The best car insurance companies in Hawaii for 2024 are Geico, Progressive, Farmers and State Farm. This list is determined by analyzing the companies’ annual car insurance premiums, financial stability and customer satisfaction ratings.
Use our guide to find the right insurance company for your needs and budget. Navigate your insurance options in Hawaii with confidence to choose the best car insurance company.
Our take
Geico is the top choice for car insurance in Hawaii. Its high financial rating of A++ from AM Best and competitive rates make it an excellent option for affordable and comprehensive coverage.
Geico’s average car insurance cost is $1,184 a year. It has a J.D. Power score of 825/1,000 and an overall rating of 3.31 out of 5.
CarInsurance.com found that Geico offers the lowest average car insurance premiums at $1,184 per year.
Check out our experts recommendations for the best car insurance coverage
What are the best car insurance companies in Hawaii?
Hawaii drivers have various top-rated car insurance companies to choose from. Whether you seek the best overall experience, the most affordable rates or exceptional customer service, there’s an insurer that fits your needs.
Here’s a breakdown of the best auto insurance companies in Hawaii by category.
| Category | Company |
|---|---|
| Best overall | Geico |
| Most affordable | Geico |
| Highest customer satisfaction | Geico |
| Best for teen | Geico |
| Best for young adults | Geico |
| Best for adults | Geico |
| Best for seniors | Geico |
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- How much does car insurance cost in Hawaii?
Compare the best auto insurance companies in Hawaii
Choosing the right car insurance in Hawaii can feel overwhelming, with so many companies offering different coverage at varying rates. To help, we’ve taken a closer look at the top insurers in Hawaii.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Geico | $1,184 | A++ | 825 | 0.91 | 3.31 |
| Progressive | $1,279 | A+ | 811 | 0.65 | 3.26 |
| Farmers | $1,495 | A | 821 | 0.80 | 2.81 |
| State Farm | $1,938 | A++ | 822 | 0.70 | 2.72 |
| Allstate | $1,882 | A+ | 812 | 0.65 | 2.58 |
Best car insurance companies by age group in Hawaii
As you age, your driving habits and insurance needs change, influencing your car insurance rates and the type of coverage you require. The best insurer for a teen is likely not the best choice for a senior, as each age group has unique needs and priorities when it comes to auto insurance.
Teenagers, viewed as high-risk due to their inexperience, often benefit from policies with extensive coverage options, digital tools and discounts for good grades and safe driving habits. Seniors, on the other hand, might prioritize higher liability limits and prefer personalized customer service.
Additionally, while teen drivers’ insurance needs change rapidly as they gain experience, seniors typically focus on maintaining comprehensive coverage as they age. Thus, the best insurer for one may not meet the unique requirements of the other.
Select your age group and coverage level below to see the list of best car insurance companies and their annual average rates.
| Company | Annual rates | Customer satisfaction rating |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Check out our detailed guide on average car insurance rates by age group
Best for teen drivers in Hawaii
Teen drivers often face higher insurance premiums because of their increased risk and limited driving experience. According to the Centers for Disease Control and Prevention, teen drivers are more prone to misjudging or failing to notice risky situations compared to older drivers.
They are also more likely to make serious mistakes that can result in major accidents. In 2022, a report from the Insurance Institute for Highway Safety revealed that 2,883 teenagers aged 13 to 19 lost their lives in car accidents.
Geico is an excellent choice for teen drivers looking to save on premiums. It offers car insurance at $1,332 annually.
When determining the best car insurance companies for teen drivers, several key factors were considered to ensure a comprehensive evaluation. The overall score for each company is derived from a weighted analysis of four main factors:
- The average annual full-coverage car insurance cost (25%)
- J.D. Power score (30%)
- AM Best rating (25%)
- NAIC rating (20%)
Each factor is assigned a specific percentage weight based on how they performed in each category.
Here are some top choices for teens aged 16-19 based on our analysis:
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Geico | $1,332 | A++ | 825 | 0.91 | 3.31 |
| Farmers | $1,495 | A | 821 | 0.8 | 2.97 |
| Progressive | $1,744 | A+ | 811 | 0.65 | 2.87 |
| State Farm | $1,938 | A++ | 822 | 0.7 | 2.86 |
| Allstate | $2,052 | A+ | 812 | 0.65 | 2.52 |
Best for young adults in Hawaii
Finding the right insurance is important for young drivers, who typically face higher insurance premiums due to their perceived risk.
Companies like Geico and Progressive offer competitive rates that are more affordable for younger drivers aged 20-24.
