10 Best Auto Insurance Companies in Hawaii 2025

The best auto insurance companies in Hawaii are AAA, Geico, and Progressive. At $29 per month, Geico is the cheapest car insurance option in Hawaii.

Geico offers the most affordable rates. AAA excels in local service and roadside assistance, while Progressive stands out for its digital tools.

Together, these providers meet a wide range of coverage needs for Hawaii drivers by offering flexible policy options, competitive pricing, and access to both digital tools and local agent support.

Top 10 Companies: Best Auto Insurance in Hawaii

This article compares the average cost of auto insurance by age, city, credit score, and driving history to help you find the right provider.

No matter your coverage needs, you can find the lowest rates available by entering your ZIP code into our free quote comparison tool.

Compare Auto Insurance Rates in Hawaii

With average minimum rates of $29 per month and $65 per month for full coverage, Geico provides the cheapest car insurance in Hawaii.

Progressive car insurance in Hawaii, at $32 per month, stands out for flexible coverage and the best auto and home insurance bundles.

Hawaii Auto Insurance Monthly Rates by Coverage Level

AAA costs slightly more at $38 a month, but is known for its excellent customer service and local support. It also has several additional perks and services, such as roadside assistance, for Hawaii drivers who buy full coverage.

Driver Age Impacts Hawaii Insurance Rates

Geico car insurance in Hawaii offers the most affordable rates regardless of age.

When you are 18 years old, you only pay $51 monthly, and $29 per month at 45 years old with Geico, which is quite affordable for drivers in the state.

Hawaii Auto Insurance Monthly Rates by Age

Progressive is a little more expensive, starting at $63 per month for 18-year-olds and declining to $32 per month at age 45, but it offers good value thanks to its flexible policy, useful online tools, and savings potential.

AAA’s rates range from $59 per month at 18 to $38 at 45, with strong service and Hawaii support, while Geico offers the cheapest car insurance, and Progressive and AAA provide flexible coverage.

Hawaii Auto Insurance Rates by City

Auto insurance rates by state show that Hawaii’s rates vary by city due to local factors like traffic, accidents, and repair access.

For instance, Pahala drivers pay the lowest rates at $30 per month for minimum coverage and $118 for full coverage.

Lanai City rates are $32 and $124 a month, likely due to higher repair costs, while Lihue tops at $33 and $126 a month from more traffic and commercial activity.

Always compare Hawaii auto insurance quotes by ZIP code to find the most affordable company in your area.

Driving Record Affects Car Insurance Rates in Hawaii

Geico offers the most affordable auto insurance in Hawaii, with rates starting at $29 per month for a clean record.

Geico car insurance in Hawaii stays low even after violations, including $35 a month for one accident and $56 a month for a DUI.

Hawaii Auto Insurance Monthly Rates by Driving Record

Progressive offers comprehensive auto insurance, flexible coverage, discounts, and tools like Snapshot at $32 per month for clean records.

Progressive also stays affordable after a ticket or single accident, but rates double for a DUI.

High-risk car insurance in Hawaii is less expensive than in other states, but you will still see your rates rise if you have a less-than-perfect driving history.

AAA, though pricier at $38 per month for a clean record and $82 per month after a DUI, offers excellent service and member perks.

Credit Score Affects Auto Insurance Rates in Hawaii

In Hawaii, drivers with excellent credit can purchase the cheapest auto insurance, with Geico offering the lowest rates across all credit levels.

Even those with poor credit may still receive some of the most affordable rates with Geico at $88 per month.

Hawaii Auto Insurance Monthly Rates by Credit Score

Progressive, one of the best car insurance companies, starts at $32 per month for excellent credit but rises to $101 per month for poor credit.

AAA costs a little less for drivers with bad credit, but Hawaii drivers with poor credit pay the most.

 

If your credit score recently took a hit, start comparing Hawaii car insurance companies to find a better rate.

Geico and Safeco are the only two companies that cost less than $90 a month, so it’s important to compare providers to find the best price.

Minimum Hawaii Car Insurance Requirements

In order to drive legally, every Hawaii driver is required to have car insurance that meets the state’s minimum coverage requirements.

