Best and Cheapest Car Insurance in Hawaii for 2024 (Save With These 10 Companies)

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#4
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The Hartford
4.15 ★★★★★
4.15 ★★★★★
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#5
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AAA
4.12 ★★★★★
4.12 ★★★★★
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#6
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4.10 ★★★★★
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#7
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4.09 ★★★★★
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#8
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4.06 ★★★★★
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#9
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Nationwide
4.04 ★★★★★
4.04 ★★★★★
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#10
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Metlife, Inc.
4.02 ★★★★★
4.02 ★★★★★
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#11
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Allstate
4.00 ★★★★★
4.00 ★★★★★
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#12
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4.00 ★★★★★
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#13
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3.93 ★★★★★
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#14
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3.83 ★★★★★
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#15
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3.72 ★★★★★
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#16
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3.71 ★★★★★
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#17
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3.55 ★★★★★
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#18
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Island Insurance
5.00 ★★★★★
5.00 ★★★★★
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#19
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Dtric Insurance
4.40 ★★★★★
4.40 ★★★★★
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#21
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#22
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Hagerty
3.86 ★★★★★
3.86 ★★★★★
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#23
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3.39 ★★★★★
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#24
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3.28 ★★★★★
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3.13 ★★★★★
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Rentalcover.Com
2.90 ★★★★★
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2.87 ★★★★★
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2.49 ★★★★★
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1.94 ★★★★★
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Dongbu Insurance
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USAA, Geico, State Farm: Best and Cheapest Car Insurance in Hawaii

USAA, Geico, and State Farm offer the best and cheapest car insurance in Hawaii, with rates as low as $16/month.

USAA, Geico, State Farm: Best and Cheapest Car Insurance in Hawaii

USAA is the top pick for military families, while Geico offers great rates for teens, and State Farm provides strong discounts for seniors. Check out our ranking of the top providers: Best Military Car Insurance: Companies and Discounts

Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
USAA TablePress Logo #1 $16 A++ Military Benefits USAA
Geico TablePress Logo #2 $22 A++ Senior Discounts Geico
State Farm TablePress Logo #3 $23 B Student Savings State Farm
Travelers TablePress Logo #4 $27 A++ Comprehensive Coverage Travelers
Progressive TablePress Logo #5 $29 A+ Roadside Assistance Progressive
American Family TablePress Logo #6 $30 A Multi-Policy Savings American Family
Nationwide TablePress Logo #7 $31 A+ Accident Forgiveness Nationwide
Farmers TablePress Logo #8 $36 A Bundling Policies Farmers
Allstate TablePress Logo #9 $43 A+ Loyalty Rewards Allstate
Liberty Mutual TablePress Logo #10 $47 A Personalized Policies Liberty Mutual

Each company delivers solid coverage, making them the best choices for Hawaii drivers seeking affordable, reliable car insurance.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool above to find the best policy for you.

What You Should Know

  • The best and cheapest car insurance in Hawaii starts at $16/month for all drivers
  • Offers great military benefits, making it the top pick for service members
  • Provide affordable options with competitive rates for teens and seniors in Hawaii

On this page:

#1 – USAA: Top Pick Overall

USAA: Best and Cheapest Car Insurance in Hawaii

Pros

  • Affordable Rates for Military Families: USAA provides competitive premiums tailored for military families residing in Hawaii, making it an economical choice.
  • Exceptional Customer Service: Hawaii military families have known about the outstanding USAA service long before arrival, making sure those needs are met.
  • Strong Coverage Options: USAA offers robust coverage choices that are well-suited for the unique driving conditions in Hawaii. Read more in our review of USAA.

Cons

  • Limited Eligibility: While USAA membership is restricted to military families, it only means that this specific offer from them doesn't apply to their civilian drivers in Hawaii.
  • Longer Claims Processing: Some Hawaii residents report slower claims processing times, especially for complex claims.

#2 – Geico: Best for Senior Discounts

Geico: Best and Cheapest Car Insurance in Hawaii

Pros

  • Competitive Senior Rates: Geico offers attractive rates for seniors in Hawaii, making it a cost-effective option for older drivers. See our ranking of the top providers: Best Car Insurance Companies for Seniors
  • Tailored Discounts for Hawaii’s Seniors: Seniors in Hawaii can benefit from specific discounts that reward safe driving and longevity with the company.
  • Robust Customer Support: Geico offers a full range of support including local agents that are accessible to Hawaii residents.

