Find the Best Car Insurance Quotes and Options in Hawaii
The average cost of car insurance in Hawaii is $1,114 per year. While car insurance costs in Hawaii tend to be lower than the national average of $1,311 per year, everyone’s car insurance rates will be different based on where they live and their personal risk factors.
An independent insurance agent can help you find the right car insurance for your needs and budget.
Best Car Insurance Companies in Hawaii
You can purchase car insurance in Hawaii from numerous insurance companies. But which insurance company offers the best mix of coverage and value for your unique needs? We’ve selected some of the best car insurance companies in Hawaii to help you get started.
- Best Hawaii car insurance company overall: USAA
- Best Hawaii car insurance company for minimum liability: Progressive
- Best Hawaii car insurance company for full coverage: Progressive
- Best Hawaii car insurance company for young drivers: USAA
- Best Hawaii car insurance company for accident history: USAA
An independent insurance agent in Hawaii can help you determine if any of these companies have the right car insurance policy for your needs and budget.
Best Hawaii Car Insurance Company Overall: USAA
Our pick for the best overall car insurance company in Hawaii is USAA. The carrier ranks high for claims satisfaction, ease of interaction, customer service, trust, and other important factors.
USAA was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. Over time, the organization grew to serve millions in the military community, offering a variety of personal insurance products as well as other financial products and services.
USAA’s net worth has surpassed $40 billion. The carrier has more than 13 million members and 37,000 employees. USAA consistently receives high marks for financial stability, including an A++ rating from AM Best, the highest available.
Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage.
| Average Monthly Insurance Cost: Car Insurance Policy | Average Annual Insurance Cost: Car Insurance Policy |
| $97.25 | $1,167 |
Best Hawaii Car Insurance Company for Minimum Liability: Progressive
If you’re looking for minimum liability coverage, Progressive is a top choice for Hawaii residents. It is a good option for people who want a simple, no-frills policy. The company also offers numerous ways to save, including a wide range of available discounts, including multiple policy, good student, bundling, safe driving, pay-in-full, and paperless discounts. The company also ranks high for claims, user satisfaction, and financial stability.
Hawaii drivers can purchase a minimum coverage policy from Progressive for around $52 per month, on average.
Progressive Mutual Insurance Company was founded in 1937, when the company introduced the country’s first drive-in claims location. Progressive is based in Ohio but offers car insurance across all 50 states, including Hawaii. Hawaii residents can look to Progressive for most of their personal insurance needs.
| Average Monthly Insurance Cost: Minimum Liability Policy | Average Annual Insurance Cost: Minimum Liability Policy |
| $52 | $621 |
Best Hawaii Car insurance Company for Full Coverage: Progressive
One of the best car insurance companies in Hawaii for full coverage is Progressive. The insurance company offers full coverage policies with premiums of around $104 per month.
Progressive receives high marks for financial stability, with an A+ (Superior) rating from AM Best. Progressive offers standard options like comprehensive and collision coverage, as well as unique options like coverage for pet injuries. The company also touts its Name Your Price Tool which helps you find the best coverage options for your budget.
| Average Monthly Insurance Cost: Full Coverage Policy | Average Annual Insurance Cost: Full Coverage Policy |
| $104 | $1,243 |
Best Hawaii Car Insurance Company for Young Drivers: USAA
Drivers between the ages of 16 and 25 typically pay very high car insurance rates because of the extra risk presented by their inexperience behind the wheel. While insuring a teen driver is never cheap, USAA is one of the best insurance companies for young drivers in Hawaii.
Car insurance for young drivers in Hawaii can cost around $97 per month with USAA. The company also offers a good student discount so students with good grades can save on their car insurance.
Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage.
| Average Monthly Insurance Cost: Young Drivers | Average Annual Insurance Cost: Young Drivers |
| $97.25 | $1,167 |
Best Hawaii Car Insurance Company for Accident History: USAA
Your driving record is one of the most important factors in what you pay for car insurance in Hawaii. All insurance companies want to know if you’ve been at fault for an accident in the past in order to determine how risky you might be to cover.
