Key Takeaways: The Cheapest Car Insurance in Hawaii
The Cheapest Car Insurance Companies in Hawaii for Good Drivers
| Cheapest for... | Company | Average monthly cost in Hawaii | Learn more |
|---|---|---|---|
| 20-year-olds | $110 | Via Forbes Advisor's Partner | |
| 30-year-olds | Geico | $105 | Via Forbes Advisor's Partner |
| 40-year-olds | Geico | $105 | Via Forbes Advisor's Partner |
| 50-year-olds | Geico | $105 | Via Forbes Advisor's Partner |
| 60-year-olds | Geico | $105 | Via Forbes Advisor's Partner |
| 70-year-olds | Geico | $105 | Via Forbes Advisor's Partner |
| 80-year-olds | Geico | $105 | Via Forbes Advisor's Partner |
Source: Quadrant Information Services.
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.
Cheap Car Insurance for 20-Year-Olds in Hawaii
Young drivers in Hawaii can face high insurance costs, especially if you’re not on a parent’s auto insurance policy. In Hawaii, these insurers had the cheapest car insurance according to our evaluation.
Cheapest Full Coverage Car Insurance for 20-Year-Olds in Hawaii
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Geico: $110 a month
- Progressive: $111 a month
- Island Insurance: $119 a month
Cheapest Minimum Coverage for 20-Year-Olds in Hawaii
If you’re looking for only the minimum auto insurance in Hawaii, check rates from these companies.
- Geico: $27 a month
- Progressive: $28 a month
- Island Insurance: $35 a month
Cheapest Auto Insurance for 20-Year-Olds in Hawaii With Poor Credit
Poor credit can cause a large increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.
- Progressive: $111 a month
- Island Insurance: $119 a month
- Allstate: $130 a month
Cheapest Auto Insurance for 20-Year-Olds in Hawaii With a Speeding Ticket
Brace yourself for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Hawaii for drivers with a speeding ticket.
- Geico: $115 a month
- Island Insurance: $129 a month
- Allstate: $137 a month
Cheapest Car Insurance in Hawaii for 20-Year-Olds With an At-Fault Accident
Below are the cheapest companies we found for Hawaii drivers who caused an accident that injured someone else.
- Geico: $133 a month
- Island Insurance: $158 a month
- Allstate: $159 a month
Cheapest Auto Insurance for 20-Year-Olds in Hawaii After a DUI
Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Hawaii who have a DUI conviction.
- State Farm: $150 a month
- Progressive: $181 a month
- 21st Century: $222 a month
Cheap Car Insurance for 30-Year-Olds in Hawaii
Drivers age 30 in Hawaii can find very high insurance rates depending on their driving record. Here’s a look at the lowest companies for a variety of common driving records.
Cheapest Full Coverage Car Insurance for 30-Year-Olds in Hawaii
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Geico: $105 a month
- Progressive: $111 a month
- Island Insurance: $119 a month
Cheapest Minimum Coverage for 30-Year-Olds in Hawaii
If you’re looking for only the required auto insurance in Hawaii, check quotes from these companies.
- Geico: $24 a month
- Progressive: $28 a month
- Island Insurance: $35 a month
Cheapest Auto Insurance for 30-Year-Olds in Hawaii With Poor Credit
Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.
- Progressive: $111 a month
- Island Insurance: $119 a month
- Allstate: $130 a month
Cheapest Auto Insurance for 30-Year-Olds in Hawaii With a Speeding Ticket
Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Hawaii for drivers with a speeding ticket.
- Geico: $110 a month
- Island Insurance: $129 a month
- Allstate: $136 a month
Cheapest Car Insurance in Hawaii for 30-Year-Olds With an At-Fault Accident
Below are the cheapest companies we found for Hawaii drivers who caused an accident that injured someone else.
- Geico: $133 a month
- Island Insurance: $158 a month
- Allstate: $159 a month
Cheapest Auto Insurance for 30-Year-Olds in Hawaii After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Hawaii who have a DUI conviction.
- State Farm: $150 a month
- Progressive: $181 a month
- 21st Century: $222 a month
Cheap Car Insurance for 40-Year-Olds in Hawaii
Hawaii drivers age 40 can typically save substantial money by comparing quotes from multiple insurers. We looked at which insurers offer the lowest rates in Hawaii, depending on your driving record.
Cheapest Full Coverage Car Insurance for 40-Year-Olds in Hawaii
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Geico: $105 a month
- Progressive: $111 a month
- Island Insurance: $119 a month
Cheapest Minimum Coverage for 40-Year-Olds in Hawaii
If you’re looking for only the minimum auto insurance in Hawaii, check quotes from these companies.
- Geico: $24 a month
- Progressive: $28 a month
- Island Insurance: $35 a month
Cheapest Auto Insurance for 40-Year-Olds in Hawaii With Poor Credit
Poor credit can cause a steep increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.