Cons

  • Not the Best for High-Risk Drivers: High-risk drivers may face elevated premiums or limited coverage options in Hawaii.
  • Additional Fees for Specialized Coverage: Hawaii seniors may also face additional costs for supplemental coverage that are not part of the policy.

#3 – State Farm: Best for Student Savings

State Farm: Best and Cheapest Car Insurance in Hawaii

Pros

  • Great Student Discounts: State Farm provides substantial discounts for students in Hawaii, making it an appealing option for young drivers, which you can learn about in our State Farm review.
  • Educational Resources for Hawaii Students: State Farm gives Hawaii students insights on how to get the most out of their driving experience, and take advantage of current laws in place for the state.
  • Strong Community Engagement: State Farm has a major presence in communities throughout the state, often co-sponsoring events and programs related to safe driving.

Cons

  • Claims Processing Delays: Some Hawaii homeowners say it takes longer for their claims to be processed through State Farm, especially in peak seasons.
  • Limited Discounts for Non-Students: Families in Hawaii that do not have student drivers may lose out on some cost savings relative to other providers.

#4 – Travelers: Best for Comprehensive Coverage

Travelers: Best and Cheapest Car Insurance in Hawaii

Pros

  • Excellent Comprehensive Options: Travelers has some of the best comprehensive coverage in the insurance business which is a major benefit for Hawaii residents who are worried about natural disasters.
  • Customizable Policies for Hawaii Drivers: Travelers allows for significant customization of policies, catering to the unique needs of drivers in Hawaii, which you can check out in our Travelers review.
  • Innovative Coverage Add-ons: Hawaii drivers can access special add-on coverage, like tropical storm protection.

Cons

  • Complex Policy Structures: Travelers’ policy structures may be more complex, making it harder for some Hawaii residents to understand their coverage.
  • Slower Claims Processing: Some Hawaii customers report delays in claims processing, particularly after major storms or events.

#5 – Progressive: Best for Roadside Assistance

Progressive: Best and Cheapest Car Insurance in Hawaii

Pros

  • Exceptional Roadside Assistance: Progressive provides dependable and specialized roadside assistance designed to address the unique driving scenarios experienced by Hawaii’s drivers.
  • Flexible Policy Options: Progressive provides various coverage options, allowing Hawaii residents to choose what fits their needs best. Find out more in our Progressive review.
  • User-Friendly Online Tools: The website and app make it easy for Hawaii residents to manage their policies and access roadside assistance quickly.

Cons

  • Mixed Customer Service Reviews: While many appreciate Progressive’s service, some Hawaii residents report inconsistent experiences.
  • Higher Rates for Young and Inexperienced Drivers: As is known, young drivers often find that they face increased premiums compared to many other firms, although this might be a disadvantage in the Hawaii insurance market.

#6 – American Family: Best for Multi-Policy Savings

American Family: Best and Cheapest Car Insurance in Hawaii

Pros

  • Attractive Multi-Policy Discounts: Hawaii residents can get even cheaper rates by bundling your car insurance with homeowners or renters insurance.
  • Strong Community Engagement: American Family takes part in local community events and safety efforts here, creating a sense of connectivity with its neighbors on the islands.
  • Flexible Payment Plans: The company offers various payment options, which is beneficial for budget management for Hawaii families, which you can read more about in our review of American Family.

Cons

  • Inconsistent Availability of Local Agents: Some areas in Hawaii may have limited access to local agents for personalized service.
  • Less Focus on Young Drivers: Policies may not provide as many benefits for young drivers compared to competitors.

#7 – Nationwide: Best for Accident Forgiveness

Nationwide: Best and Cheapest Car Insurance in Hawaii

Pros

  • Comprehensive Policy Options: Hawaii drivers can pick out individual, add-on policies to insure risks particular to the Aloha state.
  • Strong Customer Support Network: Nationwide offers an extensive support network to Hawaii residents, so there is always a helping hand on standby.
  • Discounts for Safe Driving: Safe drivers may qualify for significant discounts in Hawaii, lowering their costs. Discover our Nationwide review for a full list.

