{"id":324466,"date":"2025-11-12T14:05:17","date_gmt":"2025-11-12T19:05:17","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=86236"},"modified":"2025-11-12T14:05:17","modified_gmt":"2025-11-12T19:05:17","slug":"best-in-hawaii","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-hawaii\/","title":{"rendered":"Best Hawaii Car Insurance Companies of 2025"},"content":{"rendered":"\n<p>Finding the best car insurance in Hawaii can help you save money on rates and ensure you get the coverage that you need. Still, what\u2019s best for one driver isn\u2019t always best for another. When looking for the best car insurance for you, it helps to shop around and compare numerous companies. Considering rates, customer satisfaction, coverage options, discounts, and financial strength, we\u2019ve compiled a list of<a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\"> the best car insurance companies<\/a> in Hawaii. Below are four strong picks for Hawaii drivers based on our latest analysis.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 4 Best Auto Insurance Companies in Hawaii<\/h2>\n\n\n\n<ul>\n<li><strong><a href=\"#low-prices\" rel=\"nofollow\" class=\"achor-toggles\">Geico<\/a>:<\/strong> Best for Low Prices<\/li>\n\n\n\n<li><strong><a href=\"#military-families\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>:<\/strong> Best for Military-Focused Coverage<\/li>\n\n\n\n<li><strong><a href=\"#coverage-options\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>:<\/strong> Best for Coverage Options<\/li>\n\n\n\n<li><strong><a href=\"#online-resources\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>:<\/strong> Best for Online Resources<\/li>\n<\/ul>\n\n\n\t\t\n<section id=\"block_5fd278fbb6da1\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Car Insurance Companies in Hawaii<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\t Average Price for State Minimum* \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\t Average Price for Full Coverage* \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\t AM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\t <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-claims-satisfaction-study\">J.D. Power Overall Customer Satisfaction<\/a>\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fd278fbb6da1-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$319<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> $1,081<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> 881\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd278fbb6da1-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA**<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> $283<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> $1,009<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> 909\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd278fbb6da1-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> $372<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> $1,069<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> 892\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd278fbb6da1-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> $510<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> $1,260<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> 870\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>*Recent statewide averages are synthesized from multiple 2024\u20132025 rate studies (Bankrate, NerdWallet, The Zebra, ValuePenguin); individual quotes will vary.<\/em><\/p>\n\n\n\n<p><em>**Not officially ranked by J.D. Power due to eligibility restrictions<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"low-prices\" title=\"Best for Low Prices\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Geico<\/h2>\n\n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Low Prices<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico offers low average car insurance prices in Hawaii, paired with a long list of discounts to help you save even more.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,081*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">881\/1,000<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico offers low average car insurance prices in Hawaii, paired with a long list of discounts to help you save even more.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low average annual premiums<\/li>\n                            <li>Valuable digital tools<\/li>\n                            <li>Variety of discounts<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No gap coverage<\/li>\n                                        <li>No hybrid\/electric car discount<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mechanical breakdown<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal injury protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured &amp; underinsured motorist<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency deployment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good driver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Membership &amp; employee<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Military<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seat belt use<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vehicle equipment features<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Geico:<\/h4>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\">Geico auto insurance review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/geico-review\/\" class=\"achor-toggles\">Geico homeowners insurance review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\">Geico vs. State Farm car insurance<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"military-families\" title=\"Best for Military-Focused Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA scores well with third-party rating companies like AM Best and J.D. Power and offers competitive rates for military-focused coverage.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,009*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">909**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA scores well with third-party rating companies like AM Best and J.D. Power and offers competitive rates for military-focused coverage.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>All-in-one service<\/li>\n                            <li>Exceptional customer care ratings<\/li>\n                            <li>Excellent online support community<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Available only to military members, veterans, and qualifying family members<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident forgiveness<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal injury protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured &amp; underinsured motorist<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bundled policies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good driver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anti-theft devices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Annual mileage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vehicle storage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Family discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Military installation<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on USAA:<\/h4>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA auto insurance review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA homeowners insurance review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">USAA renters insurance review<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"coverage-options\" title=\"Best for Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Coverage Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm offers a wide range of coverage options, scores well with AM Best and J.D. Power, and has numerous potential discounts to help with costs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,069*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">892**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm offers a wide range of coverage options, scores well with AM Best and J.D. Power, and has numerous potential discounts to help with costs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Above-average claims satisfaction<\/li>\n                            <li>Expansive coverage options<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Fewer discounts than some<\/li>\n                                        <li>No accident forgiveness for the first 9 years as a customer<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental and travel expense<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rideshare driver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured &amp; underinsured motorist<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Drive Safe &amp; Save<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good driving<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-car<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multiple-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Passive restraint discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vehicle safety features<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on State Farm:<\/h4>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\" class=\"achor-toggles\">State Farm auto insurance review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm homeowners insurance review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\" class=\"achor-toggles\">Geico vs. State Farm<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"online-resources\" title=\"Best for Online Resources\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Online Resources<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate scores well with AM Best and J.D. Power and has extensive digital conveniences for its customers, including online portals and a mobile app.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,571352,6720045&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/affiliate-autoplanners.html?CID=AFF-REV-AU-073845-200616&#038;campaign=444490000073845&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,260*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">870**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate scores well with AM Best and J.D. Power and has extensive digital conveniences for its customers, including online portals and a mobile app.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Lots of discounts<\/li>\n                            <li>Many digital resources<\/li>\n                            <li>Simplified claims process<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Below-average customer satisfaction ratings<\/li>\n                                        <li>High average annual premiums<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal injury protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal umbrella<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sound system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured &amp; underinsured motorist<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anti-lock brake<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anti-theft device<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Auto-pay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Early signing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Full pay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New car<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless billing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Responsible payer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe driving<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smart student<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Allstate:<\/h4>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate auto insurance review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate homeowners insurance review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate renters insurance review<\/a><\/li>\n<\/ul>\n\n\n\n<p><em>*Recent statewide averages are synthesized from multiple 2024\u20132025 rate studies (Bankrate, NerdWallet, The Zebra, ValuePenguin); individual quotes will vary.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power 2025 U.S. Auto Insurance Study and 2025 Auto Claims Satisfaction Study<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to Hawaii Car Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Hawaii<\/h2>\n\n\n\n<p>The typical annual cost of car insurance in Hawaii clusters around $300\u2013$600 for minimum coverage and roughly $1,200\u2013$1,500 for full coverage based on 2024\u20132025 statewide studies from major sources. Prices rose sharply through 2024 and have remained elevated into 2025, so your quotes may land toward the high end of these ranges. Because auto insurance is individualized by driver, vehicle, ZIP code, and coverage choices, your rate may differ. Still, knowing these Hawaii benchmarks can help you identify affordable policies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Hawaii<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>Often near the low end of Hawaii\u2019s minimum-coverage range ($300\u2013$600)<\/td><\/tr><tr><td>Geico<\/td><td>Typically within $300\u2013$600 (minimum coverage), depending on profile<\/td><\/tr><tr><td>State Farm<\/td><td>Typically within $300\u2013$600 (minimum coverage), depending on profile<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Benchmarks reflect 2024\u20132025 statewide studies; figures reference the state\u2019s minimum required coverage and vary by driver profile.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 2 Most Expensive Car Insurance Companies in Hawaii<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium<\/strong><\/td><\/tr><tr><td>Island<\/td><td>Often at the higher end of the state\u2019s minimum-coverage range; some profiles may exceed $600<\/td><\/tr><tr><td>Allstate<\/td><td>Often at the higher end of the state\u2019s minimum-coverage range; some profiles may exceed $600<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Benchmarks reflect 2024\u20132025 statewide studies; figures reference the state\u2019s minimum required coverage and vary by driver profile.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Hawaii<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Hilo<\/td><td>Often near the low end of Hawaii\u2019s minimum-coverage range<\/td><\/tr><tr><td>Kahului<\/td><td>Often near the low end of Hawaii\u2019s minimum-coverage range<\/td><\/tr><tr><td>Kaneohe<\/td><td>Often near the low end of Hawaii\u2019s minimum-coverage range<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* City rankings synthesized from multiple 2024\u20132025 studies; exact dollar amounts vary by source, driver profile, and coverage.