Cheapest Car Insurance in Hawaii (2026)
GEICO leads minimum coverage at $23/month. Hawaii drivers pay an average of $138/month for full coverage. Verified May 2026 against state insurance commissioner and 2026 carrier analyses.
Updated May 1, 2026 · WebSearch-verified state minimums (40/80/20 + $10K PIP — minimums DOUBLED Jan 1, 2026 (was 20/40/10)), average costs, and cheapest-carrier rankings.
Quick Answer — Hawaii
- Minimum coverage required: 40/80/20 + $10K PIP — minimums DOUBLED Jan 1, 2026 (was 20/40/10)
- Avg full coverage cost: $138/month ($1,653/year)
- Cheapest carrier (minimum): GEICO — $23/mo avg
- Cheapest carrier (full coverage): GEICO (or Island Insurance / USAA for military) — $66/mo avg
What's special about car insurance in Hawaii
- BANS credit-based insurance pricing (one of 5 states — also CA, MA, MI, NJ)
- MAJOR CHANGE Jan 1, 2026: minimums DOUBLED from 20/40/10 to 40/80/20 — must update existing policies
- No-fault state with $10K mandatory PIP
- Hawaii also bans use of gender, age, length of driving experience, and marital status in pricing
- Island Insurance (regional Hawaii-only) consistently competitive for HI residents
Hawaii car insurance at a glance
| Feature | Detail | Monthly | Annual |
|---|---|---|---|
| Minimum coverage required | 40/80/20 + $10K PIP — minimums DOUBLED Jan 1, 2026 (was 20/40/10) | — | — |
| Avg minimum coverage cost | $44/mo | $525/yr | — |
| Avg full coverage cost | $138/mo | $1,653/yr | — |
| Cheapest carrier (minimum) | GEICOBest | $23/mo | $276/yr |
| Cheapest carrier (full coverage) | GEICO (or Island Insurance / USAA for military)Best | $66/mo | $792/yr |
Which carrier should Hawaii drivers pick?
Match your situation to the right carrier. Hawaii-specific pricing varies by carrier, but the patterns below hold for most drivers.
- You want the absolute cheapest minimum coverage→ GEICOCheapest in Hawaii at $23/mo.
- You want full coverage at the lowest price→ GEICO (or Island Insurance / USAA for military)$66/mo full coverage in Hawaii. Island Insurance is regional Hawaii-only; USAA cheapest for military
- You qualify for USAA (military / veteran / family)→ USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
- You bundle auto + home→ State Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
- You drive defensively + would let an app monitor→ Progressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
- You have a high-risk record (DUI, accidents, tickets)→ ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.
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$23/mo
Cheapest minimum coverage
$138/mo
State avg full coverage
40/80/20 + $10K PIP
State minimum required
May 2026
Last verified
Our methodology: We research, test, and verify every opportunity to ensure accuracy and value.
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Methodology & sources
All Hawaii data on this page was WebSearch-verified May 2026 against the Hawaii insurance commissioner / DMV and at least one of the following 2026 carrier analyses:
Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.
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