Cons

  • Mixed Customer Service Feedback: While many praise Nationwide, some Hawaii residents report inconsistent service experiences.
  • Complex Policy Structures: Some Hawaii customers find Nationwide’s policy structures complex, complicating the selection process.

#8 – Farmers: Best for Bundling Policies

Farmers: Best and Cheapest Car Insurance in Hawaii

Pros

  • Significant Savings With Bundled Policies: At Farmers, Hawaii consumers receive major price reductions when auto insurance is paired with a home or renters policy.
  • Community-Focused Initiatives: Farmers engages in local events and safety programs, contributing positively to Hawaii’s communities. Learn more in our Farmers review.
  • Flexible Payment Options: Farmers has several payment options to help Hawaii families afford their insurance policy.

Cons

  • Longer Claims Processing Times: Customers in Hawaii have reported delays in claims processing, particularly after major events.
  • Inconsistent Agent Experiences: While many enjoy their local agents, some have reported inconsistent service levels across Hawaii.

#9 – Allstate: Best for Loyalty Rewards

Allstate: Best and Cheapest Car Insurance in Hawaii

Pros

  • Educational Resources on Safe Driving: Allstate provides valuable information about safe driving practices specifically for Hawaii’s roads. For a complete list, read our Allstate review.
  • Strong Customer Support: Hawaii customers can rely on Allstate’s dedicated support for any insurance needs or inquiries.
  • Active Community Engagement: Allstate helps Hawaii residents through a variety of local events and safety programs, promoting the feeling that they're there to help.

Cons

  • Claims Processing Delays: Hawaii customers report delayed claim processing, even with unusually high volumes.
  • Inconsistent Agent Availability: Availability of local agents and therefore the level of service Hawaiian residents may receive does not remain consistent with territory-produced funds.

#10 – Liberty Mutual: Best for Personalized Policies

Liberty Mutual: Best and Cheapest Car Insurance in Alaska

Pros

  • Highly Customizable Policies: Liberty Mutual provides several customization options to match the specific needs of Hawaii drivers.
  • Innovative Coverage Add-Ons: Liberty Mutual provides coverage options for Hawaii-specific risks, including natural disasters and tropical storms. Read our Liberty Mutual review to learn what else is offered.
  • Flexible Payment Plans Available: Liberty Mutual Hawaii families can take advantage of paying over more than one for payment mode.

Cons

  • Complex Policy Terms: Hawaii customers can struggle with indecipherable policy terms due to the number of coverage choices available.
  • Limited Discounts for Non-Traditional Drivers: Some drivers in Hawaii may not qualify for as many discounts compared to competitors.

Affordable Car Insurance Options in Hawaii: Monthly Rate Comparisons

Finding affordable car insurance in Hawaii involves comparing monthly rates from various providers. Geico leads with the lowest rates at $22 for minimum coverage and $60 for full coverage, closely followed by USAA at $16 and $44, available for military families. Learn more in our Liability vs. Full Coverage: Car Insurance Explained.

Insurance Company Minimum Coverage Full Coverage
Allstate:Best and Cheapest Car Insurance in Hawaii $43 $118
American Family:Best and Cheapest Car Insurance in Hawaii $30 $82
Farmers:Best and Cheapest Car Insurance in Hawaii $36 $99
Geico:Best and Cheapest Car Insurance in Hawaii $22 $60
Liberty Mutual:Best and Cheapest Car Insurance in Hawaii $47 $128
Nationwide:Best and Cheapest Car Insurance in Hawaii $31 $84
Progressive:Best and Cheapest Car Insurance in Hawaii $29 $78
State Farm:Best and Cheapest Car Insurance in Hawaii $23 $64
Travelers:Best and Cheapest Car Insurance in Hawaii $27 $72
USAA:Best and Cheapest Car Insurance in Hawaii $16 $44

American Family offers rates of $30 for minimum and $82 for full coverage, while State Farm charges $23 and $64 respectively. Progressive rates start at $29 for minimum and $78 for full coverage. Farmers and Nationwide offer $36 and $31 for minimum coverage, respectively. Higher-end options include Allstate at $43 and $118 and Liberty Mutual at $47 and $128. You can compare these rates and find out which coverage policy is suitable for you.