- Progressive: $111 a month
- Island Insurance: $119 a month
- Allstate: $130 a month
Cheapest Auto Insurance for 40-Year-Olds in Hawaii With a Speeding Ticket
Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in Hawaii for drivers with a speeding ticket.
- Geico: $110 a month
- Island Insurance: $129 a month
- Allstate: $137 a month
Cheapest Car Insurance in Hawaii for 40-Year-Olds With an At-Fault Accident
Below are the cheapest companies we found for Hawaii drivers who caused an accident that injured someone else.
- Geico: $133 a month
- Island Insurance: $158 a month
- Allstate: $159 a month
Cheapest Auto Insurance for 40-Year-Olds in Hawaii After a DUI
Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Hawaii who have a DUI conviction.
- State Farm: $150 a month
- Progressive: $181 a month
- 21st Century: $222 a month
Cheap Car Insurance for 50-Year-Olds in Hawaii
Hawaii drivers in their 50s are enjoying the lowest rates they’ll get based on age. But an imperfect driving record can make cheap car insurance hard to find.
Cheapest Full Coverage Car Insurance for 50-Year-Olds in Hawaii
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Geico: $105 a month
- Progressive: $111 a month
- Island Insurance: $119 a month
Cheapest Minimum Coverage for 50-Year-Olds in Hawaii
If you’re looking for only the required auto insurance in Hawaii, check quotes from these companies.
- Geico: $24 a month
- Progressive: $28 a month
- Island Insurance: $35 a month
Cheapest Auto Insurance for 50-Year-Olds in Hawaii With Poor Credit
Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.
- Progressive: $111 a month
- Island Insurance: $119 a month
- Allstate: $130 a month
Cheapest Auto Insurance for 50-Year-Olds in Hawaii With a Speeding Ticket
Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Hawaii for drivers with a speeding ticket.
- Geico: $110 a month
- Island Insurance: $129 a month
- Allstate: $136 a month
Cheapest Car Insurance in Hawaii for 50-Year-Olds With an At-Fault Accident
Below are the cheapest insurers we found for Hawaii drivers who caused an accident that injured someone else.
- Geico: $133 a month
- Island Insurance: $158 a month
- Allstate: $160 a month
Cheapest Auto Insurance for 50-Year-Olds in Hawaii After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Hawaii who have a DUI conviction.
- State Farm: $150 a month
- Progressive: $181 a month
- 21st Century: $222 a month
Cheap Car Insurance for 60-Year-Olds in Hawaii
Auto insurance rates often begin to increase around age 65, even if you have a stellar driving record. We found the cheapest insurers for Hawaii drivers at age 60.
Cheapest Full Coverage Car Insurance for 60-Year-Olds in Hawaii
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Geico: $105 a month
- Progressive: $111 a month
- Island Insurance: $119 a month
Cheapest Minimum Coverage for 60-Year-Olds in Hawaii
If you’re looking for only the required auto insurance in Hawaii, check rates from these companies.
- Geico: $24 a month
- Progressive: $28 a month
- Island Insurance: $35 a month
Cheapest Auto Insurance for 60-Year-Olds in Hawaii With Poor Credit
Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.
- Progressive: $111 a month
- Island Insurance: $119 a month
- Allstate: $130 a month
Cheapest Auto Insurance for 60-Year-Olds in Hawaii With a Speeding Ticket
Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Hawaii for drivers with a speeding ticket.
- Geico: $110 a month
- Island Insurance: $129 a month
- Allstate: $137 a month
Cheapest Car Insurance in Hawaii for 60-Year-Olds With an At-Fault Accident
Below are the cheapest companies we found for Hawaii drivers who caused an accident that injured someone else.
- Geico: $133 a month
- Island Insurance: $158 a month
- Allstate: $159 a month
Cheapest Auto Insurance for 60-Year-Olds in Hawaii After a DUI
Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Hawaii who have a DUI conviction.
- State Farm: $150 a month
- Progressive: $181 a month
- 21st Century: $222 a month
Cheap Car Insurance for 70-Year-Olds in Hawaii
Hawaii drivers age 70 are looking at higher rates due to age. But relatively cheap auto insurance can still be found by comparing rates from a few companies.
Cheapest Full Coverage Car Insurance for 70-Year-Olds in Hawaii
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Geico: $105 a month
- Progressive: $111 a month
- Island Insurance: $119 a month
Cheapest Minimum Coverage for 70-Year-Olds in Hawaii
If you’re looking for only the minimum auto insurance in Hawaii, check quotes from these companies.
- Geico: $24 a month
- Progressive: $28 a month
- Island Insurance: $35 a month
Cheapest Auto Insurance for 70-Year-Olds in Hawaii With Poor Credit
Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.
