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Cheapest Car Insurance Rates In Hawaii (2018)

Finding cheap car insurance in Hawaii is an easy way to cut your monthly expenses. If you’re searching for a new insurance policy, this page is the perfect place to start. Our team has compared the rates of nine top providers to simplify your search for the most affordable quotes.
Below, we’ve listed the best car insurance rates for the following driver types:

No Recent Accidents
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$76/month estimate

$96/month estimate

If you’ve never caused a wreck, you’ll likely be classified as a “safe driver.” Insurance companies consider safe drivers to be less of a liability, which translates into more affordable premiums. Our test driver was a 29 year old with a spotless accident record.

We discovered that State Farm offers the best auto insurance rates for safe drivers in Hawaii, but Allstate wasn’t far behind with premiums of $96 per month. To make the most informed decision, try getting quotes from both companies.

If you’ve had a recent collision and you don’t fall into this category, bear in mind that avoiding accidents for consecutive years can have a huge impact on your premiums. Try comparing quotes from time to time to find out if you could get lower rates by switching insurance providers.

Best Rates For Drivers With A DUI

$/month estimate

$299/month estimate

As if attorney fees and court fines weren’t enough, a DUI conviction is usually followed by a significant hike in insurance premiums. If you’ve been charged with DUI or DWI, you might be able to save hundreds (or even thousands in the long term) by switching to an insurer who caters to drivers in this category. The driver in our study was age 29 and had a single DUI conviction involving a blood alcohol concentration of 0.08.

Best Rates For Senior Drivers

$/month estimate

$76/month estimate

If you’re a senior who doesn’t hit the road that often, it should be relatively easy for you to find cheap car insurance in Hawaii from Geico or State Farm. Geico was found in our study to offer the lowest auto insurance rates.


The “No Accidents” and “DUI” segments of our analysis used a 29-year-old motorist who drove a 2014 Toyota Corolla 12,000 miles yearly. We calculated the estimated monthly premiums based on data from females and males in five zip codes. The senior driver in our test was age 65 and drove 4,000 annual miles. All drivers in our study had liability limits of 50/100/25 and the same limits for uninsured motorist coverage.

What Is The Minimum Car Insurance Coverage Requirement In Hawaii?

Motorists in Hawaii are required to have auto insurance with $20,000 for bodily injury to one person, $40,000 for bodily injury per crash, $10,000 for damage to property, and $10,000 per crash in Personal Injury Protection.


cheapest car insurance in hawaii

You can find helpful FAQs about car insurance by visiting our blog.


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