To compile our list of the best car insurance companies for young adults in 2024, we evaluated four factors: average annual full coverage car insurance cost (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%). Each factor has been assigned a specific percentage weight to calculate overall performance.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Geico | $1,214 | A++ | 825 | 0.91 | 3.31 |
| Progressive | $1,279 | A+ | 811 | 0.65 | 3.30 |
| Farmers | $1,495 | A | 821 | 0.80 | 2.83 |
| State Farm | $1,938 | A++ | 822 | 0.70 | 2.72 |
| Allstate | $1,882 | A+ | 812 | 0.65 | 2.58 |
Best for adult drivers in Hawaii
When choosing car insurance, different age groups often have varying needs and priorities. For adults and experienced drivers aged 25 to 60, factors such as coverage options, customer service and premium costs play significant roles in selecting the right insurer.
For adult drivers, Geico is the best choice for car insurance in Hawaii. It provides full coverage at an average yearly cost of $1,184 and has an overall rating of 3.31, the highest among the companies analyzed.
Our list of the best car insurance companies for adult drivers is based on a thorough analysis of four main factors: average annual full coverage car insurance cost in Hawaii (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%).
Experienced drivers are usually seen as less risky than younger drivers because of their experience behind the wheel. This often results in lower insurance premiums for drivers aged 25-60.
The table below shows the list of the best car insurance companies for Hawaii drivers aged 25-60 and their annual insurance rates.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Geico | $1,184 | A++ | 825 | 0.91 | 3.31 |
| Progressive | $1,279 | A+ | 811 | 0.65 | 3.26 |
| Farmers | $1,495 | A | 821 | 0.80 | 2.81 |
| State Farm | $1,938 | A++ | 822 | 0.70 | 2.72 |
| Allstate | $1,882 | A+ | 812 | 0.65 | 2.58 |
Best for senior drivers in Hawaii
Geico provides the most affordable car insurance for senior drivers with premiums as low as $1,184 per year.
Insurance rates tend to increase for drivers around age 70 and older. This rise is due to insurers’ perception of increased risk associated with aging. Factors like slower reflexes, poor eyesight and a higher likelihood of health issues that could affect driving ability contribute to this perception. As a result, seniors may see their premiums increase, despite having years of driving experience and possibly a long history of safe driving.
Determining the best car insurance companies for senior drivers requires a comprehensive analysis of several factors. Each insurer’s overall score is derived from a weighted analysis of four important factors: the average annual cost of full-coverage car insurance (25%), the J.D. Power score (30%), the AM Best rating (25%) and the NAIC rating (20%).
The best auto insurance companies in Hawaii are listed below for senior drivers aged 65-75.
| Company | Monthly cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Geico | $99 | A++ | 825 | 0.91 | 3.31 |
| Progressive | $107 | A+ | 811 | 0.65 | 3.26 |
| Farmers | $125 | A | 821 | 0.80 | 2.81 |
| State Farm | $162 | A++ | 822 | 0.70 | 2.72 |
| Allstate | $157 | A+ | 812 | 0.65 | 2.58 |
Learn more about how to shop for car insurance for seniors
Best overall car insurance company in state
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The right insurance company for you is significantly influenced by your driver profile. Here’s how to choose the right insurer based on your specific needs:
For budget-conscious drivers in Hawaii
Look for car insurance companies that offer discounts, including safe driver, multi-policy and automatic payment discounts, to reduce your premiums. And you can opt to pay your premiums monthly, semi-annually or annually.
Find the best insurance companies and their annual rates for different coverage levels listed below in Hawaii.
| Company | State-minimum | Liability-only | Full coverage |
|---|---|---|---|
| Geico | $258 | $432 | $1,184 |
| Progressive | $452 | $726 | $1,279 |
| Farmers | $408 | $572 | $1,495 |
| Island Insurance | $415 | $556 | $1,771 |
| Allstate | $500 | $702 | $1,882 |
| State Farm | $496 | $674 | $1,938 |
| USAA | $246 | $347 | $1,067 |
Notes:
- Full coverage car insurance limit is 100/300/100 with a $500 deductible.
- Liability-only car insurance limit is 50/100/50.
- State minimum car insurance is 20/40/10.
For high-risk drivers in Hawaii
If you’re a high-risk driver or someone with multiple traffic violations or DUIs on their record, look for insurers that specialize in high-risk policies. Focus on improving your driving record by attending a defensive driving course. These steps can help reduce your rates over time.
