Last Updated on January 2, 2026

Car insurance can be pricey in many parts of the country, but Hawaii is still often one of the more affordable states for auto coverage.

Recent rate studies place Hawaii’s average cost at about $1,700 per year for full coverage (and roughly a few hundred dollars per year for minimum coverage). Your exact price can be higher or lower depending on where you live, what you drive, how much you drive, and your driving record.

Drivers in Hawaii can often save even more by comparing quotes, stacking discounts, and choosing the right company for their needs—especially because some insurers price certain driver profiles more competitively than others.

What are the best auto insurance companies in Hawaii? What are Hawaii’s minimum requirements? And what happens if you drive uninsured? Continue reading to learn how to find the best car insurance in Hawaii.

Key Takeaways

1. Hawaii Is Often Below the National Average: Hawaii typically ranks as a more affordable state for auto insurance, but rates still vary widely by driver profile and island.
2. Minimum Coverage Includes PIP: Hawaii requires 20/40/10 liability coverage plus $10,000 of personal injury protection (PIP) per person.
3. Strict Proof-of-Insurance Expectations: You must carry proof of coverage (a Hawaii insurance ID card) and driving uninsured can lead to fines and license suspension.
4. Shopping Around Matters: USAA (if eligible), GEICO, State Farm, and strong local carriers can price very differently—comparing multiple quotes is the fastest way to save.

Top 10 Auto Insurance Companies in Hawaii

Hawaii drivers can choose from big national carriers and strong local/regional options. The “best” insurer depends on your eligibility, budget, coverage needs, and driving history.

1. USAA: If you (or an immediate family member) have military affiliation, USAA is often one of the best values for price and service. Start here if you qualify for USAA membership, then compare it to a few other quotes.
2. GEICO: GEICO is popular in Hawaii for straightforward online quotes, frequent discounts, and competitive pricing for many driver profiles. It’s a good benchmark carrier when you’re trying to see if you’re getting a solid deal—and GEICO is often among the cheaper options for many drivers (though not always the cheapest for everyone).
3. State Farm: State Farm can be a strong choice if you want a local agent, prefer face-to-face service, or plan to bundle auto with renters/homeowners insurance. It’s also a good option for drivers who value claims support and long-term stability.
4. Island Insurance: Island Insurance is one of the most recognized Hawaii-based insurers and is worth quoting if you want local servicing and an agent network that understands Hawaii-specific driving conditions.
5. Allstate: Allstate is widely available throughout Hawaii with a large agent footprint and a variety of discounts (especially if you bundle). It can be a strong fit for drivers who want customization and optional coverages.
6. Progressive: Progressive is often competitive for drivers who want flexible payment options, robust online tools, and discounts that can add up quickly—especially if you’re comparing multiple coverage/deductible combinations.
7. Farmers: Farmers can be a good fit if you prefer working with an agent and want a range of add-ons and discount opportunities. It’s also worth quoting if you’re shopping multiple policy types with one provider.
8. Liberty Mutual: Liberty Mutual is worth considering if you want a wide menu of optional coverages and bundling potential. It may not always be the cheapest, but it can be competitive depending on ZIP code and policy structure.
9. First Insurance Company of Hawaii (FICOH): FICOH is a major local name (with global backing) and may be a strong option for drivers who want a Hawaii-focused insurer with broad personal insurance offerings.
10. AAA (Auto Club): If you’re an AAA member (or plan to become one), it’s worth checking auto quotes through AAA-affiliated insurance options. Pricing can be competitive, and membership benefits may be a plus for some drivers.

Tip: If you have trouble finding coverage through standard insurers (for example, after multiple violations), ask an agent about Hawaii’s assigned-risk option. In Hawaii, there is a market mechanism designed to help drivers who can’t get insured through the normal marketplace.

Hawaii Minimum Car Insurance Requirements

Hawaii law requires drivers to carry minimum liability coverage and personal injury protection (PIP). You also must keep a valid Hawaii motor vehicle insurance ID card in your vehicle and be able to show proof of coverage when requested.

Hawaii Minimum Limits (20/40/10) Plus Required PIP

• $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

Keep in mind: minimum coverage is designed to meet legal requirements—not to fully protect your finances after a serious crash. Many drivers choose higher liability limits and add physical damage coverage (collision and comprehensive), especially if they’re leasing/financing a vehicle.

