Cheapest Car Insurance in Hawaii (Compare Rates For 2022)

Cheapest Car Insurance in Hawaii.

Getting the right car insurance isn’t always as easy as it seems. This is especially true for anyone on a budget. That’s why we gathered information on the cheapest car insurance in Hawaii.

They have higher than average auto insurance rates compared to other U.S. states. Whether you’re 20, 25, 30, or 65+, you’ll find the cheapest for your age.

Auto insurance is a requirement in the state of Hawaii, so you will have to spend money on this type of insurance regardless.

Below, is all the necessary information about the cheapest car insurance in Hawaii.

Overview of the Cheapest Car Insurance in Hawaii

For Minimum Coverage: GEICO offers cheap auto insurance for minimum coverage at $426 annually or $35.5 a month.

Cheapest Full Coverage: GEICO also offers the cheapest full coverage car insurance at $500 a year or $41.67 a month. 

For Drivers With One At-Fault Accident: GEICO is the best option for drivers with one at-fault accident. Going with GEICO will cost you $693 a year or $57.75 per month.

Cheapest For Drivers With a DUI: Drivers with a DUI will pay $705 annually or $58.75 a month with State Farm.

For Drivers With a Speeding Ticket: GEICO offers the lowest priced auto insurance at $500 a year or $41.67 a month.

Cheapest For Drivers With Poor Credit: If you have poor credit, GEICO is the cheapest option for auto insurance. Getting GEICO insurance will cost you $500 a year or $41.67 per month.

We excluded USAA from these Hawaii insurance choices due to USAA only being available to those currently or previously involved with the military.

Cheapest Minimum Coverage Car Insurance in Hawaii

If you want the bare minimum coverage in Hawaii, these are the lowest rates:

Insurance CompanyAnnual RateMonthly Rate
USAA$380$31.67
GEICO$426$35.50
State Farm$557$46.42
Allstate$693$57.75
Farmers$859$71.58
Progressive$944$78.67

Cheapest Full Coverage Car Insurance in Hawaii

These are the rates you can expect in Hawaii if you want to be fully covered when driving:

Insurance CompanyAnnual RateMonthly Rate
USAA$440$36.67
GEICO$500$41.67
State Farm$645$53.75
Allstate$854$71.17
Farmers$980$81.67
Progressive$1,113$92.75

Cheap Car Insurance in Hawaii For Drivers With Previous Accidents

Accidents will likely result in your monthly insurance costs increasing. Getting in an accident in HI may include; speeding tickets, at-fault accidents, or DUIs.

Cheapest Hawaii Car Insurance With a Speeding Ticket

The cheapest car insurance in HI for a driver with a speeding ticket is either GEICO or USAA.

Insurance CompanyAnnual RateMonthly Rate
USAA$458$38.17
GEICO$500$41.67
State Farm$705$58.75
Farmers$980$81.67
Allstate$1,162$96.83
Progressive$1,402$116.83

Cheap Hawaii Auto Insurance With One At-Fault Accident

GEICO and USAA are the cheapest options when it comes to car insurance for HI drivers with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
USAA$539$44.92
GEICO$693$57.75
State Farm$764$63.67
Allstate$1,242$103.50
Farmers$1,429$119.08
Progressive$1,536$128.00

Cheap Hawaii Car Insurance With a DUI

USAA and State Farm each have cheap annual rates for HI drivers with a DUI.

Insurance CompanyAnnual RateMonthly Rate
State Farm$705$58.75
USAA$824$68.67
Progressive$1,664$138.67
GEICO$3,008$250.67
Allstate$3,053$254.42
Farmers$4,297$358.08

Related: Cheapest Car Insurance in New Jersey

Cheapest Auto Insurance For Hawaii Drivers With Poor Credit

If you’re located in Hawaii and have poor credit, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$440$36.67
GEICO$500$41.67
State Farm$645$53.75
Allstate$854$71.17
Farmers$980$81.67
Progressive$1,113$92.75

Cheapest Car Insurance For 20-Year-Old Drivers in Hawaii

Younger drivers typically have to deal with higher insurance costs. This is especially true for 20-year-olds in HI.

Cheapest Full Coverage Car Insurance For 20-Year-Old Hawaii Drivers

GEICO and USAA have the cheapest full coverage auto insurance for 20-year-olds in HI.

Insurance CompanyAnnual RateMonthly Rate
USAA$462$38.50
GEICO$525$43.75
State Farm$678$56.50
Allstate$896$74.67
Farmers$1,029$85.75

Cheapest Minimum Coverage Car Insurance in Hawaii For 20-Year-Old Drivers

The cheapest minimum coverage auto insurance for 20-year-olds is USAA and GEICO in HI.