Cutting Costs: Top Car Insurance Discounts Offered by Hawaii Insurers

Car insurance companies in Hawaii offer various discounts to lower premiums. Allstate has new car and multi-policy discounts, while American Family offers safe driver and early bird discounts. Farmers features multi-policy and good payer discounts, and Geico provides military and good driver discounts.

Insurance Company Available Discount
Allstate:Best and Cheapest Car Insurance in Hawaii New Car Discount, Anti-Theft Device Discount, Multi-Policy Discount, Smart Student Discount
American Family:Best and Cheapest Car Insurance in Hawaii Safe Driver Discount, Early Bird Discount, Multi-Car Discount, Steer into Savings Discount
Farmers:Best and Cheapest Car Insurance in Hawaii Multi-Policy Discount, Signal Program Discount, Affinity Group Discount, Good Payer Discount
Geico:Best and Cheapest Car Insurance in Hawaii Military Discount, Good Driver Discount, Anti-Lock Brakes Discount, Federal Employee Discount
Liberty Mutual:Best and Cheapest Car Insurance in Hawaii Hybrid Vehicle Discount, Accident-Free Discount, Pay in Full Discount, Safe Driver Discount
Nationwide:Best and Cheapest Car Insurance in Hawaii Family Plan Discount, SmartRide Program Discount, Good Student Discount, Defensive Driving Discount
Progressive:Best and Cheapest Car Insurance in Hawaii Paperless Billing Discount, Pay in Full Discount, Homeowner Discount, Multi-Policy Discount
State Farm:Best and Cheapest Car Insurance in Hawaii Steer Clear Discount, Multi-Vehicle Discount, Safe Driver Discount, Accident-Free Discount
Travelers:Best and Cheapest Car Insurance in Hawaii Hybrid Vehicle Discount, Good Student Discount, Early Quote Discount, Multi-Car Discount
USAA:Best and Cheapest Car Insurance in Hawaii Military Discount, Family Discount, Good Driver Discount, Safe Driver Discount

Liberty Mutual has hybrid vehicle and accident-free discounts, whereas Nationwide offers family plan and good student discounts. Progressive features paperless billing and homeowner discounts, while State Farm offers multi-vehicle and safe driver discounts. Travelers offers attractive discounts for students and those who receive early quotes, while USAA extends discounts for military personnel and their families. This can heavily reduce the cost you pay for car insurance. Additionally, what is a driving record and what does it track?

Best Budget-Friendly Car Insurance for Teen Drivers in Hawaii

Every age group, marital status, and other social factors have wildly different rates. That is not the only determinant of whether you can get auto insurance coverage—your driving record, credit score, and many other factors also play a role. It is possible to receive a quote customized for you using online calculators as well.

Below, we list what some of the largest insurance companies charge 18-year-old drivers in Hawaii for car insurance. Generally, women pay somewhat less than men. USAA has the cheapest rates for both genders, $56 for females and $63 for males, while Travelers offers higher prices, especially for males at $225. Other options include Geico, State Farm, and American Family, which also provide affordable rates for young drivers.

Insurance Company Age: 18 Female Age: 18 Male
Allstate: Best and Cheapest Car Insurance in Hawaii $138 $159
American Family: Best and Cheapest Car Insurance in Hawaii $89 $120
Farmers: Best and Cheapest Car Insurance in Hawaii $177 $186
Geico: Best and Cheapest Car Insurance in Hawaii $68 $78
Liberty Mutual: Best and Cheapest Car Insurance in Hawaii $162 $195
Nationwide: Best and Cheapest Car Insurance in Hawaii $92 $118
Progressive: Best and Cheapest Car Insurance in Hawaii $182 $204
State Farm: Best and Cheapest Car Insurance in Hawaii $71 $87
Travelers: Best and Cheapest Car Insurance in Hawaii $161 $225
USAA: Best and Cheapest Car Insurance in Hawaii $56 $63

This overview highlights the monthly costs for teen drivers, helping young individuals and families compare the best insurance options in Hawaii. Take a look at our list of the best providers: Cheap Car Insurance Companies for Teen Drivers.