As a no-fault state, each driver’s insurance takes care of his or her own medical bills regardless of who was at fault. The minimum Hawaii auto insurance requirements include:

• $20,000 bodily injury liability per person
• $40,000 bodily injury liability per accident
• $10,000 property damage liability per accident
• $10,000 personal injury protection (PIP) per person

This system helps reduce lawsuits for minor accidents, but makes it crucial to have sufficient personal injury protection (PIP) coverage.

These minimums cover injuries, property damage, and medical expenses, but may fall short in serious accidents.

Meeting Hawaii’s minimum insurance requirements is a good start, but these limits may not cover major accidents. Consider adding optional coverages or higher limits for better protection.

Hawaii Car Insurance Coverage Options

Hawaii drivers can choose from various coverage types, including full coverage auto insurance, to stay protected on the road. Some are required by law, while others offer added financial security.

• Liability Coverage: Required in Hawaii and covers bodily injury that you cause to other people and property damage caused in an accident.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by an at-fault driver who lacks or has inadequate insurance.
• Roadside Assistance: Covers services like towing, jump starts, flat tire changes, and lockouts.
• Medical Payments Coverage (MedPay): Optional in Hawaii and a way to have your medical bills paid even if not included in PIP.
• Personal Injury Protection (PIP): Also required, this pays for your own medical expenses after an accident, regardless of fault.

Uninsured motorist coverage protects you if you’re unlucky enough to be hit by an underinsured driver. You can also add options like roadside assistance, rental reimbursement, and wage loss for extra protection.

Knowing what you have is the first step in becoming equipped to customize your policy around both your lifestyle and driving habits. Choosing the right mix of required and optional protections ensures peace of mind every time you drive in Hawaii.

How to Save on Hawaii Auto Insurance

Affordable car insurance in Hawaii depends on both your provider and the discounts you qualify for.

Beyond bundling and safe driving, there are other easy ways to lower your premium. Here are the top discounts and extra tips to help you save.

Top Auto Insurance Discounts in Hawaii

Taking advantage of multiple discounts is a smart way to lower your monthly auto insurance costs without reducing coverage.

From bundling policies to improving your credit or driving less, small changes can add up to big savings over time.

• Maintain Good Credit: Hawaii insurers consider credit when setting rates, so keeping a high score can help lower your monthly premiums.
• Take a Defensive Driving Course: Completing a state-approved safety course may earn discounts, especially for young or high-risk drivers.
• Enroll in Paperless Billing or Auto-Pay: Going paperless and setting up auto-pay can earn small discounts and help avoid missed payments.
• Pay Premiums in Full: Paying your policy in a lump sum instead of monthly can qualify you for a paid-in-full discount.
• Limit Your Annual Mileage: Driving less may make you eligible for low-mileage discounts if you’re in a lower-risk category.

Many of these discounts are easy to get but aren’t applied automatically, so it’s important to ask your insurer. Updating your profile, confirming mileage, or opting for paperless billing can often unlock hidden savings.

Small changes like updating your policy or using the best defensive driving insurance discounts can lead to big savings, helping you meet Hawaii’s insurance requirements while staying within budget.

Top 10 Companies for Auto Insurance in Hawaii

The top five auto insurance providers in Hawaii are State Farm, Geico, Progressive, Allstate, and Farmers (Read More: State Farm vs. Farmers, Geico, Progressive, and Allstate Review).

These popular Hawaii car insurance companies dominate the market due to their relatively low cost, customer service experience, and all-around coverage options.

State Farm car insurance in Hawaii has a wide agent network and reliable support. Geico offers low monthly prices and a convenient website and mobile app, while Progressive provides unique coverage and discounts based on utilization.

Compare the best car insurance companies in Hawaii to see if one of the popular providers or another insurer on this list works out for you.

#1 – AAA: Top Overall Pick

Pros

• Roadside Assistance Included: As a Hawaii member, you get 24/7 towing, jump starts, and flat tire help, offering peace of mind across the islands.
• Local Agent Network: AAA has Hawaii-based clubs offering local offices and in-person support. Read our AAA auto insurance ​review for more.
• Membership Bundle Value: Combining your Hawaii auto policy with AAA membership perks (travel discounts, hotel/auto clubs) adds value beyond just insurance.