Insurance CompanyAnnual RateMonthly Rate
USAA$399$33.25
GEICO$447$37.25
State Farm$585$48.75
Allstate$727$60.58
Farmers$902$75.17

Cheap Auto Insurance For 20-Year-Old Hawaii Drivers With Poor Credit

Here are the lowest annual and monthly rates for 20-year-old HI drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$462$38.50
GEICO$525$43.75
State Farm$678$56.50
Allstate$896$74.67
Farmers$1,029$85.75

Cheap Car Insurance For 20-Year-Old Hawaii Drivers With a Speeding Ticket

GEICO and USAA have the least expensive car insurance for 20-year-old HI drivers with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
USAA$480$40.00
GEICO$525$43.75
State Farm$741$61.75
Farmers$1,029$85.75
Allstate$1,220$101.67

Cheap Auto Insurance in Hawaii For 20-Year-Old Drivers With a DUI

Here are the cheapest car insurance prices for 20-year-olds with a DUI:

Insurance CompanyAnnual RateMonthly Rate
State Farm$741$61.75
USAA$866$72.17
Progressive$1,747$145.58
GEICO$3,159$263.25
Allstate$3,206$267.17

Cheap Car Insurance in Hawaii For 20-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and annual costs for 20-year-old drivers in HI with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
USAA$566$47.17
GEICO$727$60.58
State Farm$802$66.83
Allstate$1,304$108.67
Farmers$1,500$125.00

Cheapest Car Insurance For 25-Year-Old Drivers in Hawaii

25 is the age when HI auto insurance premiums start to decline quicker. This means living in Hawaii, you get to save more money on car insurance.

Cheapest Full Coverage Car Insurance For 25-Year-Old Hawaii Drivers

Here are the cheapest options for full coverage auto insurance for 25-year-olds in HI:

Insurance CompanyAnnual RateMonthly Rate
USAA$448$37.33
GEICO$510$42.50
State Farm$658$54.83
Allstate$871$72.58
Farmers$1,000$83.33

Cheapest Minimum Coverage Car Insurance in Hawaii For 25-Year-Old Drivers

GEICO and USAA has the cheapest minimum coverage auto insurance for HI 25-year-olds.

Insurance CompanyAnnual RateMonthly Rate
USAA$387$32.25
GEICO$434$36.17
State Farm$568$47.33
Allstate$707$58.92
Farmers$876$73.00

Cheap Auto Insurance For 25-Year-Old Hawaii Drivers With Poor Credit

25-year-old drivers with poor credit can use USAA or GEICO for the lowest annual and monthly rates.

Insurance CompanyAnnual RateMonthly Rate
USAA$448$37.33
GEICO$510$42.50
State Farm$658$54.83
Allstate$871$72.58
Farmers$1,000$83.33

Cheap Car Insurance For 25-Year-Old Hawaii Drivers With a Speeding Ticket

Here are the least expensive auto insurance options for 25-year-old HI drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$467$38.92
GEICO$510$42.50
State Farm$720$60.00
Farmers$1,000$83.33
Allstate$1,185$98.75

Cheap Auto Insurance in Hawaii For 25-Year-Old Drivers With a DUI

25-year-olds with a DUI have these options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
State Farm$720$60.00
USAA$841$70.08
Progressive$1,697$141.42
GEICO$3,069$255.75
Allstate$3,114$259.50

Cheap Car Insurance in Hawaii For 25-Year-Old Drivers With One At-Fault Accident

These are the least expensive car insurance yearly and monthly costs for 25-year-old drivers in HI with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
USAA$550$45.83
GEICO$707$58.92
State Farm$780$65.00
Allstate$1,267$105.58
Farmers$1,457$121.42

Cheapest Car Insurance For 30-Year-Old Drivers in Hawaii

Hawaii auto insurance prices in your 30s will be even cheaper compared to your teenage years and early to mid-20s.

Cheapest Full Coverage Car Insurance For 30-Year-Old Hawaii Drivers

Here are the cheapest car insurance options for 30-year-olds in HI that want to be fully covered:

Insurance CompanyAnnual RateMonthly Rate
USAA$440$36.67
GEICO$500$41.67
State Farm$645$53.75
Allstate$854$71.17
Farmers$980$81.67

Cheapest Minimum Coverage Car Insurance in Hawaii For 30-Year-Old Drivers

Here are the cheapest auto insurance rates for 30-year-olds in HI that want minimum coverage:

Insurance CompanyAnnual RateMonthly Rate
USAA$380$31.67
GEICO$426$35.50
State Farm$557$46.42
Allstate$693$57.75
Farmers$859$71.58