Hawaii's Most Affordable Car Insurance for Married Couples

If you're a married couple in Hawaii looking for affordable car insurance, several companies offer competitive monthly rates. Here's a breakdown of some of the best and cheapest options available to help you find the right coverage. Take a look at our list of the best providers: Best Car Insurance Companies for Married Couples

Many insurance companies provide married couples in Hawaii with low-cost monthly premiums. USAA offers the lowest rate at $23, followed by Geico at $25 and State Farm at around $30. Travelers and American Family also have competitive rates at $31 and $38, respectively. Progressive and Nationwide offer rates of $40, while Farmers comes in slightly higher at $47. Allstate offers coverage for $51, and Liberty Mutual has the highest rate at $58. These rates are some of the most affordable and best car insurance options for married couples in Hawaii.

Insurance Company Rates
Allstate: Best and Cheapest Car Insurance in Hawaii $51
American Family: Best and Cheapest Car Insurance in Hawaii $38
Farmers: Best and Cheapest Car Insurance in Hawaii $47
Geico: Best and Cheapest Car Insurance in Hawaii $25
Liberty Mutual: Best and Cheapest Car Insurance in Hawaii $58
Nationwide: Best and Cheapest Car Insurance in Hawaii $40
Progressive: Best and Cheapest Car Insurance in Hawaii $40
State Farm: Best and Cheapest Car Insurance in Hawaii $30
Travelers: Best and Cheapest Car Insurance in Hawaii $31
USAA: Best and Cheapest Car Insurance in Hawaii $23

It is on the basis of these rates married couples can select the most affordable car insurance, which in turn means cost savings besides enhancing security during the drives by following Hawaii motor vehicle laws.

Cheapest Insurance Plans for Hawaii's Senior Citizens

The importance of obtaining inexpensive car insurance as a senior, particularly if you happen to be living in one of our favorite states like Hawaii. Differences are highlighted as the types of insurance move with you. For more mature drivers, insurance becomes harder to come by and balance. Monthly car insurance costs by company for 65-year-olds in Hawaii.

For senior citizens aged 65, various insurance companies offer competitive monthly car insurance rates in Hawaii. Allstate charges $43 for both females and males, while American Family offers rates of $29 for females and $30 for males. Farmers also provides coverage at $36 for both genders. Geico presents the most affordable option at $21 for both males and females, followed by State Farm at $23.

Insurance Company Age: 65 Female Age: 65 Male
Allstate: Best and Cheapest Car Insurance in Hawaii $43 $43
American Family: Best and Cheapest Car Insurance in Hawaii $29 $30
Farmers: Best and Cheapest Car Insurance in Hawaii $36 $36
Geico: Best and Cheapest Car Insurance in Hawaii $21 $21
Liberty Mutual: Best and Cheapest Car Insurance in Hawaii $45 $46
Nationwide: Best and Cheapest Car Insurance in Hawaii $30 $30
Progressive: Best and Cheapest Car Insurance in Hawaii $30 $28
State Farm: Best and Cheapest Car Insurance in Hawaii $23 $23
Travelers: Best and Cheapest Car Insurance in Hawaii $26 $26
USAA: Best and Cheapest Car Insurance in Hawaii $16 $16

Liberty Mutual has rates of $45 for females and $46 for males, and Nationwide offers a uniform rate of $30 for both. Progressive charges $30 for females and $28 for males, Travelers lists their rate at $26 for both genders, and USAA provides the lowest premium at $16 for both. These rates reflect some of the best and cheapest options available for senior drivers in Hawaii.

These monthly rates highlight the competitive options available to senior citizens in Hawaii. By taking these rates into account, seniors can make educated choices to get the best value for their car insurance while exploring the beautiful landscapes and rich culture of the islands, along with six ways to save on senior driver car insurance.

The Effects of No-Fault Insurance Laws on Auto Policies in Hawaii

In the state of Hawaii, drivers are required to have liability and personal injury protection through their auto insurance. Drivers must also carry uninsured/underinsured motorist (UI/UI) coverage for bodily injury, although the policy can have this UI/UI declined in writing. This raises the question, "How much Bodily Injury Liability is Needed?"