Cons

• Membership Fee Required: Most AAA membership benefits in Hawaii are only available after paying the AAA club membership fee in addition to your insurance premium.
• Higher Base Premiums: While Hawaii’s average full coverage monthly rate is $126, AAA policies may cost more for comparable profiles.

#2 – Geico: Best for Cost Savings

Pros

• Lowest Monthly Rates: Hawaii drivers pay as little as $29 per month for minimum coverage with Geico, making it the most budget-friendly option in the state.
• Affordable Full Coverage: Geico offers full coverage in Hawaii for $65 a month or more, which is more cost-effective than alternatives like AAA.
• Consistent Low-Credit Pricing: Geico charges Hawaii drivers with poor credit about $88 per month, versus $100+ elsewhere. Check out our Geico insurance review for insights.

Cons

• Limited Local Agents: Geico operates mostly online, so Hawaii drivers who prefer in-person service may miss the local support offered by companies like State Farm or AAA.
• Fewer Policy Customizations: Drivers in Hawaii may find Geico’s cheaper plans offer fewer add-on options than those from more flexible providers like Progressive.

#3 – Progressive: Best for Online Tools

Pros

• Quick Digital Quotes: Hawaii drivers can get online quotes starting at $32 per month for clean records. Read our Progressive auto insurance review for full details.
• Easy Policy Management: Progressive’s app lets Hawaii policyholders manage billing and coverage anytime, ideal for those paying about $72 per month for full coverage.
• Online Claims Filing: Drivers in Hawaii can submit and track claims digitally, helping speed up the process and potentially reducing rates to $79 per month post-DUI.

Cons

• Generic Coverage Suggestions: Online platforms may not consider exclusive Hawaii features such as inter-island travel, limited fix possibility, or seaside hazards.
• Discounts Not Auto-Applied: Progressive shows potential savings online, but many Hawaii drivers must manually request or confirm discount eligibility to access lower rates.

#4 – State Farm: Best for Top Service

Pros

• Reliable Claims Support: State Farm offers reliable claims handling in Hawaii at about $71 per month for full coverage. Learn more in our State Farm auto insurance review.
• Strong Brand Trust: Many Hawaii drivers stick with State Farm long-term, valuing loyalty perks while paying around $40 per month with a clean record.
• Wide Policy Options: Hawaii customers can customize coverage across autos, homes, and more, often bundling to save up to 17%.

Cons

• Slower Quote Process: Hawaii drivers are likely to obtain a quote but may experience delays, especially when inquiring with in-person agents rather than online tools.
• Not Ideal for Minimalists: Drivers wanting basic, no-frills policies may find State Farm’s coverage and structure more than they need.

#5 – Allstate: Best for Coverage Variety

Pros

• Flexible Coverage Options: Hawaii drivers can add features such as accident forgiveness and sound system protection, with minimum coverage starting at around $39 per month.
• Strong Bundling Potential: Allstate offers auto and home bundling discounts, averaging $84 per month for full coverage. Find the full list in our Allstate insurance review.
• Custom Deductibles: Customers can also change their deductibles to save money, allowing customers with decent credit to pay $62 every month to reduce their out-of-pocket expenses.

Cons

• Higher Premiums: Allstate’s rates are above average for many Hawaii drivers, with full coverage premiums reaching around $104 per month for drivers with poor credit.
• Discount Complexity: Navigating multiple savings tiers and optional add-ons can be overwhelming for Hawaii drivers who prefer simpler pricing.

#6 – Farmers: Best for Flexible Plans

Pros

• Flexible Policy Options: Farmers offers customizable coverage for Hawaii drivers, with minimum coverage starting at $37 per month and full coverage averaging $82 per month.
• Strong Multi-Policy Savings: Hawaii drivers bundling auto and home or renters insurance can get below-average discounts. Find more in our Farmers insurance review.
• Good Credit Benefits: Hawaii drivers with excellent credit can see rates as low as $37 per month, making Farmers competitive for financially responsible policyholders.