- Progressive: $111 a month
- Island Insurance: $119 a month
- Allstate: $130 a month
Cheapest Auto Insurance for 70-Year-Olds in Hawaii With a Speeding Ticket
Brace yourself for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Hawaii for drivers with a speeding ticket.
- Geico: $110 a month
- Island Insurance: $129 a month
- Allstate: $136 a month
Cheapest Car Insurance in Hawaii for 70-Year-Olds With an At-Fault Accident
Below are the cheapest companies we found for Hawaii drivers who caused an accident that injured someone else.
- Geico: $133 a month
- Island Insurance: $158 a month
- Allstate: $159 a month
Cheapest Auto Insurance for 70-Year-Olds in Hawaii After a DUI
Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Hawaii who have a DUI conviction.
- State Farm: $150 a month
- Progressive: $181 a month
- 21st Century: $222 a month
Cheapest Car Insurance In Honolulu, Hawaii
| Cheapest for . . . | Company | Average monthly cost in Honolulu | Learn more |
|---|---|---|---|
| Good drivers | $76 | Via Forbes Advisor's Partner | |
| Drivers with a speeding ticket | Geico | $76 | Via Forbes Advisor's Partner |
| Drivers who caused an accident with injury | Geico | $111 | Via Forbes Advisor's Partner |
| Drivers with a DUI | State Farm | $156 | Via Forbes Advisor's Partner |
Cheapest Car Insurance In East Honolulu, Hawaii
| Cheapest for . . . | Company | Average monthly cost in East Honolulu | Learn more |
|---|---|---|---|
| Good drivers | $76 | Via Forbes Advisor's Partner | |
| Drivers with a speeding ticket | Geico | $76 | Via Forbes Advisor's Partner |
| Drivers who caused an accident with injury | Geico | $111 | Via Forbes Advisor's Partner |
| Drivers with a DUI | State Farm | $156 | Via Forbes Advisor's Partner |
Cheapest Car Insurance In Pearl City, Hawaii
| Cheapest for . . . | Company | Average monthly cost in Pearl City | Learn more |
|---|---|---|---|
| Good drivers | $76 | Via Forbes Advisor's Partner | |
| Drivers with a speeding ticket | Geico | $76 | Via Forbes Advisor's Partner |
| Drivers who caused an accident with injury | Geico | $110 | Via Forbes Advisor's Partner |
| Drivers with a DUI | State Farm | $156 | Via Forbes Advisor's Partner |
Buy Cheap Car Insurance in Hawaii
Cheap car insurance in Hawaii can be found with a few simple strategies. When cost is important, make sure you also have a policy that has enough coverage in case you cause an accident.
Compare Rates from Several Car Insurance Companies
If you’re interested in cheap car insurance in Hawaii, an important action is to compare rates from multiple companies. Only by getting a range of rates will you know what a good deal looks like.
Consider Switching Companies When Your Driving Record Changes
Getting a ticket or causing an accident will generally result in an insurance bill increase. A company that offered cheap Hawaii car insurance for you previously may no longer be a smart option. In some cases you need to switch car insurance companies in order to score low rates again.
Regularly Review Your Car Insurance Coverage
As your life changes, so do your auto insurance needs. Take a look at your Hawaii auto insurance policy to make sure your current coverage aligns with your needs. Review your coverage types, the limits for each coverage type and your deductible amounts. Trim unnecessary extras, such as roadside assistance, to save money.
Rethink Your Deductible
By increasing your auto insurance deductible you can reduce your cost for collision and comprehensive coverage. You’ll pay more toward car repairs if you make a claim, but overall you could still save money over time. And if your car isn’t worth much, you may want to drop collision and comprehensive insurance altogether.
Look Into Car Insurance Discounts
Every dollar saved matters, making it wise to explore all available car insurance discounts. While some discounts are added automatically during the quote process, ask about additional potential discounts that your insurer may not know you qualify for. For example, you may have a high school or college student in your household who qualifies for a good student discount. Or if you no longer have a long commute and are driving fewer annual miles, you may be eligible for a cheaper car insurance rate.
Capture Savings by Bundling
If you need more than a Hawaii auto insurance policy, you can usually get a good discount by bundling car insurance. You can generally bundle auto insurance with renters, condo or home insurance. Some insurers offer bundling discounts for boat, RV and even life insurance. Our analysis found an average discount of 14% for bundling auto and home insurance.
Optimize Your Insurance Payment Strategy
Auto insurance companies often have small discounts based on how you’re paying your Hawaii car insurance bill. Look for these discounts:
- Paying for the entire policy term up-front.
- Using EFT if you’re paying in monthly installments.
- Going paperless for both billing and policy documents.
Methodology
Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.
Cheap Car Insurance Companies 2025
With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the cheapest car insurance companies, so you don't have to.
Find The Cheapest Car Insurance In Hawaii
Via Forbes Advisor's Partner