Personal Injury Protection: Best and Cheapest Car Insurance in Hawaii

This means that if you get into an auto accident, a low-cost car insurance would only have to pay up until your collision and uninsured/underinsured limits. The insurance companies would then negotiate payment. To do so would mean waiting on the other party's insurance if you don't have collision coverage.

If you were at fault, the state minimum coverage will typically cover basic injuries and auto damages to other parties. If you were at fault, then both your PIP limits and also the collision coverage will be limiting how much insurance expects to pay out. If you carry at least this minimum amount of coverage, such laws ensure that no one can sue you, unless the other party suffers significant injuries not covered by your insurance.

However, there is an exception. If your injuries are above $5,000 or they fall below an impairment threshold, you have the right to claim damages from the driver whose fault it was. Unlike property damage liability, which covers your car if damaged during an accident caused by another party (with minimum property coverage), PIP protects only injuries.

Traffic incidents and insurance claims significantly influence the driving experience and safety in various cities. The following data highlights the annual accidents and claims across several key cities in Hawaii.

City Accidents per Year Claims per Year
Hilo 1,100 850
Honolulu 2,500 1,800
Kahului 1,200 950
Kailua 900 700
Kaneohe 950 720
Kapolei 750 600
Lahaina 600 480
Lihue 500 400
Pearl City 800 650
Waipahu 1,000 780

Their statistics have revealed how residents of cities from the bright lights and gridlocked streets of Honolulu suffer a very different range road safety tribulations in quieter Lahaina, Hawaii. This is vital information for drivers, insurers and policymakers who want to create safe roads as well as control the costs of insurance.

Uninsured vs. Underinsured Coverage: Their Role in Shaping Average Insurance Costs

Consistent with federal law, Hawaii car insurance companies must provide uninsured/underinsured motorist coverage. This will protect you in the case of injuries suffered by either yourself or your passengers when involved in an accident and struck by a driver that is under-insured, or has no auto insurance, or caused by a hit-and-run accident.

You might say: isn't that what my PIP would pay for? Compensation: Yes, insofar as your policy covers. The additional costs would be on you if you exhausted all of those limits and waived uninsured/underinsured motorist coverage. PIP coverage limits usually match your collision, comprehensive, etc. limits.

The review outlines specific challenges that insurance faces in this region. Uninsured Driver Rate—B+: The Uninsured Driver rate is scored as an A, equating to above-average cost of this risk. B+: Weather-Related Risks – Each sector receives moderate risk from tropical storms, but mixed conditions are likely.

Category Grade Explanation
Uninsured Drivers Rate  B+ Lower than average rate of uninsured drivers
Weather-Related Risks  B+ Moderate risk from tropical storms, but generally stable
Average Claim Size B Claims are average compared to national standards
Traffic Density B Traffic is moderate but can be heavy in urban centers
Vehicle Theft Rate  C+ Vehicle theft is higher than average in certain areas

Average Claim Size: B — Claims are close to the national average. Traffic: B – Light rush hours, dense only in urban areas. The Vehicle Theft Rate, meanwhile, receives a grade of C+, which means this type of crime is more frequent in some regions than the national average.

So it's important to think about getting more coverage than state minimums, because they probably wouldn't protect you in a large accident. When you decide to purchase a policy, consider whether it includes additional optional coverage such as collision and comprehensive. Click here to read more about different types of car insurance coverages, and what the limits entail.

Here is a list of Hawaii's minimum coverage requirements:

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $25,000 per accident

Bodily injury liability covers injuries to the other vehicle's driver and passengers when you're at fault. This insurance also protects you against lawsuits.

USAA: Best and Cheapest Car Insurance in Hawaii

Property damage liability covers damage to the property of any party affected by an accident you are at fault for. This is usually the other car, but can also include things like a house or fence. Since the minimum insurance requirements don't provide much protection, it's wise to add more coverage.

Essential Coverage Options for Living in Hawaii

Once you have purchased the minimum legally required amount of coverage, it is up to you to decide how much auto insurance will be enough in your situation. A lot of people opt for collision coverage, which covers the policyholder's damage following fault accidents. Collision and comprehensive coverage are frequently bundled together in car insurance.

