Finance & accounting · Ranked by price to features
8 Best Car Insurance in Hawaii of 2026
By the Rankozo research desk · Updated November 11, 2026 · Next review December 26, 2026
State Farm is the best car insurance to have in Hawaii in 2026 for most drivers because its Hawaii discount list rewards clean records with both a Good Driving and an Accident-Free Discount, on top of Drive Safe & Save savings of up to 30%. USAA suits military families, whose Hawaii members paid $115 a month on average in 2025, and FICOH is the pick for a Hawaii-based insurer with local adjusters. The lowest published figure we found, as of November 2026, is Progressive's $87.56 a month average for a liability-only policy in low-cost states like Hawaii.
- Tools ranked
- 8
- With free plan
- 0
- Cheapest paid plan
- See table
By the numbers
- $81,905US households (consumer units) spent an average of $81,905 in 2025, up 4.3 percent from 2024.U.S. Bureau of Labor Statistics
- $27,790US households spent an average of $27,790 on housing in 2025, 33.9 percent of total spending.U.S. Bureau of Labor Statistics
- 3.7%US consumer prices rose 3.7 percent in the 12 months to September 2026, before seasonal adjustment.U.S. Bureau of Labor Statistics
- 63%63 percent of US adults said in 2025 that they would cover a $400 emergency expense with cash or its equivalent, unchanged from 2024.Federal Reserve Board
- 47%Only 47 percent of Americans said they had enough savings or access to funds to cover a $1,000 emergency expense in Bankrate's 2026 survey.Bankrate
- 3.8%The US personal saving rate, personal saving as a share of disposable income, was 3.8 percent in September 2026, according to the Bureau of Economic Analysis.U.S. Bureau of Economic Analysis
Comparison table
| Tool | |||||
|---|---|---|---|---|---|
| State Farm | 01 | 8.9 | 9.0 | Check price | No |
| USAA | 02 | 8.8 | 9.0 | Customper month, Hawaii member average | No |
| Progressive | 03 | 8.7 | 8.8 | Customper month, liability-only average for low-cost states including Hawaii | No |
| AARP Auto Insurance from The Hartford | 04 | 8.4 | 8.3 | Customper month, Hawaii customer average | No |
| First Insurance Company of Hawaii (FICOH) | 05 | 8.4 | 8.9 | Check price | No |
| Amica Mutual | 06 | 8.3 | 8.2 | Check price | No |
| Allstate | 07 | 8.2 | 7.8 | Check price | No |
| Travelers | 08 | 7.8 | 7.8 | Check price | No |
Click a column to sort. Prices are the cheapest paid plan quoted from each vendor's US pricing page; "Check price" means the US price check is pending.
How this ranking works
One method for every tool. We compared documented features and published prices; we did not run hands-on tests. Value carries the most weight.
Full methodThis list is for Hawaii drivers comparing insurers on local rates, claims service and coverage options. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Hawaii is a no-fault state, and on January 1, 2026 it doubled its minimum liability limits to $40,000 per person, $80,000 per accident and $20,000 for property damage, alongside $10,000 of personal injury protection. Few insurers publish a Hawaii price, so we quote the figures that USAA, The Hartford and Progressive publish and mark the rest as pending. GEICO, Island Insurance and Farmers Insurance Hawaii pages did not load for us, so they are left out, and DTRIC is not listed because it no longer issues new policies.
The verdict
State Farm is the first quote to get in Hawaii. Its Hawaii discount page pairs a Good Driving Discount for new customers with an Accident-Free Discount after three claim-free years, and Drive Safe & Save adds up to 30%. USAA is the best value for anyone eligible, with a published Hawaii member average of $115 a month in 2025, and Progressive is the price benchmark at $87.56 a month for liability-only cover in its low-cost states, which include Hawaii. FICOH is the strongest local choice, insuring the islands since 1911 with a loss-free credit of up to 40%. AARP members should add The Hartford, Amica suits multi-policy households, Allstate covers rideshare and EV drivers, and Travelers fits clients of independent agents.