Cheap Auto Insurance For 30-Year-Old Hawaii Drivers With Poor Credit

These are the least expensive annual and monthly rates for 30-year-old HI drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$440$36.67
GEICO$500$41.67
State Farm$645$53.75
Allstate$854$71.17
Farmers$980$81.67

Cheap Car Insurance For 30-Year-Old Hawaii Drivers With a Speeding Ticket

Check out these HI insurance companies for cheap car insurance for 30-year-old drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$458$38.17
GEICO$500$41.67
State Farm$705$58.75
Farmers$980$81.67
Allstate$1,162$96.83

Cheap Auto Insurance in Hawaii For 30-Year-Old Drivers With a DUI

State Farm and USAA have the cheapest auto insurance prices for HI 30-year-olds with a DUI.

Insurance CompanyAnnual RateMonthly Rate
State Farm$705$58.75
USAA$824$68.67
Progressive$1,664$138.67
GEICO$3,008$250.67
Allstate$3,053$254.42

Cheap Car Insurance in Hawaii For 30-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and yearly costs for 30-year-old drivers in HI with one accident on record:

Insurance CompanyAnnual RateMonthly Rate
USAA$539$44.92
GEICO$693$57.75
State Farm$764$63.67
Allstate$1,242$103.50
Farmers$1,429$119.08

Cheapest Car Insurance For Hawaii Drivers Over 65 Years Old

Auto insurance prices in HI will vary depending on what you’re looking for and what your situation is as a 65-year-old driver.

Cheapest Full Coverage Car Insurance For Hawaii Drivers Over 65 Years Old

The cheapest full coverage auto insurance for HI drivers over 65 years old is GEICO and USAA.

Insurance CompanyAnnual RateMonthly Rate
USAA$440$36.67
GEICO$500$41.67
State Farm$645$53.75
Allstate$854$71.17
Farmers$980$81.67

Cheapest Minimum Coverage Car Insurance in Hawaii For Drivers Over The Age of 65

Here are all your options for getting cheap car insurance with minimum coverage in HI when you’re over 65 years old:

Insurance CompanyAnnual RateMonthly Rate
USAA$380$31.67
GEICO$426$35.50
State Farm$557$46.42
Allstate$693$57.75
Farmers$859$71.58

Cheap Auto Insurance For Hawaii Drivers Over 65 Years Old With Poor Credit

If you have poor credit in HI and are over 65 years old, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$440$36.67
GEICO$500$41.67
State Farm$645$53.75
Allstate$854$71.17
Farmers$980$81.67

Cheap Car Insurance For Hawaii Drivers Over 65 Years Old With a Speeding Ticket

If you have a speeding ticket and are over the age of 65, here are your options in HI:

Insurance CompanyAnnual RateMonthly Rate
USAA$458$38.17
GEICO$500$41.67
State Farm$705$58.75
Farmers$980$81.67
Allstate$1,162$96.83

Cheap Auto Insurance in Hawaii For Drivers Over The Age of 65 With a DUI

State Farm has the least expensive auto insurance for HI drivers over 65 years old with a DUI:

Insurance CompanyAnnual RateMonthly Rate
State Farm$705$58.75
USAA$824$68.67
Progressive$1,664$138.67
GEICO$3,008$250.67
Allstate$3,053$254.42

Cheap Car Insurance in Hawaii For Drivers Over 65 Years Old With One At-Fault Accident

If you don’t want to spend a lot on auto insurance but are over the age of 65 and have an accident on record, these are your options:

Insurance CompanyAnnual RateMonthly Rate
USAA$539$44.92
GEICO$693$57.75
State Farm$764$63.67
Allstate$1,242$103.50
Farmers$1,429$119.08

Hawaii Minimum Auto Insurance Requirements

The state of Hawaii has a list of requirements for the minimum amount of auto insurance a driver can have.

These requirements include:

  1. At a minimum; insured for $20,000 bodily injury liability per person and $40,000 for each accident.
  2. A total of $10,000 per crash for property damage caused by the vehicle.
  3. $10,000 per person and accident for personal injury protection.

Methodology For Choosing Cheapest Hawaii Auto Insurance

We compared rates from Hawaii auto insurance companies throughout the state. The rates we used are calculated for a 35-year-old male with a good credit score (690-719).

Other stats used for the calculated rates include:

Bodily Injury Coverage: $50,000

Overall Coverage: $100,000

Property Damage Coverage: $50,000

Age: 35 years old

Vehicle: 2020 Sedan

Number of Incidents: 0

Credit Score: Good (690-719)

Comprehensive and Collision Coverage: None

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