If you’re comparing options, it helps to understand what a minimum coverage auto insurance policy does (and doesn’t) include before you choose a plan based purely on price.

How Hawaii’s No-Fault Insurance System Works

Hawaii is a no-fault state for injuries. In plain English: after a crash, your PIP coverage is designed to pay for reasonable medical expenses (up to your PIP limits) for you and your passengers, regardless of who caused the accident.

Because of this no-fault structure, lawsuits over injuries are generally limited unless the crash involves a severe injury or your medical expenses cross a statutory threshold. This is one reason why PIP is required in Hawaii.

Driving Without Insurance in Hawaii

Driving uninsured in Hawaii is illegal—and the penalties can be expensive and disruptive (including license suspension). You’re also required to have proof of coverage available; being caught without proof of insurance can still create major headaches even if you’re actually insured.

Penalties can vary based on circumstances and whether it’s a first or repeat offense. Generally, repeat offenses within a five-year period come with much tougher consequences.

How Tickets and Accidents Affect Hawaii Car Insurance Rates

Even though Hawaii restricts certain rating factors, insurers can still place heavy weight on risk-related details—especially your driving record, your claim history, your vehicle type, and where you garage the car.

Car Insurance in Hawaii With a DUI

A DUI is one of the fastest ways to trigger big premium increases and coverage complications. If you’re shopping after a conviction, compare multiple carriers, ask about payment plan options, and focus on companies that still write policies for high-risk drivers. You can start with this guide to finding cheaper DUI car insurance.

Car Insurance in Hawaii With an At-Fault Accident

One at-fault accident can raise rates for years—especially if there’s significant property damage or injuries. If you’ve been in a crash, review your declarations page and make sure you understand what will and won’t be covered before you renew. Here’s what to know about being at-fault in an accident and how it can impact premiums.

Car Insurance in Hawaii With Speeding Tickets

One minor ticket may not double your rates, but repeated violations (or higher-speed citations) can cause major increases. If you’ve been cited recently, it helps to know how much a single speeding ticket can increase your rates and to shop around before your next renewal.

Car Insurance in Hawaii for Young Drivers

Young drivers usually pay more in every state. In Hawaii, the best way to keep costs under control is to stay violation-free, take advantage of good student discounts where available, and compare multiple companies. If you’re shopping for a teen or driver under 25, start here: cheapest car insurance for young drivers.

Car Insurance in Hawaii With Poor Credit

Unlike many states, Hawaii does not allow auto insurers to use credit bureau-related factors when determining premiums. In other words, a bad credit score should not automatically raise your auto insurance price in Hawaii the way it often does elsewhere.

If you’re moving from the mainland, this may be a big change—here’s a broader explainer on whether credit scores affect car insurance rates and how state rules can differ.

Because credit isn’t a pricing factor in Hawaii, insurers typically focus more heavily on factors like claims history and your driving history, plus vehicle characteristics and location.

SR-22 Insurance in Hawaii

An SR-22 is not a separate insurance policy—it’s a form filed by an insurer to prove you carry the required coverage after certain serious driving situations. If you’re ordered to carry one, your insurer can usually file it for you (often for a small filing fee), and you’ll need to keep the policy active the entire required period.

SR-22 filing periods vary by situation. For a deeper breakdown, see our guide on how long an SR-22 lasts.

How to Save Money on Car Insurance in Hawaii

• Compare at least 3–5 quotes: The same driver can get very different prices depending on the insurer.
• Raise deductibles (if you can afford it): Higher deductibles can reduce premiums, especially on collision and comprehensive.
• Ask about all discounts: Common savings include multi-policy, safe driver, paperless, autopay, and good student discounts.
• Don’t let coverage lapse: Gaps can cause higher pricing and added hassle in a state with strict insurance enforcement.
• Right-size your coverage: If you have an older paid-off vehicle, you may decide collision/comprehensive isn’t cost-effective—but keep liability and PIP strong enough to protect your assets.

FAQs on Car Insurance in Hawaii

Conclusion: How to Find the Best Auto Insurance in Hawaii

Hawaii car insurance is often cheaper than mainland averages, but your price still depends heavily on your driving record, vehicle, and location. The best way to find the right policy is simple: compare quotes, confirm you’re meeting Hawaii’s minimum requirements (including PIP), and choose the carrier that gives you the best balance of price and claims support.