- 01Top value
State Farm
8.9/10Agent-based national insurer with a Hawaii-specific discount schedule and agents from Honolulu to Kona.
- Free plan
- No
- Value (40%)
- 9.0
- Features (35%)
- 8.9
- Ease of use (25%)
- 8.8
Best forHawaii households that want a local agent and long-term safe-driver discounts
State Farm is the strongest all-round pick for Hawaii drivers because it is one of the few large insurers that publishes a discount list specific to the state. That Hawaii page lists an Accident-Free Discount that starts after your car has been insured with State Farm for three continuous years without a chargeable accident, and it may grow if the record stays clean. New customers can use the Good Driving Discount instead, which requires every household driver to have no moving violations or at-fault accidents in the past three years. Drive Safe & Save adds up to 30% for safe driving plus an initial discount just for enrolling. Multi-car households and customers who also hold State Farm home, renters, condo, life or health policies get further discounts, and 1994 and newer cars can earn a Vehicle Safety Discount. Claims go through the app, online or by phone, and the company lists more than 19,000 auto agents nationwide. The downside is that State Farm publishes no Hawaii price, so you must request a quote.
- ✓Publishes a discount list written for Hawaii drivers
- ✓More than 19,000 State Farm auto agents nationwide, and a Hawaii page that points you to a local agent
- ✓Vehicle Safety Discount for 1994 and newer private-passenger vehicles based on make and model loss experience
- ✕No published Hawaii price, so you need a quote to compare
- ✕Drive Safe & Save requires setup of the telematics program
- ✕The Accident-Free Discount only starts after three years as a customer
- Telematics discount:
- Up to 30% with Drive Safe & Save
- Accident-Free Discount:
- After 3 continuous years
- Agents:
- 19,000+ nationwide
- Buying:
- Local agent, online quote
Bottom line: State Farm is the best car insurance in Hawaii for most drivers because its Hawaii discount list rewards clean records twice, through the Good Driving and Accident-Free discounts, on top of Drive Safe & Save savings of up to 30%. Get a State Farm quote first, then compare it with Progressive and a local insurer.
- 02
USAA
8.8/10Member-owned insurer for military families, with a Hawaii page that publishes what its members pay.
Price
Customper month, Hawaii member average
USAA's Hawaii members paid $115 a month on average in 2025
“Hawaii members paid $115 per month on average in 2025” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 9.0
- Features (35%)
- 8.7
- Ease of use (25%)
- 8.6
Best forActive-duty service members, veterans and their families stationed in Hawaii
USAA is the first quote to get if anyone in your household has served. Its Hawaii page is unusually open about cost: members in the state paid $115 a month on average in 2025. Hawaii has a large military population, and USAA SafePilot Miles is aimed at exactly the active-duty driver who lives on base and does not drive much, while standard SafePilot rewards safe driving with a larger discount. Households with two or more vehicles save automatically, cars under three years old may earn a new vehicle discount, and bundling auto with a property policy saves up to 10%. USAA cites a survey in which members who switched saved an average of $960 a year. Claims and policy changes run through the USAA Mobile App around the clock, and roadside assistance and rental reimbursement can be added. The limit is eligibility: only active-duty members, National Guard and Reservists, honorably served veterans, certain cadets and candidates, and spouses and children of members can buy.
- ✓Members who switched saved an average of $960 a year, according to a USAA survey
- ✓SafePilot Miles suits service members on base who drive little
- ✓Roadside assistance and rental reimbursement available as add-ons
- ✕Only military members, veterans and eligible family members can join
- ✕Bundle discount tops out at 10%
- ✕Rental reimbursement costs extra premium
- Hawaii average:
- $115 a month (2025 members)
- Bundle discount:
- Up to 10%
- Eligibility:
- Military, veterans and families
- Telematics:
- SafePilot, SafePilot Miles
Bottom line: USAA is the best car insurance in Hawaii for military families because its Hawaii members paid $115 a month on average in 2025 and SafePilot Miles fits low-mileage drivers on base. If you are not eligible, skip to State Farm or Progressive.
- 03
Progressive
8.7/10National insurer that sells online, by phone and through agents, with a published average for low-cost states including Hawaii.
Price
Customper month, liability-only average for low-cost states including Hawaii
Progressive's average liability-only policy cost $87.56 a month in low-cost states like Hawaii
“For a liability-only policy, car insurance costs an average of $87.56 per month in low-cost states like Hawaii.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.8
- Features (35%)
- 8.4
- Ease of use (25%)
- 9.0
Best forHawaii drivers who want to compare a price online first
Progressive is the easiest benchmark for Hawaii drivers because it publishes a number: a liability-only policy averaged $87.56 a month in 2025 across its low-cost states, a group that includes Hawaii. That is a multi-state average for one car and one driver, so treat it as a reference point rather than your quote. The Hawaii page is current on the law. It lists the doubled 2026 minimums of $40,000 per person and $80,000 per accident for bodily injury, $20,000 for property damage, $10,000 of personal injury protection and uninsured and underinsured motorist bodily injury at $40,000/$80,000. It also explains that Hawaii law bars insurers from rating on age, sex, credit, marital status or length of driving experience. Discounts available in Hawaii include paperless billing, automatic payments and an online quote discount. You can buy online, by phone or through a local agent. The tradeoff is a thin Hawaii-specific discount list compared with State Farm.
- ✓Lowest published price figure on this list
- ✓Online quote discount rewards buying digitally
- ✓Drivers nationwide who switched saved over $950 on average, according to Progressive
- ✕The $87.56 figure is a multi-state average, not a Hawaii-only rate
- ✕Discounts listed for Hawaii are mostly billing and paperwork discounts
- ✕Average is for liability-only cover, so full coverage costs more
- Published average:
- $87.56 a month, liability-only, low-cost states
- Hawaii discounts:
- Paperless, automatic payments, online quote
- Phone:
- 1-855-347-3939
- Buying:
- Online, phone or agent
Bottom line: Progressive is the best car insurance in Hawaii for drivers who want a quick online price, with a published liability-only average of $87.56 a month in low-cost states like Hawaii. Use it as your price benchmark against agent-sold insurers.
- 04
AARP Auto Insurance from The Hartford
8.4/10Car insurance program for AARP members with a published average for its Hawaii customers.
Price
Customper month, Hawaii customer average
The Hartford's Hawaii customers pay $1,305 a year on average, close to $109 a month
“The average cost of car insurance for Hawaii customers of the AARP Auto Insurance Program from The Hartford is $1,305 a year, or close to $109 per month.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.3
- Features (35%)
- 8.5
- Ease of use (25%)
- 8.3
Best forAARP members in Hawaii who want accident forgiveness and new car replacement
The AARP Auto Insurance Program from The Hartford suits older Hawaii drivers who want protection features built into the policy. The Hartford publishes what its Hawaii customers pay: $1,305 a year on average, or close to $109 a month. Accident Forgiveness excuses a first accident once every driver on the policy has five accident-free years with The Hartford, the optional Disappearing Deductible shrinks your collision deductible as you keep a clean record, and new car replacement pays for the same make and model if a new car is totaled. RecoverCare helps pay for home services such as house cleaning after an injury, and lifetime repair assurance covers work at 1,600 authorized shops. Hawaii discounts include paid-in-full, safety feature, online quote and defensive driver course savings, and bundling with home could save nearly $1,000. One caution: the Hawaii page still shows the older 20/40/10 minimums, so confirm your limits against the 2026 law.
- ✓Hawaii discounts for paying in full, safety features, an online quote and defensive driver courses
- ✓Bundling auto and home could save nearly $1,000, according to The Hartford
- ✓Defensive driver course discount lasts three years
- ✕AARP membership is required in most states
- ✕Its Hawaii page still lists the older 20/40/10 minimum limits rather than the 2026 figures
- ✕Hawaii average of about $109 is higher than Progressive's published figure
- Hawaii average:
- $1,305 a year, about $109 a month
- Accident forgiveness:
- After 5 accident-free years
- Repair network:
- 1,600 authorized shops
- Eligibility:
- AARP members in most states
Bottom line: The Hartford is the best car insurance in Hawaii for AARP members, with a published Hawaii customer average of about $109 a month and Accident Forgiveness after five clean years. Younger drivers who are not AARP members should look at State Farm or Progressive.
- 05
First Insurance Company of Hawaii (FICOH)
8.4/10Hawaii-based insurer since 1911, sold through independent agencies and part of Tokio Marine Group.
- Free plan
- No
- Value (40%)
- 8.9
- Features (35%)
- 8.2
- Ease of use (25%)
- 7.9
Best forKamaaina who want a Hawaii-based insurer with local claims adjusters
First Insurance Company of Hawaii, known as FICOH, is the local pick on this list. It has insured Hawaii residents and businesses since 1911, calls itself the largest property and casualty insurer headquartered in Hawaii, and belongs to Tokio Marine Group. FICOH reports an A+ (Superior) rating from A.M. Best and more than $310 million of policyholder surplus as of December 31, 2025. Its personal auto discounts are large on paper: a Loss-Free Credit of up to 40% for a clean record, up to 20% when you insure more than one vehicle, up to 10% for loyalty at renewal, up to 10% for homeowners and up to 10% for certain occupations. Paying in full saves 12%, and two-pay or four-pay plans save 2%. Claims are handled by local adjusters, and you can use its Direct Repair Program, whose workmanship FICOH guarantees, or a shop of your choice. You buy through one of 26 independent agencies, and no price is published.
- ✓Insuring Hawaii residents since 1911 and the largest property and casualty insurer headquartered in Hawaii
- ✓A+ (Superior) rating from A.M. Best and more than $310 million in policyholder surplus as of December 31, 2025
- ✓Claims line on Oahu (808-527-7711) and toll-free for neighbor islands (800-272-5202)
- ✕Sold through independent agents, so there is no full online purchase
- ✕No published price for personal auto
- ✕No telematics or usage-based program listed on its auto page
- In Hawaii since:
- 1911
- A.M. Best rating:
- A+ (Superior)
- Loss-free credit:
- Up to 40%
- Agency network:
- 26 independent agencies
Bottom line: FICOH is the best Hawaii-based car insurer for drivers who want local claims adjusters, with discounts of up to 40% for a loss-free record and 12% for paying in full. Ask an independent agent to quote it next to State Farm.
- 06
Amica Mutual
8.3/10Mutual insurer with a Hawaii auto guide, dividend policies and large bundling discounts.
- Free plan
- No
- Value (40%)
- 8.2
- Features (35%)
- 8.4
- Ease of use (25%)
- 8.2
Best forHawaii drivers who bundle several policies and value long-term service
Amica Mutual is a good fit for Hawaii households that hold several policies with one company. It publishes a Hawaii auto insurance guide, and its discount schedule is generous: up to 30% when you bundle auto with home, umbrella and life coverage, up to 25% for two or more vehicles and up to 20% through the free StreetSmart by Amica app. Drivers who stay at least two years earn a loyalty discount, and drivers under 30 whose parents have had an Amica auto policy for five years may get a legacy discount. AutoPay and paperless billing add small savings. Amica also offers dividend policies that may return part of your premium at renewal, though they are not offered in every state and are not guaranteed. Amica says 94% of customers stay each year and cites over 100 years of A ratings from AM Best. There is no published Hawaii price, and the Hawaii guide still shows the older minimum limits.
- ✓94% of Amica customers stay each year, according to Amica
- ✓Over 100 years of A ratings for financial strength from AM Best
- ✓AutoPay and paperless discounts
- ✕Dividends are not available in every state and are not guaranteed
- ✕No published Hawaii price
- ✕Its Hawaii guide still lists the older 20/40/10 minimum limits
- Bundle discount:
- Up to 30%
- Multi-car discount:
- Up to 25%
- Telematics:
- StreetSmart, up to 20%
- Phone:
- 800-242-6422
Bottom line: Amica Mutual is the best car insurance in Hawaii for multi-policy households, with bundling discounts of up to 30% and a multi-car discount of up to 25%. Single-car renters will find more value at Progressive or State Farm.
- 07
Allstate
8.2/10National insurer with a Hawaii coverage page, Drivewise telematics and add-ons for rideshare and EV drivers.
- Free plan
- No
- Value (40%)
- 7.8
- Features (35%)
- 8.4
- Ease of use (25%)
- 8.4
Best forHawaii rideshare and EV drivers who want add-on coverages
Allstate is the add-on specialist for Hawaii drivers. Its Hawaii coverage page lists optional roadside assistance, insurance for rideshare drivers, coverage for electric cars and rental car reimbursement, which matters on islands where a car in the shop can leave you stranded. Drivewise rewards safe driving with up to 30% off, and Allstate says bundling home and auto saves an average of 20%. Hawaii discounts include anti-theft devices, defensive driver courses, good students, students away at school and safe drivers, and you can show electronic proof of insurance on your phone if stopped. Allstate says customers who switched saved $900 on average. Drawbacks: there is no Hawaii price on the page, Drivewise data may be used for rating in some states, and the page still shows the older minimum limits, so check your limits against the 2026 law.
- ✓Rideshare coverage option for drivers working for ride apps
- ✓Customers who switched saved $900 on average, according to Allstate
- ✓Quotes online or through local agents
- ✕No published Hawaii price
- ✕Drivewise data may be used for rating in some states
- ✕Its Hawaii page still lists the older 20/40/10 minimum limits
- Telematics discount:
- Up to 30% with Drivewise
- Bundle savings:
- 20% on average
- Add-ons:
- Rideshare, EV, roadside, rental
- Buying:
- Online or agent
Bottom line: Allstate is the best car insurance in Hawaii for rideshare and EV drivers because its Hawaii page offers rideshare and EV coverage plus Drivewise savings of up to 30%. Drivers who only need basic cover can usually find a lower benchmark at Progressive.
- 08
Travelers
7.8/10National insurer sold through independent agents, with 21 agencies listed in Honolulu.
- Free plan
- No
- Value (40%)
- 7.8
- Features (35%)
- 7.9
- Ease of use (25%)
- 7.6
Best forDrivers who already work with an independent agent in Honolulu
Travelers fits Hawaii drivers who already use an independent agent. Its agent locator lists 21 agencies in Honolulu that write Travelers home, auto, business and renters insurance, and an independent agent can quote Travelers alongside other carriers in one visit. The car insurance discounts are standard but useful: multi-policy and multicar savings, a safe driver discount for households with no accidents, violations or major comprehensive claims in the past three to five years, a continuous insurance discount and a discount for hybrid or electric cars. Loan or lease gap coverage pays the difference between a totaled car's value and what you still owe, which helps on newer financed cars. The weak points for Hawaii are clear: Travelers has no Hawaii page or published price, and its IntelliDrive telematics programs are not listed among the states where they are offered, so Hawaii drivers cannot use them.
- ✓Independent agents can quote Travelers next to other insurers
- ✓Gap coverage helps drivers who owe more than the car is worth
- ✓Hybrid and electric car discount
- ✕IntelliDrive telematics is not listed as available in Hawaii
- ✕No Hawaii-specific page or published Hawaii price
- ✕Buying usually runs through an agent
- Honolulu agencies:
- 21 listed
- Safe driver discount:
- 3 to 5 clean years
- Gap coverage:
- Loan or lease gap
- Telematics in Hawaii:
- Not listed
Bottom line: Travelers is a sound option for Hawaii drivers who buy through an independent agent, with 21 Honolulu agencies and loan or lease gap coverage for financed cars. Drivers who want telematics savings should pick State Farm or Allstate instead.
