good drivers, students, and military personnel. These discounts can make an already low premium even more affordable. Geico’s discount options further enhance its reputation for providing cheap Hawaii auto insurance.

Cons

• Limited Agent Network: Less personalized service due to reliance on online and phone support, which may not suit everyone. Customers who prefer in-person interactions might find this a disadvantage. This might deter those who seek cheap Hawaii auto insurance.
• Price Hikes: Rates may increase after the first policy term, especially if claims are made. This can catch customers off guard if they’re unprepared for potential premium increases. Find out in our Geico auto insurance review.

#3 – State Farm: Best for Wide Network

Pros

• Extensive Agent Network: Large network of agents providing personalized service, ensuring customers have easy access to support. State Farm’s agent network offers local assistance for those seeking cheap Hawaii auto insurance. Delve more through our State Farm insurance review.
• Bundle Discounts: Significant savings when bundling auto with home or life insurance, offering more value to customers. These discounts can help offset the slightly higher premiums. Bundling can make State Farm’s cheap Hawaii auto insurance even more affordable.
• Good Driver Rewards: Offers substantial discounts for safe driving over time, encouraging responsible driving habits. State Farm’s wide network means these benefits are accessible almost anywhere. These rewards enhance the value of cheap Hawaii auto insurance.

Cons

• Higher Premiums: Tends to have higher premiums compared to some competitors, with monthly rates starting at $23 in Hawaii. This might not be ideal for budget-conscious drivers. This could be a drawback for those strictly seeking the cheapest Hawaii auto insurance.
• Varied Service Quality: Customer service experience can vary depending on the agent, leading to inconsistent experiences. The wide network can sometimes lead to differences in service quality. Inconsistent service could detract from the overall value of Hawaii auto insurance.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#4 – Progressive: Best for Usage Discounts

Pros

• Usage-Based Discounts: Offers the Snapshot program that rewards safe driving with discounts, which can lower premiums significantly. With monthly rates starting at $29, Progressive is a solid mid-range option.
• Comprehensive Coverage Options: Includes unique coverages like pet injury protection, adding extra value. Rated A+ for financial strength, ensuring dependable coverage. Progressive offers versatile coverage options, even at its cheap Hawaii auto insurance rates.
• Online Tools: Robust online tools for comparing rates and managing policies, making it easy for customers to customize their insurance. Progressive is known for its innovation in this area. These tools make it simple to find and manage cheap Hawaii auto insurance policies online.

Cons

• Mixed Reviews: Customer service experiences can be inconsistent, which might affect overall satisfaction. Some customers report delays or challenges in the claims process. Read more through our Progressive insurance review.
• Rate Increases: Premiums can rise sharply after an accident or claim, which might offset initial savings. This is something to consider when choosing Progressive as your insurer. Such increases can undermine the benefits of initially cheap Hawaii auto insurance rates.

#5 – American Family Insurance: Best for Coverage Options

Pros

• Wide Range of Coverage: Offers a variety of coverage options tailored to individual needs, making it a versatile choice. It provides good value for those seeking comprehensive coverage. This variety ensures that cheap Hawaii auto insurance meets diverse needs.
• Family-Oriented Discounts: Discounts for multi-policy, good students, and safe drivers, helping families save more. These discounts enhance the affordability of cheap Hawaii auto insurance for families. Explore more discount options in American Family auto insurance review.
• Local Agents: Strong agent presence in many states, offering personalized service that large, impersonal companies often lack. This helps maintain customer satisfaction and trust. It ensures that you can access cheap Hawaii auto insurance with personalized support.

Cons

• Limited Availability: Not available in all states, restricting options for some customers who might otherwise prefer its coverage. This can be a significant drawback if you move to a non-covered area. Limited availability excludes some from accessing cheap Hawaii auto insurance.
• Average Mobile App: Mobile app functionality is decent but not as advanced as competitors, potentially limiting convenience for tech-savvy users. The app may lack some features that other insurers offer. This could be a downside for those who value tech-forward solutions.

