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Who Has the Cheapest Hawaii Auto Insurance?

Enter your Hawaii zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 21, 2019

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Things would sure be easy if we could simply give you the name of the one company that has the best car insurance rates in Hawaii. Unfortunately, it’s not that simple as there are many unknown elements such as your marital status, the area you live in, and if you need full coverage or just liability, that all help calculate your car insurance rates. The content below will cover some of these topics and will hopefully give the reader a good beginning to your quest for cheaper car insurance in Hawaii.

We all like different vehicles, and the type of vehicle driven is a large consideration when consumers are trying to find economical coverage in Hawaii. Vehicles with limited top-end speed, advanced safety features, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models.

The lists below estimates car insurance premiums for the most cost-effective vehicles to buy coverage for.

Auto Insurance Rates for Popular Cars in Hawaii
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $710 $355 $59
Ford Focus SE 4-Dr Sedan $678 $339 $57
Ford Fusion SE 4-Dr Sedan $752 $376 $63
Honda Accord EX 4-Dr Sedan $590 $295 $49
Honda Civic GX 4-Dr Sedan $776 $388 $65
Hyundai Elantra SE Touring Station Wagon $646 $323 $54
Hyundai Sonata GLS 4-Dr Sedan $740 $370 $62
Kia Optima LX $740 $370 $62
Nissan Altima 2.5 S 2-Dr Coupe $798 $399 $67
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in your specific Hawaii location which can lower or raise coverage prices significantly.

Auto Insurance Rates for Popular SUVs and Crossovers in Hawaii
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX 4WD $726 $363 $61
Chevrolet Traverse LT AWD $662 $331 $55
Ford Escape XLS 2WD $590 $295 $49
Ford Explorer Eddie Bauer 2WD $654 $327 $55
GMC Acadia SLE 2WD $654 $327 $55
GMC Terrain SLT 2WD $704 $352 $59
Honda CR-V EX-L 4WD $606 $303 $51
Honda Pilot EX 4WD $670 $335 $56
Jeep Grand Cherokee SRT-8 4WD $752 $376 $63
Jeep Patriot Sport 2WD $638 $319 $53
Nissan Pathfinder S 2WD $638 $319 $53
Subaru Forester X Limited Edition AWD $678 $339 $57
Toyota Highlander SE 2WD $710 $355 $59
Toyota RAV4 Limited 4WD $694 $347 $58
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in zip code location which can increase or decrease prices considerably.

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Car Insurance Rates for Popular Pickup Trucks in Hawaii
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 4WD $590 $295 $49
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $786 $393 $66
Chevrolet Silverado LS Extended Cab 4WD $694 $347 $58
Dodge Ram 2500 Crew Cab SLT 2WD $838 $419 $70
Dodge Ram 3500 Crew Cab Laramie 2WD $826 $413 $69
Dodge Ram Crew Cab SLT 4WD $814 $407 $68
Ford F-150 XL Crew Cab 2WD $654 $327 $55
GMC Sierra 3500HD SLE Crew Cab 4WD $896 $448 $75
GMC Sierra SLE Extended Cab 4WD $752 $376 $63
Toyota Tundra Double Cab 4WD $756 $378 $63
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Prices do not factor in zip code location which can alter price quotes considerably.

Establishing which companies quote the best car insurance rates in Hawaii involves a little more sweat than just comparing a company or two. Each company has a proprietary method for determining rates in each state, so to begin we’ll rank the car insurance companies with the most affordable rates in Hawaii.

It’s a good idea to be aware that Hawaii car insurance rates are determined by lots of factors that will increase or decrease the price you pay. Simply having another birthday, becoming a homeowner, or getting into an accident may cause policy rate changes that can now make some companies cheaper than before.

Enter your zip code below to view companies that have cheap auto insurance rates.

USAA may have some of the lowest car insurance rates in Hawaii at around $964 a year. State Farm, GEICO, Liberty Mutual, and Progressive also make the cut as some of the best Hawaii auto insurance companies.

As shown above, if you are insured with Liberty Mutual and switched to State Farm, you could earn an annual premium reduction of roughly $312. Hawaii drivers with Progressive could save as much as $467 a year, and Allstate customers might reduce rates by $797 a year.

To see if you’re overpaying, click here to get quotes or click several companies below for low rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

Bear in mind that those policy rates are averages for all insureds and vehicles and are not factoring in a rate discount in Hawaii. So the auto insurance company that fits your age and vehicle best may not even be shown in the chart above. That points out the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.

The diagram below shows how choosing a deductible can influence annual premium costs when trying to find cheap insurance in Hawaii. The rate quotes are based on a single female driver, comp and collision included, and no discounts are applied.

The data above shows that a 40-year-old driver could cut expenses by $252 a year by increasing from a $100 deductible to a $500 deductible, or save $380 by switching to a $1,000 deductible. Even younger insureds, like the age 20 example, could potentially save up to $640 or even more just by choosing larger deductibles. When using a larger deductible, it is important to have enough in a savings account to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Comparison of full coverage and liability-only policies

Finding the cheapest Hawaii auto insurance is probably important to the majority of people, and one of the quickest ways to save on the cost of insurance is to buy only liability coverage. The example below illustrates the comparison of insurance costs when comparing full coverage to liability only. The prices are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no policy discounts are applied.

Averaged for all ages 20 through 70, physical damage coverage on your policy costs $1,695 per year more than carrying just liability coverage. Many drivers may wonder if physical damage coverage is worth the money. There is no definitive formula to eliminate full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

How to get discounts on Hawaii car insurance rates

Cheaper Hawaii car insurance for drivers in HawaiiInsurance companies that sell the cheapest Hawaii auto insurance may have rate discounts that could potentially reduce rates by as much as 35% or more if you meet specific eligibility requirements. Large car insurance companies and a selection of discounts are included below.

  • AAA offers premium reductions for multi-policy, good driver, multi-car, pay-in-full, AAA membership discount, and anti-theft.
  • Progressive has discounts for multi-vehicle, online signing, online quote discount, continuous coverage, multi-policy, and good student.
  • State Farm offers discounts for passive restraint, multiple policy, student away at school, Steer Clear safe driver discount, good driver, and good student.
  • Esurance policyholders can earn discounts including DriveSense, Pac-12 alumni, Switch & Save, safety device, and online quote.
  • Nationwide may have discounts that include family plan, anti-theft, good student, defensive driving, multi-policy, and accident-free.

The example below illustrates the difference between auto insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no accidents, no driving violations, Hawaii state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, vehicle safety, marriage, multiple policy, safe-driver, and anti-theft discounts applied. When taking advantage of discounts, the average savings per year on car insurance in Hawaii is 28% or $297.

How to find budget-friendly auto insurance in Hawaii

Here are some of the recommended money-saving ideas that can help you get cheap coverage.

  • Full coverage is expensive so only insure older vehicles for liability only
  • Higher physical damage deductibles lower rates
  • Safe vehicles cost less to insure
  • Tickets and violations raise rates
  • Do not get into accidents
  • Good credit scores may lower your rates
  • Compare rates regularly and switch companies to save money

The last suggestion is especially important, as was emphasized in this piece. Insurance prices can be modified anytime, so don’t be afraid to buy a policy from a new company if a more affordable price is available. Brand loyalty is not necessarily bad, but it’s not recommended if that faithfulness ends up costing you big bucks every year. Take a few minutes and compare prices and find cheaper insurance in Hawaii.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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