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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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
Table of contents
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
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $172/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $248/mo |
3.7
A solid optionBased on 2,887 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,680)
Jeannette
April 15, 2025
Verified Review
Expensive Rates
It's too expensive. They should stop all the unnecessary TV commercials.
Jim
April 14, 2025
Verified Review
Unsatisfactory Experience
Someone hit my car and they convinced me to pay the deductible to fix my car. They promised they would recoup my money from the other person's insurance. However, after a week of me paying, they decided they weren't going to pursue it any further.
Barbara
April 14, 2025
Verified Review
Good to a point
Their customer service is excellent. They resolve claims quickly. However, their roadside service leaves much to be desired. Unfortunately, I found this out too late. They only provide assistance for mechanical breakdowns, which does not include flat tires. After filing one claim with them after three years (or possibly more), my rate increased significantly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual offers an excellent selection of coverage options for Hawaii drivers. Some of its available endorsements include gap insurance, OEM coverage, teachers’ auto insurance, new car replacement coverage, and accident forgiveness. The company also has an impressive list of discounts with generous savings. Plus, Liberty Mutual is rated above average for overall claims satisfaction by J.D. Power.
Pros
Many available endorsements
13 available discounts
Great claims satisfaction score
Cons
Higher premiums than competitors
Many more complaints than expected with the National Association of Insurance Commissioners (NAIC)
RightTrack safe driver program not available in Hawaii
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
4.9
Best choiceBased on 1,918 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,114)
Peter
April 16, 2025
Verified Review
Excellent Insurance, Although Expensive
I rely on the excellent support provided by USAA.
Richard
April 14, 2025
Verified Review
Auto Premiums Becoming Unaffordable for Senior Vets; Homeowners Insurance Not Direct
This company provided great car insurance for decades. However, increasing premiums have led me to start comparison shopping.
Alan
April 14, 2025
Verified Review
Time for a Change
Great experience.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA exclusively insures active-duty and retired military personnel and their spouses and children. The company is highly rated by J.D. Power for overall claims satisfaction, and it has an AM Best financial strength rating of A++ (Superior). USAA also stands out for its car insurance discounts, with savings for safe drivers, good students, policy bundling, garaging a vehicle on a military base, loyal customers, and more.
Pros
Many available discounts
Two telematics programs
Excellent third-party ratings
Cons
Only available to eligible drivers in the military
Few available endorsements
More complaints than expected with the NAIC
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $116/mo |
4.0
Best choiceBased on 11,420 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,246)
Joel
April 16, 2025
Verified Review
Best rates out there
Excellent.
Juan
April 16, 2025
Verified Review
Excellent
Very good.
Paul
April 16, 2025
Verified Review
Price
It's good, but the price is increasing every year and it's not worth it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
For Hawaii drivers looking for cheap car insurance, GEICO offers a big selection of discounts that could lead to big savings. GEICO has discounts for military personnel, going on emergency deployment, federal employees, affinity group members, smart students, safe drivers, insuring a car with anti-lock brakes, and many others.
Pros
More than 20 available discounts
24/7 online customer service
AM Best financial strength rating of A++ (Superior)
Cons
Limited number of available endorsements
Below-average J.D. Power claims satisfaction score
Rideshare coverage not available
Progressive: Best for digital experience
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $99/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $150/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,642)
Charles
April 16, 2025
Verified Review
Promised savings that didn't materialize
They provided me with an insurance policy for my first car, which was quite expensive. Later, they sent me an email suggesting I could save more by bundling my car insurance with my renter's insurance. However, this turned out to be untrue as I didn't end up getting a better deal. They also sent me an email offering a free policy review, promising 'tons of savings options'. But, there were no additional savings for me. It's hard to believe they can make such misleading claims.
Deborah
April 16, 2025
Verified Review
Excellent
If only they would stop raising the price every year.
Tonya
April 16, 2025
Verified Review
Very Good Experience
Keep up the great work.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive is the best car insurance company in Hawaii for digital experience. In the J.D. Power 2024 U.S. Insurance Digital Experience Study, Progressive was the top-rated company for service. One of Progressive’s standout digital features is the Name Your Price tool, which helps you find the best coverage based on your budget. You can also compare rates instantly using the AutoQuote Explorer tool.
Pros
Above-average ratings for digital service and shopping
Several digital tools for finding budget-friendly coverage
Highly rated mobile app
Cons
Very poor J.D. Power rating for claims satisfaction
High number of complaints with the NAIC
Large accident forgiveness only available after five years claims-free
State Farm: Best for policy bundling
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
4.2
Best choiceBased on 10,502 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,785)
Daniel
April 16, 2025
Verified Review
Good
It's expensive, but they are good at paying claims.
Betina
April 16, 2025
Verified Review
Great! Need Lower Cost!
The experience is great! As a retired senior citizen, I'm struggling to make ends meet. I need a cheaper/lower cost premium.
Juanita
April 16, 2025
Verified Review
I am the Policyholder
I am very satisfied. I wouldn't go anywhere else.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the best car insurance company in Hawaii for policy bundling. On its website, State Farm advertises that customers who bundle auto insurance with homeowners, renters, condo, or life insurance can save up to $1,273 on their combined premium. State Farm also offers other car insurance discounts for potential savings, including two telematics-based safe driver rewards programs for adults and one for young drivers younger than 25.
Pros
Better bundling discount than most competitors
High J.D. Power customer satisfaction score
Safe driver rewards programs for adults and teens
Cons
Below-average J.D. Power rating for digital shopping
Limited number of available endorsements
Gap insurance not available
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]
Think about your coverage needs
It’s important to choose an insurance company that offers the types of coverage that are right for your situation. All insurers offer standard minimum-coverage and full-coverage policies, but you should find out what endorsements are available.
For example, if you have new drivers on your policy, you might consider adding accident forgiveness or roadside assistance. If you recently purchased a new car, you might benefit from adding new car replacement coverage.
Consider customer service scores
Customer service should be one of your biggest considerations when selecting a car insurance company. Research the company’s third-party ratings for overall customer satisfaction and claims satisfaction from J.D. Power, and find out what customer service options the company has. For example, some insurers offer live chat through their website, 24/7 phone support, and mobile claims reporting.
Read reviews from policyholders
Before you choose a car insurance company, it can be helpful to read online reviews from current and past policyholders. Customer reviews can give you better insight into the company’s customer service, claims-handling practices, policy renewals, and more. You can also check the NAIC Complaint Index to see how many complaints an insurer receives in relation to its size.
Compare quotes from multiple insurers
Car insurance premiums differ for every driver based on personal factors and policy preferences. Additionally, the insurance company you choose can have a big effect on your premium. To find the most affordable car insurance policy in Hawaii for your situation, it’s a good idea to compare rate quotes from several different companies.
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4.8/5
Average cost of car insurance in Hawaii
The average cost of car insurance in Hawaii is $73 per month for minimum coverage and $139 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, credit, gender, 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 $106 per month, Insurify data shows. Liability-only insurance costs $73 per month, and full coverage costs $139 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 is optional.
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Sources
- III. "What determines the price of an auto insurance policy?."
- III. "Nine ways to lower your auto insurance costs."
- Hawaii.gov. "Insurance | Motor Vehicle Insurance Information."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.