Cheapest Car Insurance in Hawaii
The numbers were refreshed
Insurers listed by price where Hawaii posts them, plus ways to lower your own bill.
- $40. the average monthly cost of the legal minimum.
- 40/80/20. the minimum liability limits.
- 49th of 51most expensive state (1st = highest)
For an adult with a clean record, the least costly option in Hawaii
The state's own pricing profile: no accidents, no convictions, a 2024 Honda Accord LX 4-door for pleasure use, plus the coverages Hawaii requires.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Allstate | $258 | $22 |
| 2 | GEICO | $304 | $25 |
| 3 | Phoenix Insurance Company | $304 | $25 |
| 4 | Travelers | $304 | $25 |
| 5 | Progressive | $364 | $30 |
| 6 | Farmers Insurance | $402 | $34 |
| 7 | Progressive | $432 | $36 |
| 8 | GEICO | $433 | $36 |
| 9 | USAA | $443 | $37 |
| 10 | Bankers Standard Insurance Company | $453 | $38 |
Ways to lower your cost
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $574 a year on the Hawaii average.
- Raise your deductible; the money you save each year often beats the extra cost of a single claim.
- Request each discount by name: paying in full, good student, safe-driving apps, bundling home and auto, multi-car.
- Check prices again at every renewal; if your rate goes up, that doesn't mean other companies went up as well.
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