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Hawaii<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Honolulu<\/td><td>Often above the statewide minimum-coverage average<\/td><\/tr><tr><td>Waipahu<\/td><td>Often above the statewide minimum-coverage average<\/td><\/tr><tr><td>Kapolei<\/td><td>Often above the statewide minimum-coverage average<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* City rankings synthesized from multiple 2024\u20132025 studies; exact dollar amounts vary by source, driver profile, and coverage.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Car Insurance Add-Ons That May Further Protect You&nbsp;<\/h2>\n\n\n\n<ul>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/what-is-gap-insurance\/\">Gap insurance<\/a>: This optional insurance covers the difference between the cash value of your vehicle and the amount you owe on your loan in the event you total your vehicle. Typical cost through an insurer is about $20\u2013$60 per year; dealer-sold GAP is often a one-time $400\u2013$700.<\/li>\n\n\n\n<li>Roadside assistance: Your insurance company\u2019s roadside assistance may provide towing, flat tire, battery service, and more if you get stranded on the side of the road, and often costs about $10\u2013$75 per year when added to your policy.<\/li>\n\n\n\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/why-you-need-rideshare-insurance\/\">Rideshare<\/a>: Rideshare drivers may require additional coverage to protect them during app-on periods before a ride is accepted; endorsements typically cost about $10\u2013$30 per month with many insurers.<\/li>\n\n\n\n<li>Accident forgiveness: Car insurance rates typically<a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/how-car-accident-affect-insurance\/\"> increase after an accident<\/a>. Optional accident forgiveness coverage ensures your rates will not increase after just one accident.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Guide to Hawaii Car Insurance&nbsp;<\/h2>\n\n\n\n<p>Like most states, Hawaii has unique car insurance laws that drivers should be aware of. Hawaii is a no-fault state that requires bodily injury and property damage liability plus at least $10,000 in personal injury protection (PIP). Insurers must offer uninsured\/underinsured motorist (UM\/UIM) coverage, which you may reject in writing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hawaii Minimum Insurance Requirements<\/h3>\n\n\n\n<p>Hawaii requires that all drivers carry a<a href=\"https:\/\/cca.hawaii.gov\/ins\/consumers\/auto\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> minimum amount of both bodily injury and property damage liability insurance<\/a>. Those who fail to carry insurance may be subject to fines or have to surrender their vehicle registration and license plates. Drivers must also maintain at least $10,000 in PIP and carry proof of insurance to register and operate a vehicle; UM\/UIM must be offered and can be declined in writing.<\/p>\n\n\n\n<p>Hawaii minimum auto insurance requirements:<\/p>\n\n\n\n<ul>\n<li>$20,000 per accident bodily injury liability for one person<\/li>\n\n\n\n<li>$40,000 per accident bodily injury liability for two or more people<\/li>\n\n\n\n<li>$10,000 per accident property damage liability<\/li>\n\n\n\n<li>$10,000 per covered person per accident of personal injury protection<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Hawaii\u2019s No-Fault Law&nbsp;<\/h3>\n\n\n\n<p>Hawaii is a<a href=\"https:\/\/cca.hawaii.gov\/ins\/consumers\/auto\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> no-fault car insurance state<\/a>, which means that in the event of an accident, each person is responsible for their own medical bills rather than the at-fault driver taking financial responsibility. As a result, Hawaii requires all drivers to carry personal injury protection, which will cover their medical bills and financial losses in an accident up to the policy limits. The minimum personal injury protection required in Hawaii is $10,000. You may pursue noneconomic damages against an at-fault driver only if medical expenses exceed $5,000, there is a qualifying serious permanent injury or disfigurement, or death.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"> Hawaii Car Insurance FAQ <\/h2>\n\n\n<div id=\"block_61b8bb2658427\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the minimum car insurance required in Hawaii?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Hawaii drivers must carry liability insurance for both bodily injury and property damage, plus at least $10,000 in personal injury protection (PIP). Insurers must also offer uninsured\/underinsured motorist (UM\/UIM) coverage, which you can decline in writing. Carry proof of insurance to register and operate a vehicle.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61b8bb3c58428\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average auto insurance cost in Hawaii?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Most recent statewide studies place Hawaii around $300\u2013$600 per year for minimum coverage and roughly $1,200\u2013$1,500 per year for full coverage. Your rates will vary based on your vehicle, coverage, driving record, ZIP code and discounts.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61b8bb4a58429\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest car insurance company in Hawaii?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">It depends on your profile, but USAA (if eligible) and Geico often quote among the lowest for many drivers. State Farm and local Island Insurance can also be competitive. Always compare multiple carriers to find your best price.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.&nbsp;<\/p>\n\n\n\n<p>As for average pricing, we synthesized 2024\u20132025 statewide averages for car insurance in Hawaii from leading industry studies (e.g., Bankrate, NerdWallet, The Zebra, ValuePenguin), which commonly model a good driver around age 35\u201340 with standard full-coverage limits. For full coverage, the details used were the following:<\/p>\n\n\n\n<ul>\n<li>$100,000 bodily injury liability per person<\/li>\n\n\n\n<li>$300,000 bodily injury liability per accident<\/li>\n\n\n\n<li>$50,000 property damage liability per accident<\/li>\n\n\n\n<li>$100,000 uninsured motorist bodily injury per person<\/li>\n\n\n\n<li>$300,000 uninsured motorist bodily injury per accident<\/li>\n\n\n\n<li>$500 collision deductible<\/li>\n\n\n\n<li>$500 comprehensive deductible<\/li>\n<\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.&nbsp;<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finding the best car insurance in Hawaii can help you save money on rates and ensure you get the coverage that you need. Still, what\u2019s best for one driver isn\u2019t always best for another. When looking for the best car insurance for you, it helps to shop around and compare numerous companies. Considering rates, customer [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358530,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[18533],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Hawaii Car Insurance Companies of 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"We Analyzed important factors like customer satisfaction, coverage options, and affordability, as well as financial strength and available discounts.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-hawaii\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" 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