Best Car Insurance in Hawaii (2025)
Liberty Mutual, USAA, and State Farm are some of the best car insurance companies in Hawaii.
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Dozens of reputable auto insurance companies serve drivers in Hawaii, so choosing one can be challenging. Drivers have different coverage requirements, preferences, budgets, and more.
To help you find the best car insurance in Hawaii, Insurify analyzed 50 car insurance companies based on coverage options, discounts, price, claims satisfaction, and other important factors. Here’s the best car insurance for drivers in the Aloha State.
Best car insurance companies in Hawaii
Before you choose a car insurance company in Hawaii, it’s a good idea to compare several insurers. Based on Insurify’s in-depth evaluation, these five auto insurance companies are the best options for Hawaii drivers.
Liberty Mutual: Best overall
USAA: Best for military families
GEICO: Best for discounts
Progressive: Best for digital experience
State Farm: Best for policy bundling
Our editorial team analyzed regional and national auto insurance companies that sell policies in Hawaii to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Hawaii
The best car insurance company in Hawaii is different for every driver. If you’re shopping for auto insurance in the Aloha State, here are some things to consider.1
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Average cost of car insurance in Hawaii
The average cost of car insurance in Hawaii is $58 per month for minimum coverage and $131 per month for full coverage. Average car insurance premiums in Hawaii are much lower than the U.S. national average.
Remember that insurers personalize car insurance premiums for each person. Factors like your ZIP code, driving record, vehicle type, coverage limits, and deductibles can affect your rate. Most Hawaii car insurance companies also offer discounts, which could help you get a lower premium.2
Best car insurance in Hawaii FAQs
If you’re shopping for auto insurance in Hawaii, here’s some information that could help you find the best policy.
How much is car insurance in Hawaii?
Car insurance in Hawaii costs an average of $95 per month, Insurify data shows. Liability-only insurance costs $58 per month, and full coverage costs $131 per month.
What are the best car insurance companies in Hawaii?
Some of the best car insurance companies for Hawaii drivers are Liberty Mutual, USAA, State Farm, and GEICO. But there isn’t a single best car insurance company in Hawaii for every driver. The best auto insurance company is the one that offers the coverage you need at the most affordable price.
What is the required auto insurance coverage amount in Hawaii?
Drivers in Hawaii are required to carry at least 20/40/10 in personal liability insurance. That includes $20,000 in bodily injury liability insurance per person, $40,000 in bodily injury liability insurance per accident, and $10,000 in property damage liability insurance per accident. Drivers also must carry $10,000 in personal injury protection (PIP).3
Uninsured motorist/underinsured motorist insurance (UM/UIM) is optional, but insurers still offer this coverage to all customers. Depending on your situation, you can decline uninsured motorist coverage through signing a waiver.
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