$29/mo
$30/mo
$30/mo
The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.
The car owners in Hawaii pays on an average of $805 for six months for car insurance, which is less than the national average. USAA offers cheap and the best rates in Hawaii.
USAA offers the cheapest liability coverage in Hawaii at $29/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Hawaii ↓
Island Insurance Group provides cheap full insurance coverage in Hawaii at $107/month, offering excellent value.
Read about the cheapest full coverage companies in Hawaii ↓
Island is the cheapest option after an at-fault accident in Hawaii at $40 per month.
Read more about best car insurance companies after at-fault accident in Hawaii ↓
Farmers was named the best overall by J.D. Power and AM Best, making it a top pick among Hawaii’s best car insurers.
Check out the full list of the best car insurance companies in Hawaii ↓For drivers looking to meet Hawaii minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Hawaii is widely available from providers like USAA at $29/month. If you opt for Progressive you will have to pay at least $57/month for your car insurance premium, which is the highest in Hawaii.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $172 | $29 |
| Island | $178 | $30 |
| Island Insurance Group | $178 | $30 |
| 21st Century | $244 | $41 |
| Farmers | $244 | $41 |
| State Farm | $303 | $51 |
| Allstate | $321 | $54 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Island Insurance Group offers the cheapest car insurance for full coverage in Hawaii at $107 per month. On the other hand Allstate offers the most expensive rate at $177 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Island Insurance Group | $630 | $107 |
| USAA | $630 | $106 |
| Farmers | $737 | $124 |
| 21st Century | $743 | $124 |
| Progressive | $796 | $134 |
| Island | $861 | $144 |
| State Farm | $897 | $151 |
Get Your Car Insurance Quote in Hawaii Instantly!
Farmers stands out as the best car insurance provider in Hawaii, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, State Farm is a top pick for drivers seeking value and reliability.
Farmers offers a six-month premium of $273, which amounts to approximately $46 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of State Farm is $297, which is higher than Farmers's by $24. Their higher monthly premium is, due to their strict policies on traffic violations.
Island Insurance Group's premium is $463, which is significantly more expensive than State Farm's by $166. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers | $273 | $46 |
| State Farm | $297 | $51 |
| Island Insurance Group | $463 | $78 |
| USAA | $576 | $98 |
| Progressive | $1063 | $177 |
Teens and young drivers in Hawaii often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Hawaii is
$653 for 6 months, which is less than the national average.
Tradewinds Insurance is the best options for cheap
car insurance for young drivers in Hawaii.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Tradewinds Insurance | $208 | $35 |
| Island Insurance Group | $398 | $67 |
| USAA | $463 | $78 |
| Farmers | $481 | $81 |
| State Farm | $618 | $104 |
| 21st Century | $743 | $124 |
| Progressive | $1117 | $188 |
Car insurance rates in Hawaii have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hawaii rose by $129 in Jan compared to $118 of Dec. In other words, there has been an increase by $11 when you compare Jan and Dec.
The average cost of liability insurance in the Hawaii dipped to $40 in Jan, compared to $41 in Dec. This represents an decrease of $1 when comparing Jan and Dec.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Island gives you the cheapest car insurance rate after an at-fault accident in Hawaii at $40/month. On the other hand Allstate is the most expensive option at $220/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Island | $238 | $40 |
| Tradewinds Insurance | $273 | $46 |
| USAA | $475 | $80 |
| Island Insurance Group | $541 | $91 |
| State Farm | $677 | $114 |
| Farmers | $867 | $146 |
| 21st Century | $1218 | $203 |
If you are living in Hawaii you should opt for Island Insurance Group. Island Insurance Group ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Hawaii, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Hawaii may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Hawaii after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $796 | $133 |
| One Med/PIP claim | $796 | $135 |
| Not-at-fault accident | $808 | $135 |
| One comp claim | $808 | $137 |
| Two comp claims | $808 | $135 |
| Two Med/PIP claims | $808 | $137 |
| Failure to wear a seat belt | $838 | $140 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Hawaii is Farmers at $119 per month. Island at $948 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers | $707 | $119 |
| Progressive | $921 | $155 |
| USAA | $933 | $157 |
| State Farm | $1093 | $184 |
| 21st Century | $1295 | $220 |
| Allstate | $2459 | $414 |
| Island Insurance Group | $5964 | $1014 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Honolulu | $719 | $121 |
| Pearl City | $849 | $143 |
| Waipahu | $855 | $144 |
| Anahola | $873 | $148 |
| Eleele | $873 | $146 |
| Hanalei | $873 | $148 |
| Hanamaulu | $873 | $146 |
| Hanapepe | $873 | $148 |
| Kailua | $873 | $147 |
| Kalaheo | $873 | $148 |
| Kapaa | $873 | $146 |
| Kaumakani | $873 | $148 |