#6 – Nationwide: Best for Competitive Rates

Pros

• On Your Side Review: Personalized annual insurance review to ensure proper coverage, adding a layer of security and confidence. With rates starting at $31/mo, it’s a competitively priced option. This review process ensures you the most out of your cheap Hawaii auto insurance.
• Strong Financial Ratings: Highly rated for financial stability, with an A+ rating, ensuring claims are paid without hassle. This makes Nationwide a dependable choice for long-term coverage which adds confidence when choosing Nationwide for cheap Hawaii auto insurance.
• Vanishing Deductible: Deductible reduces for every year of safe driving, rewarding responsible drivers. This can significantly lower out-of-pocket costs in the event of a claim. Look for more details through our Nationwide insurance review.

Cons

• Average Claims Process: The claims process can be slower compared to top competitors, which might frustrate customers needing quick resolutions. This is a downside for those who prioritize fast service. Delays could affect the overall value of cheap Hawaii auto insurance.
• Pricing: Not always the cheapest option, with rates starting at $31/mo, which might be higher than some competitors for similar coverage. This could be a consideration for budget-conscious drivers. Higher initial costs can deter those looking for cheap Hawaii auto insurance.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#7 – Farmers Insurance: Best for Safe Driver

Pros

• Safe Driver Discount: Significant savings for safe driving, rewarding customers who maintain clean records. Monthly rates start at $36, making it a mid-range option for Hawaii residents. This discount can make Farmers’ cheap Hawaii auto insurance accessible for cautious drivers.
• Comprehensive Coverage Options: Offers a wide range of coverage types, including rental car reimbursement and glass repair, ensuring drivers are well-protected. Farmers has a strong A rating for financial stability even within cheap Hawaii auto insurance plans.
• Good Customer Service: Generally favorable reviews for claims handling and customer support, making it a reliable choice for those who prioritize service. Farmers is known for its commitment to customer satisfaction. This quality adds value to cheap Hawaii auto insurance.

Cons

• Higher Premiums: Tends to be more expensive than some competitors, with rates starting at $36 per month. This might not suit all budgets, especially for drivers seeking the lowest possible rates. Read more through our Farmers auto insurance review.
• Limited Digital Tools: The online experience is not as advanced as other insurers, which could be a disadvantage for tech-savvy customers. The lack of a mobile app could be a concern and might reduce the appeal for those seeking tech-friendly cheap Hawaii auto insurance.

#8 – Allstate: Best for Discount Variety

Pros

• Wide Range of Discounts: Offers various discounts, including for safe drivers, new cars, and anti-theft devices, making it easier to reduce premiums. With rates starting at $43, discounts can significantly lower costs. Discover more through our Allstate insurance review.
• Comprehensive Coverage Options: Provides a variety of add-ons like accident forgiveness and new car replacement, offering extra protection. Rated A+ for financial strength, indicating reliability. These options add value to Allstate’s auto insurance, making it a better choice.
• Strong Financial Stability: High ratings for financial strength, ensuring claims are paid promptly and reliably. Allstate’s A+ rating reflects its solid reputation. This reliability adds confidence when choosing Allstate for cheap Hawaii auto insurance.

Cons

• Higher Rates: Starting rates are higher than many competitors, with premiums beginning at $43/mo, which might be a barrier for some. Budget-conscious drivers may find cheaper alternatives. This higher cost could deter those seeking cheap Hawaii auto insurance options.
• Mixed Customer Satisfaction: Varies by region, with some customers reporting issues with claims and service quality. Inconsistencies can lead to dissatisfaction among policyholders. These variations affect the value of Allstate’s cheap Hawaii auto insurance for customers.

#9 – Liberty Mutual: Best for Discount Opportunities

Pros

• Discount Opportunities: Offers various discounts, such as bundling policies or maintaining a claims-free record. These discounts can help offset its relatively higher starting rates of $47/mo. These opportunities make Liberty Mutual’s cheap Hawaii auto insurance more attainable.
• Flexible Coverage Options: Provides a wide range of add-ons like accident forgiveness and new car replacement, allowing for a customized policy. Liberty Mutual’s financial strength rating of A indicates reliable coverage of cheap Hawaii auto insurance.
• Reliable Financial Strength: Rated A for financial stability, ensuring dependable claims handling. This reliability is a key factor for those looking for long-term coverage. Strong financials provide peace of mind, even with cheap Hawaii auto insurance from Liberty Mutual.