Cons

• Above-Average Full Coverage: Farmers’ full coverage rates in Hawaii, averaging $82 per month, are higher than Geico’s $65 per month.
• Remote Repair Costs: Some Farmers customers in Hawaii report higher repair-related expenses, especially on less-populated islands where service providers are limited.

#7 – Mercury: Best for Budget Drivers

Pros

• Budget-Friendly Rates: Hawaii drivers can find minimum coverage with Mercury starting around $36 per month, making it a strong option for cost-conscious households.
• Simple Coverage Options: Mercury suits the driver in Hawaii without much concern for comprehensive policies, averaging in the low $92 per month for full coverage.
• Efficient Claims Handling: Hawaii drivers rate Mercury’s claims process highly, especially at $55 per month after one accident. See our Mercury insurance review for details.

Cons

• Variable Rates by ZIP Code: Mercury’s premiums in Hawaii may fluctuate significantly between urban areas like Honolulu and rural communities, making predictability difficult.
• Fewer Premium Add-Ons: Mercury offers fewer optional extras in Hawaii, such as roadside assistance and rental reimbursement, than top-tier carriers.

#8 – Nationwide: Best for Usage-Based Savings

Pros

• Low-Mileage Advantage: With SmartMiles, low-mileage Hawaii drivers may pay around $34 per month. Explore our Nationwide auto insurance review.
• Custom Driving Discounts: Hawaii drivers can save up to 40% with Nationwide’s SmartRide program, especially those maintaining smooth braking and low mileage.
• Strong Digital Support: Hawaii’s drivers can use Nationwide’s telematics to monitor their savings based on behavior, with good drivers paying as little as $46 a month.

Cons

• No Guarantee of Max Savings: Although savings can reach 40%, many Hawaii users report average discounts closer to 15–25%, depending on driving habits.
• Tech Dependency: Participation requires consistent app use or device-tracking plug-ins, which may not suit Hawaii drivers with older vehicles or limited smartphone access.

#9 – Safeco: Best for Easy Bundling

Pros

• Easy Bundling Savings: Hawaii drivers can save up to 15% by bundling auto and home insurance with Safeco, bringing minimum coverage rates to about $33 per month.
• Flexible Policy Options: Safeco’s bundling plans let Hawaii drivers customize their auto coverage while maintaining affordable rates near $73 per month for full coverage.
• Streamlined Billing: Bundling policies lets Hawaii drivers manage one payment and renewal for easier coverage. Find additional info in our Safeco auto insurance review.

Cons

• Inconsistent Savings: Some Hawaii drivers may see smaller bundling discounts than competitors, even with similar monthly rates of $30–$70.
• Higher Full Coverage Rates: Some Hawaii drivers may still pay above average, with full coverage costing up to $126 per month in some areas.

#10 – Travelers: Best for Financial Strength

Pros

• Excellent Credit Rating: Travelers holds an A++ rating, giving Hawaii drivers confidence in claims support while paying around $40 per month for minimum coverage.
• High Claim Capacity: With $43.4 billion in premiums, Travelers can handle major losses efficiently for Hawaii drivers. Learn more in our Travelers auto insurance review.
• Reliable Reserve Strength: Strong reserve funds and reinsurance serve as additional Hawaii driver protection in the event of a flood or storm.

Cons

• Less Aggressive Discounts: In addition, the company offers fewer aggressive discounts and higher-percentage savings programs in Hawaii than competitors such as Nationwide or Geico.
• Premium Adjustments Risk: Exposure to Hawaii’s natural risks, such as hurricanes or flooding, may result in higher premiums or stricter underwriting during peak risk periods.

Find Affordable Car Insurance in Hawaii

Geico, AAA, and Progressive each offer unique advantages and trade-offs, making them strong contenders.

These three stand out among the best auto insurance companies in Hawaii for their pricing, service, and coverage flexibility.

Geico offers the lowest rates at $29 per month, ideal for budget-conscious drivers comparing liability vs. full coverage auto insurance, while AAA suits those who value local service and member perks, though its premiums are higher.

Progressive stands out for flexible policies and digital tools, offering Hawaii drivers strong coverage options despite slightly higher prices. Enter your ZIP code in our free tool to start seeing quotes today.