Collision coverage covers damage from an auto wreck with another car or a stationary object, and comprehensive includes non-collision dangers like branches falling out of trees onto your vehicle after new wiper blades installation in Phoenix, weather-related incidents (such as hail storms), theft or vandalism. To put it this way, the variances in car insurance policies can be listed as "Collision vs. Comprehensive Coverage."

The financial impact of different types of insurance claims is important to both the insurer and policyholder. This overall chart shows the percentage of total claims and average cost by type comprised collision, comprehensive, bodily injury, property damage, uninsured motorist.

Claim Type Portion of Claims Cost per Claim
Collision 35% $4500
Comprehensive 25% $2800
Bodily Injury 15% $18000
Property Damage 20% $3200
Uninsured Motorist 5% $22000

Stakeholders can derive a lot of useful information from these numbers to assist in making more informed decisions and adopting better risk management strategies related to insurance coverage.

While car insurance is certainly a huge expense, almost every insurer has some kind of discount that can save drivers money. Any models of obviously the premium discounting for a wide coverage will find that, and this is where drivers go to know how much their discounts have.

Discount Name Grade Savings Participating Providers
Safe Driver A 20% State Farm, Geico, Progressive, Allstate
Accident-Free A 18% Geico, State Farm, Allstate, USAA
Defensive Driving A 15% Progressive, Geico, Allstate, The Hartford
Military A 12% USAA, Geico, Allstate
Bundling  A- 15% Nationwide, Allstate, Liberty Mutual, USAA
Paperless Billing  A- 5% State Farm, Geico, Progressive, Allstate
Multi-Vehicle  B+ 12% State Farm, Allstate, Farmers, Progressive
Anti-Theft Device  B+ 10% Liberty Mutual, Nationwide, State Farm, Allstate
Good Student B 10% Geico, State Farm, Liberty Mutual, USAA
Early Signing B 7% Nationwide, Progressive, Liberty Mutual

This list will further demonstrate the different discounts and their grades, potential savings, and offerors. Opportunities include everything from safe driving to bundling policies, giving consumers the chance to gain savings and make informed decisions about their insurance provider.

How do personal injury protection and medical payments coverage pay for accident-related expenses? This covers a rental car while your own vehicle is at the shop.

And you will be left to cover the difference between what is owed on your auto loan and the present-day vehicle value unless you have gap insurance in place. Accident forgiveness is an optional coverage that, if available, will let you get into one accident before your car insurance rates go up.

The Factors Behind Hawaii's Auto Insurance Rates

It is difficult to determine how your auto insurance rates are calculated in Hawaii, which can be frustrating when you need to get the best car insurance. While the formula every car insurance company uses is subjective and there is no one-size-fits-all, this post still covers a number of factors that influence those premiums. Factors that go into car insurance rates include:

  • Age, Gender, and Marital Status
  • Driving Record and Mileage
  • Location and Credit Score
  • Car's Make, Model, and Year
  • Types of Car Insurance Coverages

A common misconception is that your neighbor's driving record may somehow affect you with higher premiums. For instance, you could have a good two-year record without any mishaps, but rising local crashes might still see your rates go up. Why does this happen? This is important to consider alongside the five steps to take after a car accident.

By spreading risk among all policyholders, insurance companies can guarantee they have enough funds to cover the costs of claims when necessary. But what if they only raised prices for those drivers involved in an accident? Drivers with costly claims would not be able to afford their rates rising based on how much an insurance company had to pay out after they crashed. Therefore, insurance firms simply raise everyone's rates a little to compensate for the losses, then penalize only the at-fault driver with an extra surcharge.

However, drivers with a spotless driving history and great credit will still find the most affordable rates. If you have bad credit or a history of traffic violations, be sure to ask your insurance provider about auto insurance discounts.

After all, everyone wants to have what is possibly the best policy backed by one of the top Hawaii automobile insurance firms and not pay too much. Typically, a national average is taken from large companies. In some cases, local companies can offer rates or coverage that are much more affordable for things depending on the driver and situation.

BQ: Best and Cheapest Car Insurance in Hawaii

No one likes to give up quality over a couple of dollars, but there are ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies.
  • Consider raising your deductibles.
  • Pay your car insurance policy in full.
  • Try usage-based car insurance.
  • Shop for better insurance rates.