Cons

• Premium Increases: Rates can increase significantly after claims, which might offset the initial appeal of their coverage options. At $47/mo, Liberty Mutual is already on the higher end. This potential rate hikes could reduce the appeal of Liberty Mutual’s cheap Hawaii auto insurance.
• Mixed Customer Service Reviews: Customer service experiences can vary widely, leading to potential frustration. This could detract from the overall value of Liberty Mutual’s cheap Hawaii auto insurance for some customers. Uncover more by reviewing Liberty Mutual auto insurance review.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#10 – Auto-Owners Insurance: Best for Strong Service

Pros

• Strong Service Reputation: Known for excellent customer service and agent relationships, making it a top choice for those who value personalized attention.  This strong service reputation is a key benefit for those seeking personalized cheap Hawaii auto insurance.
• Multi-Policy Discounts: Offers good savings when bundling multiple insurance products, which can help offset its higher premiums. Rated A++ for financial strength, indicating strong reliability. These discounts make Auto-Owners’ cheap Hawaii auto insurance more affordable.
• Financial Strength: Highly rated for financial stability and claims-paying ability, ensuring customers can trust in their coverage. This stability is crucial for those seeking long-term relationships with their insurer, adding security to its cheap Hawaii auto insurance options.

Cons

• Limited Availability: Not available in all states, restricting access for some customers who might otherwise benefit from their strong service reputation. This can be a significant drawback for potential customers.
• Traditional Approach: Limited online tools and resources, with a focus on agent interactions, which might not appeal to tech-savvy users. The higher rate of $135/mo can be a barrier, especially given the limited online convenience. Our Auto-Owners insurance review goes over this in more detail.

Essential Auto Insurance Requirements for Hawaii Drivers

In Hawaii, drivers must carry auto insurance to legally operate a vehicle. The state mandates minimum liability coverage of $20,000 per person and $40,000 per accident for bodily injury, and $10,000 for property damage.

Hawaii Auto Insurance Monthly Rates by Coverage Level & Provider

Additionally, drivers need $10,000 in personal injury protection (PIP), which covers injury-related expenses for themselves and their passengers.

Hawaii operates under a no-fault insurance system, meaning claims are made through your insurer rather than suing the at-fault driver. Optional coverages available include comprehensive, collision, rental car, roadside assistance, and uninsured/underinsured motorist coverage.

Average Premiums of Hawaii Auto Insurance

Hawaii offers some of the lowest auto insurance rates in the country, with an average premium of $1,140, which is about $300 below the national average. In Honolulu, rates are slightly higher at $1,225 due to its higher risk, while in Hilo, they average $1,160.

Insurance rates are influenced by various factors, including driving record, but Hawaii’s ban on gender-based pricing means gender won’t affect your rates (learn how age affects auto insurance rates).

With such affordable rates, consider investing in higher coverage amounts if your budget allows. Enter your ZIP code now.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Exploring Hawaii Auto Insurance’s Major Insurers

Hawaii enjoys some of the lowest auto insurance rates in the country, but rates can differ significantly between the largest insurance providers.

The largest insurers in Hawaii hold substantial market share, and their rates can provide a clearer picture of the options available. According to the Hawaii Insurance Department, understanding these variations will help you identify the most cost-effective and best auto insurance companies in the region.

Hawaii’s Traffic Safety Improvements

Hawaii has seen a decline in traffic fatalities, from 161 in 2006 to 109 in 2009, thanks to increased seat belt use and law enforcement efforts. Over half of those who died in crashes were not wearing seat belts.

Ensuring proper coverage, including property damage liability insurance, can further protect drivers and support efforts to reduce accident-related costs.

Auto thefts have also decreased significantly, with reported incidents dropping to 4,819 in 2009. This reduction in both crash fatalities and thefts is likely to contribute to lower auto insurance premiums in Hawaii. Enter your ZIP code today.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption