Best & Cheapest Hawaii Car Insurance as Rated by Customers in 2020
When you’re choosing a Hawaii car insurance company, making sure customer service is one of the company’s top priorities is important. Clearsurance reviews from customers like you can help you decide which Hawaii car insurance company is right for you. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Hawaii. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Hawaii car insurance companies.
In the table above, you can sort through all the Hawaii car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Hawaii car insurance rankings.
Interested in learning more about one of these Hawaii car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.
On this page:
- Who offers the cheapest teen car insurance rates in Hawaii?
- Who offers the cheapest car insurance rates for a married couple in Hawaii?
- Who offers the cheapest senior car insurance rates in Hawaii?
- Minimum car insurance coverage and limits in Hawaii
- Hawaii’s uninsured motorists percentage
Out of the five largest car insurance companies in Hawaii, USAA offers the cheapest auto insurance rates for both male and female teen drivers. Geico offers the next best teen car insurance rates in Hawaii.
|Company||Female teen rates||Male teen rates|
|Farmers Insurance Group||$780||$780|
|State Farm Insurance Company||$545||$545|
These rates are based on profiles for 18-year-old male and female drivers in Hawaii. The car used was a 2015 Honda Civic EX. We used the Minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Hawaii will differ. Rate data is provided by Quadrant Information Services.
Out of the five companies we analyzed, Geico offers the cheapest car insurance rates for married couples in Hawaii on average.
|Company||Married couple rates|
|Farmers Insurance Group||$2,728|
|State Farm Insurance Company||$1,774|
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limts and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Hawaii will differ. Rate data is provided by Quadrant Information Services.
Among five of the largest car insurance companies in Hawaii, USAA provides the cheapest car insurance rates for male and female senior drivers on average.
|Company||Female senior rates||Male senior rates|
|Farmers Insurance Group||$1,649||$1,649|
|State Farm Insurance Company||$957||$957|
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Hawaii will differ. Rate data is provided by Quadrant Information Services.
Hawaii is a no-fault state for auto insurance, and drivers are required to have liability and personal injury protection. Drivers also are required to have uninsured/underinsured motorist for bodily injury coverage, though this coverage can be rejected in writing.
Understanding personal injury protection, also referred to as PIP or no-fault coverage, is important. This coverage pays for injury expenses for you and your passengers after an accident, regardless of who is deemed at fault. In most other states, the driver who caused the accident would foot the bill for injuries to another driver, but because Hawaii is a no-fault state, your own insurance company covers you.
There is an exception here, though. If your injuries exceed $5,000 or they meet a certain threshold, you can file a liability claim against the at-fault driver. Keep in mind that PIP only deals with injuries; if your car is damaged in an accident caused by another driver, their property damage liability will cover it up to their policy limits.
As mentioned above, Hawaii car insurance companies are required to offer uninsured/underinsured motorist coverage. This will help cover you for injuries you or your passengers sustain in an accident caused by a driver without insurance or without enough insurance, or a hit-and-run driver.
You might be wondering: wouldn’t my PIP just cover me in these situations? The answer is yes, but only up to your policy’s limits. So if you’ve exhausted those limits and you decided to reject uninsured/underinsured motorist coverage, you wouldn’t be covered for those additional costs.
That makes it critically important to consider purchasing higher limits than the state minimums, as they likely wouldn’t be enough to cover you in a costly accident. The other thing to consider when selecting a policy is if you want to add any of the optional coverages available, such as collision and comprehensive. You can learn more about different car insurance coverages and what the limits mean here.
Hawaii state minimum requirements:
- Bodily injury — $20,000 per person
- Bodily injury — $40,000 per accident
- Property damage — $10,000 per accident
Personal injury protection:
- $10,000 per person
Bodily injury caused by an uninsured/underinsured motorist:
- $20,000 per person
- $40,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident. This is typically the other car, but also includes things like a home or fence.
According to 2015 data from the Insurance Information Institute, 10.6 percent of Hawaii drivers don’t have car insurance. That is the 30th highest of any state.
How car insurance rates are calculated in Hawaii
When searching and comparing quotes from the best auto insurance companies in Hawaii, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Marital status
- Your car’s make, model and year
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
How to save money on your car insurance in Hawaii
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Hawaii car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
How Clearsurance rates and ranks the best car insurance companies in Hawaii
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Car insurance guide
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.