One of the top ways customers have saved money on car insurance rates is by receiving quotes from as many auto insurance firms beforehand of using out on an exclusive coverage which assist them.

Ranking the Best Car Insurance Providers in Hawaii: The Clearsurance Method

In keeping true to its mission of transparency, Clearsurance does not hide rating and ranking formulas behind a black box. Our algorithm processes inputs across a wide range of sources from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

And, such percentage is also adjusting by the algorithm to calculate how much of what customers are saying that the company does well vs. because you know there would be always something wrong especially from perceiving things wrong perspective.

Finding affordable car insurance might appear straightforward, as many individuals focus solely on the yearly premium. However, it’s essential to also consider the expenses related to claims and liability when evaluating the actual cost of inexpensive car insurance. How does my credit score affect my insurance premium? This is an important factor, as credit plays a fairly big part in what your overall insurance rates.

Your Guide to Car Insurance: What You Should Be Aware Of

Whether you are buying your insurance direct or through an agent, you should know these different types of car insurance coverage. What Does Comprehensive Coverage Cover? Do you know about uninsured motorist coverage? But do you know how a deductible works?

Read our car insurance guide to know everything about your coverage. Want to learn more about car insurance? See our car insurance blog for more information and topics related to car insurance.

No need to overpay for your coverage. Our free quote comparison tool allows you to shop for quotes from the top companies near you by entering your ZIP code below.

Frequently Asked Questions

How can I find cheap car insurance in Hawaii?

Hawaii residents can find cheap car insurance by shopping around among companies for the best rates and applying discount offerings (safe driver, multi-policy). The best way to do this is by looking online for Hawaii car insurance quotes.

How much is car insurance in Hawaii?

The car insurance cost in Hawaii will depend on factors like your driving record, age and coverage needs. Full coverage usually will run between $70–$150/mo. If you need to find insurance coverage now, start comparing rates by entering your ZIP in our free comparison tool below.

What is the minimum car insurance in Hawaii?

The minimum car insurance in Hawaii includes liability coverage for bodily injury ($20,000 per person/$40,000 per accident) and property damage liabilty insurance ($10,000). Additionally, personal injury protection (PIP) of $10,000 is required. You can opt for additional coverage to further protect yourself.

Which are the best car insurance companies in Hawaii?

The best insurance companies in Hawaii include USAA, Geico, and State Farm, which are highly rated for their affordability, customer service, and coverage options. Be sure to compare their policies to find the one that best suits your needs.

What are the Hawaii car insurance requirements?

In Hawaii, car insurance rules stipulate that you need bodily and property damage liability coverage as well as personal injury protection (PIP). Uninsured and underinsured motorist coverage is also offered, but that option is waivable in writing.

How much does car insurance cost in Hawaii for full coverage?

The best car insurance for full coverage in Hawaii typically costs between $80 and $150 per month, depending on the insurer and coverage details. Full coverage includes liability, collision, and comprehensive insurance coverage.

What factors affect the average cost of car insurance in Hawaii?

The way it goes together depends on your driving history, age and also the kind of car you own — even potentially including your credit score. The cost may also vary based on wherever the well insured to be covered is situated within Hawaii and what they have paid for being coated.

What discounts are available for Hawaii car insurance?

Discounts are another way you can get discounts for Hawaii car insurance, as many companies provide reductions in premiums to safe drivers, good students, and policyholders who have multiple policies or a history of no accidents. Through utilizing these discounts, you can admit a discount on your premium.

Where can I get the best car insurance quotes in Hawaii?

You can obtain Hawaii car insurance quotes from various online platforms or directly from providers like Geico, USAA, and State Farm. Comparing quotes from these companies can help you find the best and cheapest car insurance rates aloha.

What are Hawaii’s car insurance laws?

By law, drivers in Hawaii must carry a certain minimum of liability and PIP coverage for auto insurance. Alabama is a no-fault state, which means your insurance company pays for medical injuries and lost wages without having to determine who was at fault. You have the option to add on coverages such as comprehensive and collision for added protection. Use our free quote comparison tool below to find the cheapest coverage in your area.

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