High-risk status is not permanent. Regularly compare insurance rates and options, as improving your driving record and altering your risk profile can lead to more affordable car insurance rates over time.
| Company | 6-month cost | Annual cost |
|---|---|---|
| Progressive | $903 | $1,805 |
| Farmers | $1,070 | $2,140 |
| State Farm | $1,101 | $2,202 |
| Geico | $1,214 | $2,428 |
| Allstate | $1,518 | $3,036 |
| Island Insurance | $3,576 | $7,152 |
| USAA | $674 | $1,347 |
By thoroughly researching and understanding their specific driver profiles, high-risk drivers can find an insurance company that meets their needs and offers the best value.
In conversation with experts
CarInsurance.com editors interviewed James Brau, Joel C. Peterson, professor of finance at Brigham Young University. See his responses below.
How important is customer service when deciding the right car insurance company?
Customer service is critical – it should be one of the top factors consumers consider. All else equal, meaning similar premiums, coverage, riders, etc., customer service is often the deciding factor. If a customer gets to speak to a cheerful human without 10 minutes of robot phone trees, especially when stressed out after a wreck or theft, it makes life a lot better.
What are the key factors that consumers should consider when selecting a car insurance company in their state?
Customers should do research pertaining to coverage, premiums, reputation, how many stars on reviews, etc. Make sure to compare apples to apples – that you’re getting the same coverage amounts, for example. Shop around – competition helps the consumer.
How often should policyholders review and adjust their car insurance policies?
Every six months is a good rule of thumb because most people pay in semi-annual installments. If you keep your company on its toes, they are more likely to stay competitive and offer special pricing, deals, incentives, etc.
Frequently asked questions
What is the average cost of car insurance in Hawaii?
The average annual cost of car insurance in Hawaii is $1,517. This rate can vary depending on factors such as the driver’s age, driving history and coverage limits
How much car insurance coverage do I need in Hawaii?
When assessing your car insurance needs in Hawaii, consider the state’s legal requirements. Typically, the minimum coverage required in Hawaii consists of $20,000 for bodily injury per person, $40,000 for bodily injury per accident, and $10,000 in property damage liability.
If you have valuable assets to safeguard, it’s wise to go beyond Hawaii’s minimum requirements and opt for higher liability limits. Experts suggest getting full coverage car insurance with limits of 100/300/100 and a $500 deductible for collision/comprehensive.
Here’s what it means:
- $100,000 in bodily injury liability per person pays for injuries you cause to others in an accident.
- $300,000 in bodily injury liability per accident will cover injuries per accident, covering costs if multiple people are injured.
- $100,000 in property damage liability per accident covers damage you cause to another driver’s property in an at-fault accident.
Opting for higher limits is advisable as they provide increased protection against financial losses. When choosing coverage limits, also take into account your driving habits, the value of your vehicle and your finances.
Which company has the best car insurance rates in Hawaii?
CarInsurance.com’s analysis shows that Geico offers the lowest car insurance rates for Hawaii drivers, with an average premium of $99 per month or $1,184 per year.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Fatality Facts 2022 Teenagers.” Accessed September 2024.
- Centers for Disease Control and Prevention. “Risk Factors for Teen Drivers.” Accessed September 2024.
- National Safety Council. “Age of Driver.” Accessed September 2024.
Methodology
CarInsurance.com collected insurance rate data from Quadrant Information Services for Hawaii drivers. The rate data is for drivers of different age groups:
- Teens: Age 16-19
- Young adults: Age 20-24
- Adults: 25- 60
- Seniors: 60-75
The different coverage levels include:
- Annual full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- A six-month car insurance policy with limits of 100/300/100-500 coll/comp deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 20/40/10.
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old male and female driver with the following incidents applied:
- 1 at-fault property damage accident over $2K
- 1 at-fault property damage accident under $2K
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
- Speeding 30+ over limit
- Speeding ticket 1-10 mph over limit
- Speeding ticket 11-29 mph over limit
The editors created a rating system to determine the best insurance companies in each sector. For auto insurers, we took the following and gave each a weight.
- Average annual cost: 25%
- J.D. Power score: 30%
- AM Best rating: 25%
Each insurer was awarded an overall rating of 0.5 to 5. No insurer in our overall rating received less than 1 rating and 5 was the most any insurer could receive.
To evaluate the rates, we have compared 51,088,003 insurance quotes from 167 national & regional insurance companies across 29,152 cities and 34,588 ZIP codes.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
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Guide to car insurance (with rates) in cities of Hawaii
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Hawaii