In these cases, USAA again earns a spot on our list of top picks. USAA is one of the best Hawaii car insurance companies for drivers with an accident history. The company is highly rated for its claims response and for offering affordable policies for drivers with bad records. If you’ve had an at-fault accident, you can get a car insurance policy in Hawaii for about $120 per month.
| Average Monthly Insurance Cost: Drivers With Accident History | Average Annual Insurance Cost: Drivers With Accident History |
| $119.75 | $1,437 |
Hawaii Car Insurance Requirements
Vehicles registered in Hawaii must be covered by a car insurance policy that meets the state's minimum coverage requirements. In Hawaii, you must have the following coverage, at a minimum, in order to comply with state law and avoid penalties:
- Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for damages, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you. In Hawaii, you must have this coverage in the amount of $20,000 per person and $40,000 per accident, at a minimum.
- Property damage liability coverage: Pays for any damage that you cause to the property of others (e.g., another’s driver’s car) and for your legal defense if you are sued. In Hawaii, you must have this coverage in the amount of at least $10,000 per accident.
- Personal injury protection (PIP): Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident. This coverage is required in the amount of $10,000 per person.
Optional car insurance coverages in Hawaii include:
- Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the at-fault driver should have but does not.
- Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
- Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
- Roadside assistance coverage: Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed, and will reimburse you for the costs of these services up to certain limits.
- Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
- Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.
An independent insurance agent in Hawaii will help you find a car insurance policy that includes the coverage you need.
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Average Cost of Car Insurance in Hawaii
The average cost of car insurance in Hawaii is $1,114 per year, which is less than the national average of $1,311 per year.
Everyone’s car insurance costs are a little different depending on your personal risk factors (e.g., your age, gender, accident history, etc.) and the types and amounts of coverage you select. You can find ways to reduce your car insurance costs in Hawaii by taking advantage of car insurance discounts that you may be eligible for.
Average Hawaii Car Insurance Costs by City
The city you live in is one of the most important factors in what you’ll pay for car insurance in Hawaii. This is because the city’s crime rate, severe weather frequency, traffic density, and more can all impact how at-risk you and your car are for being in an accident, being stolen, or being subject to some other kind of damage (e.g., hail damage).
Kapolei has the costliest car insurance in Hawaii at an average of $1,391 per year, or $116 per month. Meanwhile, residents of Kailua pay much less for car insurance, with an annual average cost of $963.
Finding Car Insurance Discounts in Hawaii
One of the best ways to save on car insurance in Hawaii is to make sure that you take advantage of any car insurance discounts for which you may be eligible. One of the most common discounts is the multi-policy discount, which rewards you with savings if you have more than one policy with the same carrier (e.g., home and auto). Some of the common auto insurance discounts offered in Hawaii include the following:
- Student driver discounts: If you have a student driver in your household, you may be able to take advantage of a good student discount if your child gets a B average or better. Many insurance companies also offer away-at-school discounts for students who won’t be using their parents’ cars while they are away at school. Your young driver may also be able to receive a discount by participating in an insurance-company-approved or sponsored safe driving course.
- Safe driver discount: Drivers who maintain a clean driving record over a period of time may be able to receive an ongoing discount from their insurance company.
- Anti-theft device discount: Some insurance companies offer discounts when your car has certain anti-theft devices installed.
- Military discount: Active or retired members of the military can often qualify for auto insurance discounts.
- Paperless billing discount: Many insurance companies offer a discount for policyholders who agree to receive paperless billing statements.
- Other car insurance discounts: Being a member of a particular group, such as an employment union, may make you eligible for a car insurance discount specifically for members.
Your independent insurance agent in Hawaii can help you find all of the car insurance discounts that you qualify for.
How to Find the Best Car Insurance Quote in Hawaii
Finding the best car insurance quote in Hawaii requires comparing several insurance companies and making an informed choice, but you don’t have to go it alone. An independent insurance agent can help you obtain and review quotes from multiple insurance companies and choose the one that offers the best coverage for your needs and budget. An independent agent works for you, free of charge, to help you through the process.
How to File a Car Insurance Claim in Hawaii
Filing a car insurance claim in Hawaii is always going to be a little stressful. But if you know what to do in advance, it can help the process to go more smoothly. If you’re in a car accident, here are some tips for filing your insurance claim:
- Check for and tend to injuries: Check yourself, your passengers, and anyone else involved in the accident for injuries. Seek immediate medical treatment for anyone who is injured.
- Call the police: Filing a police report ensures that your accident is on-the-record and all appropriate information has been collected. That way, your insurance company will have a reliable source for information about the details of your accident.
- Contact your independent insurance agent: Your Hawaii independent insurance agent can start the process by connecting you with your insurance company or even filing the claim for you. Your agent can guide you throughout the claims process.
