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Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers. Updated Oct 21, 2022 Find cheaper car insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Get my free quotes Select from a variety of trusted carriers + MORE How it works Caret Down Get matched with personalized offers Tell us a little about yourself so we can share accurate and personalized offers. We only ask for info we know will impact your rate. Choose the best policy for you Compare your options from carriers who want to work with you, and select as many offers as you'd like. Finalize your rate and policy details Once you pick the carrier you want, finish the process by phone with an trusted agent or entirely online. That's it! On This Page
Compare rates and save on auto insurance today! Get quotes Close X There are living in Hawaii. Every resident with a vehicle registered on the Big Island is required to carry a minimum amount of car insurance, which protects drivers legally and financially in the event of an at-fault accident. is moderately priced. The pays $1,127 annually for a full coverage policy and $345 annually for a minimum coverage policy. However, every car insurance company charges a different rate and some providers are cheaper than others. See More The cheapest car insurance in Hawaii
There are several popular providers that offer in Hawaii. The table below includes the most affordable carriers on the Big Island and their average annual minimum coverage and full coverage premiums: Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage USAA $259 $1,052 Geico $302 $1,061 State Farm $326 $1,054 Island $386 $1,606 Allstate $383 $1,134 This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. USAA
USAA car insurance is available to Hawaiians who actively serve in the military or are retired veterans. In addition to affordable rates, USAA also offers highly-rated customer service and good coverage. The average Hawaii driver will pay $1,052 annually for full coverage insurance and $259 annually for minimum coverage insurance. USAA indicates that its members who switch from different insurance companies to USAA auto insurance can save an average of $707 per year. Customers can take advantage of for being smart students, safe drivers, long-term customers, taking a driver training course, garaging a vehicle on a military base and driving under a certain number of miles each year. Learn more: Geico
Geico is known for selling to drivers in Hawaii and around the country. The average driver in Hawaii pays $1,061 per year for a full coverage insurance policy and $302 per year for a minimum coverage insurance policy. However, insurance coverage from Geico is basic, and may not be the best option for drivers who want customizable coverage. With a policy from Geico, drivers in Hawaii get access to a long list of unique . There are savings for military personnel, federal employees, employee or membership groups, good students, taking a defensive driving course, going on emergency deployment, insuring multiple vehicles and having a car with advanced safety features. Learn more: State Farm
State Farm car insurance is highly rated and, since 1942, has been the in the United States. Drivers in Hawaii pay an average of $1,054 per year for full coverage insurance and $326 per year for minimum coverage insurance from State Farm. The company also offers generous for even more savings. State Farm has several popular discounts for good students, being accident-free and bundling policies, among other savings. Additionally, State Farm has two types of safe driver discount programs: for young drivers and for adults. Learn more: Island
Island Insurance has been the go-to carrier for Hawaiian families for over 75 years. You can save on car insurance if you drive a hybrid vehicle, have multiple policies with Island or keep continuous coverage. Basic coverage is competitively priced at just $386 per year. However, full coverage at $1,606 per year is not the cheapest compared to the other four carriers. As the name implies, Island Insurance focuses on coverage for the Hawaiian Islands only, ensuring friendly, local service and insurance that meets the needs of Hawaiian vehicle owners. Allstate
Allstate car insurance is a good option for Hawaii drivers who are looking for customizable coverage options. Allstate sells unique coverages like rideshare insurance, sound system insurance and accident forgiveness. There is also a pay-per-mile policy, called , which is ideal for infrequent drivers who want affordable coverage. In Hawaii, the average full coverage policy from Allstate costs $1,134 and the average minimum coverage policy costs $383 per year. Drivers can save even more by qualifying for such as insuring a new car, having a car with anti-lock brakes, signing a policy early, paying in full and consistently making payments on time. Learn more: Minimum coverage for Hawaii drivers
Car insurance is legally required in Hawaii. Drivers must carry at least in personal liability insurance. This includes $20,000 bodily injury liability coverage per person, $40,000 bodily injury liability coverage per accident and $10,000 in property damage liability coverage per accident. In addition, Hawaii is a no-fault state, which means drivers are required to carry at least $10,000 in personal injury protection (PIP). PIP insurance covers medical bills, lost wages and other reasonable healthcare expenses when a driver gets into an accident, regardless of which driver was responsible. Drivers in Hawaii who purchase minimum coverage insurance pay the lowest rate. However, there is no guarantee that Hawaii’s minimum insurance requirements will cover the full cost of an accident. Because of that, it is recommended that most drivers purchase coverage beyond the required amount. How to get cheap car insurance in Hawaii
Drivers can begin their search for the cheapest auto insurance in Hawaii by choosing the right provider based on their needs. There are also several other things drivers should consider when searching for affordable car insurance: Compare rates: When researching insurance providers, get quotes from several different car insurance companies and compare them. By comparing rates from multiple providers, you will likely be able to determine which company will be your cheapest option based on the type and amount of coverage you need. Look for discounts: Taking advantage of discounts can lower your car insurance premium. Pay special attention to insurance companies that offer multiple discounts you may qualify for. Pay in full: If you can afford to pay your annual insurance premium upfront, you can probably earn a small discount on your policy. Some insurance companies also offer discounts for paying bi-annually or quarterly, rather than monthly. Raise the deductible: Having a higher deductible will lower your monthly premium. However, raising the deductible may cause your out-of-pocket costs for a claim to be higher. It is important for drivers to carefully consider the trade-offs and their needs before deciding if this option works best for them. Frequently asked questions
Some of the are Geico, State Farm, Allstate and Liberty Mutual. However, the best provider is different for every driver. To find the best insurance company for you, shop around and compare providers based on your needs and preferences.
The average driver in the United States pays for a full coverage insurance policy. In Hawaii, the average full coverage policy costs $1,127 per year. Drivers in Hawaii pay significantly less for car insurance compared to the national average.
Your ZIP code, claims history and the type of car you drive, among other factors, can all affect your premium. In Hawaii, insurance companies are not allowed to consider your credit score, age or gender when calculating your car insurance premium. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Written by Elizabeth Rivelli Insurance Contributor Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers.