- The average Hawaii driver pays $803 yearly for car insurance.
- Hawaii doesn't allow age, gender, marital status, or credit scores to determine premium rates.
- Check out our partner Savvy — a free tool that lets you compare car insurance quotes in minutes »
Hawaii drivers pay around $803 a year for car insurance on average, according to the Insurance Information Institute, which is below the national average. Unlike other states, Hawaii does not allow insurance companies to use age, gender, marital status, or credit scores to calculate premiums.
Other factors car insurance companies consider to determine your premium include your location, vehicle type, driving record, previous coverage, and miles driven can all play a role in the amount you'll pay for coverage.
Shopping around for coverage is the best way to make sure you're getting the best price for you. Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.
The most popular car insurance companies in Hawaii based on market share
The following are the most popular car insurance companies in Hawaii, based on the percentage of insured Hawaii drivers who use them:
| Company | Market share (%) |
| GEICO | 27.84 |
| State Farm | 18.28 |
| USAA* | 11.92 |
| Allstate | 9.19 |
| Progressive | 7.71 |
| Farmers Insurance | 5.54 |
| Tokio Marine | 5.03 |
| Liberty Mutual | 4.93 |
| Island Insurance | 3.13 |
| MS&AD Insurance | 2.19 |
| The Hartford | 1.11 |
| Auto Club Exchange | 1.06 |
| DB Insurance Co. | 0.76 |
| American Family Insurance | 0.33 |
| Fairfax Financial | 0.30 |
| Markel | 0.17 |
| Ocean Harbor Insurance | 0.16 |
| AIG | 0.13 |
| Chubb | 0.09 |
| MetLife | 0.03 |
| Pacific Specialty Insurance Company | 0.03 |
| Travelers | 0.03 |
*USAA is only for active military, veterans, and their families.
Data from S&P Global Market Intelligence
The best car insurance for drivers with a clean record
For a driver in Hawaii age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premiums |
| USAA* | $113 |
| State Farm | $113 |
| GEICO | $115 |
| Liberty Mutual | $117 |
| Progressive | $134 |
| Allstate | $139 |
*USAA is only for active military, veterans, and their families.
Above data obtained from Savvy, based on 536 policyholders in the state of Hawaii
Best car insurance for one or more accidents on record
For a driver in Hawaii age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| GEICO | $130 |
| Progressive | $155 |
| State Farm | $158 |
| Allstate | $174 |
Above data obtained from Savvy, based on 536 policyholders in the state of Hawaii
Hawaii car insurance rates by city
Below is the estimated average annual premium of auto insurance policies per household in Hawaii's most populous cities:
| Company | Average annual insurance premium |
| Urban Honolulu | $1,339 |
| East Honolulu | $1,555 |
| Pearl City | $1,454 |
| Hilo | $1,328 |
| Waipahu | $1,426 |
| Kailua | $1,540 |
| Kaneohe | $1,501 |
| Kahului | $1,452 |
| Mililani Town | $1,517 |
| Ewa Gentry | $1,584 |
| Kihei | $1,407 |
| Mililani Mauka | $1,629 |
| Makakilo | $1,549 |
| Schofield Barracks | $1,351 |
| Kapolei | $1,551 |
| Wahiawa | $1,323 |
| Wailuku | $1,435 |
| Royal Kunia | $1,560 |
| Ewa Beach | $1,522 |
| Halawa | $1,489 |
| Waimalu | $1,389 |
| Kailua | $1,373 |
| Waianae | $1,335 |
| Hawaiian Paradise Park | $1,306 |
| Nanakuli | $1,401 |
| Lahaina | $1,391 |
| Waipio | $1,453 |
| Kalaoa | $1,441 |
| Ocean Pointe | $1,627 |
| Kapaa | $1,375 |
| Maili | $1,405 |
| Kaneohe Station | $1,331 |
| Holualoa | $1,402 |
| Waimea | $1,444 |
| Makaha | $1,310 |
| Waihee-Waiehu | $1,522 |
| Aiea | $1,528 |
| Haiku-Pauwela | $1,459 |
| Ahuimanu | $1,528 |
| Hickam Housing | $1,445 |
Data from S&P Global Market Intelligence
Who gets the best cheap car insurance in Hawaii?
Hawaii does not allow credit score, age, gender, nor marital status to be considered as a determining factors for insurance premiums. Therefore, other factors will weigh more, like your driving history, your driving record, where you live, and type of car you drive.
Companies considering multiple factors differently, so it's critical to shop around. Once you have a few different quotes, you'll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you'll pay out-of-pocket if you get into an accident.
The driver who gets the best deal in Hawaii is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you.