- Schedule an appointment with an adjuster: Your insurance company will likely want to evaluate the damage before you seek repairs for your car. That means you’ll likely need to set up an appointment with an adjuster who works for your carrier.
- Get repairs: If necessary, get your vehicle repaired from a reputable auto body shop or from a shop recommended by your insurance company.
- Get a rental vehicle: If you’re without your car for a while as it's being repaired, consider getting a rental vehicle. If you have rental reimbursement coverage, you’ll have some help paying for the cost of your rental car.
An independent insurance agent in Hawaii can help you through the claims process and answer your questions about how best to file your claim.
How does your city measure up to the national average?
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
| City | Commute time (min) | Annual insurance cost |
| Hilo | 18.4 | $981 |
| Kahului | 20.4 | $1,008 |
| Kailua | 16.9 | $963 |
| Kaneohe | 28.7 | $1,239 |
| Kapolei | 37.4 | $1,391 |
| Kihei | 21.1 | $1,006 |
| Makakilo | 36.3 | $1,334 |
| Mililani Mauka | 33.8 | $1,233 |
| Mililani Town | 31.7 | $1,360 |
| Pearl City | 29.7 | $1,187 |
| Wailuku | 22.3 | $1,383 |
Popular Questions about Hawaii Car Insurance
The average cost of car insurance in Hawaii is $1,114 per year, or about $93 per month.
Hawaii car insurance covers medical expenses and property damage costs that occur due to a car accident. If you’re at fault for an accident, your bodily injury liability and property damage liability coverage pay for the damage or injuries you inflict on other drivers or their passengers.
You can cover some of your own losses with uninsured and underinsured motorist coverage, comprehensive coverage, and collision coverage.
Hawaii’s car insurance laws mandate that your vehicle be insured throughout the motor vehicle registration period and that you have a valid Hawaii motor vehicle insurance identification card in your motor vehicle at all times.
Hawaii is a “no-fault” state when it comes to financial responsibility for car accidents. This means that your car insurance company will pay the bills for your injuries and your passengers’ injuries up to the personal injury protection limit in your policy.
In addition, the car insurance laws in Hawaii mandate a minimum amount of coverage for all drivers.
About 10.6 percent of drivers in Hawaii are uninsured. Nationwide, the average is 13 percent, which is higher than you will find in Hawaii.
Clearly, not all drivers follow the mandatory car insurance rules in the state. That’s why you need uninsured motorist coverage to protect you when you’re involved in an accident and the at-fault driver does not have car insurance.
Hawaii drivers have a lot of options for car insurance. Two of the best car insurance companies in Hawaii are USAA and Progressive.
An independent car insurance agent in your area can help you find the best car insurance in Hawaii.
The requirements for Hawaii car insurance are as follows:
- Bodily injury liability coverage: $20,000 per person, $40,000 per accident
- Property damage liability coverage: $10,000 per accident
- Personal injury projection (PIP): $10,000 per person
Hawaii is a “no-fault” state when it comes to financial responsibility for car accidents. This means that your car insurance company will pay the bills for your injuries and your passengers’ injuries up to the personal injury protection limit in your policy. What’s more, you cannot sue or be sued after an accident unless there are serious injuries.
The no-fault rule only applies to injuries. The driver who is at fault for an accident in Hawaii is financially responsible for the damage to vehicles and other property.
In general, the comprehensive coverage portion of your car insurance policy in Hawaii will cover volcano damage.
Keep in mind that if your car is damaged by wind or by ash buildup after an initial eruption, you might not be covered. Refer to your policy language to understand the specifics of your volcano damage coverage.
A vehicle must be registered in the owner's name before it can legally be driven on public roads in Hawaii. In order to register a vehicle with the Department of Motor Vehicles (DMV), you need proof of insurance and a valid driver's license.
While there’s no law that specifically requires a driver’s license to purchase insurance, it would generally be very difficult to do so given the above requirements for vehicle registration and car insurance.
Vehicles registered in the state of Hawaii must be covered with car insurance. You must carry a valid Hawaii car insurance identification card in your vehicle at all times. If you are caught operating the vehicle without the insurance card in your possession, you can be ticketed and fined.
If you are caught driving without insurance in Hawaii, you have to surrender the vehicle’s registration certificate and license plates, rendering you unable to legally drive your car.