What to check before you pay
Buy at least the 2026 minimums
Hawaii doubled its minimum bodily injury and property damage limits on January 1, 2026. Progressive and USAA list the new requirements as $40,000 per person and $80,000 per accident for bodily injury, $20,000 for property damage, $10,000 of personal injury protection and uninsured and underinsured motorist bodily injury at $40,000/$80,000. Some insurer pages still show the old 20/40/10 limits, so check your declarations page.
Know what Hawaii insurers cannot use
Progressive's Hawaii page explains that state law bars insurers from basing your rate on age, sex, credit history, marital status or length of driving experience. Your driving and claims record, your car, where you keep it and the coverage and deductibles you choose drive the price, so a clean record and a higher deductible are your main levers.
Use published prices as benchmarks
Progressive's liability-only average is $87.56 a month for its low-cost states, which include Hawaii. The Hartford's Hawaii customers average about $109 a month and USAA's Hawaii members paid $115 a month in 2025. If a quote for similar coverage lands far above these figures, keep shopping.
Stack discounts for clean records and multiple cars
FICOH offers up to 40% for a loss-free record and up to 20% for multiple cars, Amica up to 25% for two or more vehicles, and State Farm, Allstate and USAA all run safe-driving programs worth up to 30% at State Farm and Allstate. Paying in full can save 12% at FICOH.
Plan for island claims
Ask whether the insurer has local adjusters, as FICOH does, and add rental reimbursement and roadside assistance, which USAA and Allstate offer as add-ons.
FAQ
What is the best car insurance to have in Hawaii?
State Farm is the best car insurance to have in Hawaii for most drivers in 2026. Its Hawaii discount page lists a Good Driving Discount, an Accident-Free Discount after three claim-free years and Drive Safe & Save savings of up to 30%, sold through local agents. Military families should quote USAA first.
Which car insurance is best in Hawaii for different drivers?
It depends on who you are: State Farm for most drivers, USAA for military families, FICOH for a Hawaii-based insurer and The Hartford for AARP members. USAA's Hawaii members paid $115 a month on average in 2025, and The Hartford's Hawaii customers average about $109 a month.
How much is car insurance in Hawaii per month?
Published insurer figures range from about $88 to $115 a month. Progressive's liability-only average is $87.56 a month in low-cost states like Hawaii, The Hartford's Hawaii customers pay close to $109 a month and USAA's Hawaii members paid $115 a month on average in 2025.
What is the minimum car insurance required in Hawaii in 2026?
Hawaii requires $40,000 per person and $80,000 per accident in bodily injury liability, $20,000 in property damage liability and $10,000 of personal injury protection. Progressive notes the state doubled its liability minimums on January 1, 2026, and Progressive and USAA also list uninsured and underinsured motorist bodily injury at $40,000/$80,000.
Is Hawaii a no-fault state for car insurance?
Yes, Hawaii is a no-fault state and has been since 1973, according to the Insurance Information Institute as cited by Progressive. Every driver must carry personal injury protection, which pays your own medical costs after a crash regardless of who caused it.
Can Hawaii car insurers use my age or credit score to set my rate?
No. Hawaii law bars insurers from rating on age, sex, credit history, marital status or length of driving experience, as Progressive's Hawaii page explains. Your driving record, vehicle, garaging location and chosen coverage set the price instead.
Which car insurance company is based in Hawaii?
First Insurance Company of Hawaii (FICOH) is the Hawaii-based insurer on this list. It has insured Hawaii residents since 1911, reports an A+ (Superior) rating from A.M. Best and sells personal auto through 26 independent agencies.
Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.
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