5. Allstate
Rates in Hawaii & Why It Can Be Cheaper than Some
Allstate is a large national insurer, though in Hawaii it often ranks toward the upper end in standard rate surveys. According to Insurance.com’s Hawaii guide, Allstate’s average full coverage rate in Hawaii is $1,882/year, and its liability-only average is about $702/year.
Wallethub’s data for Hawaii also lists Allstate with higher premiums relative to peers.
So why include Allstate in the “cheap 5 auto insurance companies in Hawaii, USA” list? Because for certain drivers (good credit, clean record, favorable ZIP), Allstate’s discount offerings and agent relationships might produce competitive quotes. Some possible cost advantages:
- Strong discount programs: Allstate often offers safe driver discounts, bundling with homeowners or renters, multiple car discounts, and accident forgiveness programs.
- Local agent negotiation: In some local ZIPs in Hawaii, Allstate agents may undercut standard rate grids for loyal or long-time customers.
- Regional leverage: Allstate’s scale and risk spread across many states allow them to subsidize rates in competitive markets.
However, in broad comparisons, Allstate rarely leads the cheapest auto insurance Hawaii USA rankings. It tends to be more of a mid‑tier option unless your profile is very favorable.
4. 21st Century
Data & Why It May Be Affordable for Some
21st Century is better known in certain states (especially California), and in Hawaii it may not have as large a footprint. There is limited publicly available rate data specifically for 21st Century in Hawaii. It is less featured in major insurer ranking sites.
However, if 21st Century operates in your part of Hawaii, potential reasons it might offer cheap car insurance in Hawaii include:
- Niche underwriting / risk focus: It may target lower-risk drivers or specific vehicle types, allowing more competitive base rates in those segments.
- Lower overhead in local markets: If 21st Century has smaller operations or limited agent networks in Hawaii, its commission and administrative load may be lower.
- Selective competitive pricing: To gain market foothold, it might provide aggressive introductory or retention discounts in Hawaii.
Because of limited public data, I can’t cite a reliable average rate for 21st Century in Hawaii. If you have a local ZIP, you can request quotes and see if 21st Century surfaces as a competitive cheap insurance car insurance Hawaii USA option.
3. GEICO
Authentic Data in Hawaii & Why It Often Leads
GEICO is frequently listed as the cheapest major insurer in Hawaii. According to AutoInsurance.com, GEICO offers the cheapest full coverage auto insurance in Hawaii, with an average annual rate of $1,098 (≈ $92/month).
Also, CarInsurance.com places GEICO’s average full coverage rate in Hawaii at $1,184/year (~ $99/month) in one of their listings.
Under the minimum (liability-only) coverage category, GEICO also often ranks near the bottom: in Hawaii, its liability‑only average is about $432/year in one dataset.
Why GEICO can often deliver cheap auto insurance online Hawaii USA or among the lowest rates:
- Direct / online sales model: GEICO emphasizes direct quoting and online purchases, which lowers agent commissions and distribution costs.
- Efficient operations & scale: As a large insurer, GEICO can spread fixed costs over many policies, reducing per‑policy cost burden.
- Precision underwriting and discounts: GEICO can fine-tune pricing for lower-risk segments and offers many discount programs (safe driver, multi-vehicle, anti-theft, etc.).
- Strong competitive positioning: Because GEICO often leads in rating comparisons, it frequently undercuts competitors to maintain market share.
In many Hawaii ZIPs, GEICO is the default to try first when seeking cheap car auto insurance Hawaii USA.
2. Island Insurance Group
Local Insurer, Authentic Rates & Why It Can Be Cheap
Island Insurance is a regional insurer focused on Hawaii, and it frequently appears in comparisons for inexpensive automobile insurance Hawaii USA among non-military drivers. AutoInsurance.com lists Island Insurance’s full coverage average in Hawaii at $1,321/year (~ $110/month).
In minimum coverage comparisons, Island Insurance often appears just behind USAA: e.g. liability-only or minimum coverage rates of about $401/year in Hawaii.
Why Island Insurance can be a good candidate for cheap vehicle insurance Hawaii USA:
- Local knowledge & tailoring: As a native Hawaii insurer, Island Insurance may better model state-specific risk (e.g. island geography, weather) and avoid cross-state cost loading.
- Limited overhead / lean operations: Local firms often have lower distribution or administrative costs if they don’t maintain large national networks.
- Niche discount & loyalty mechanisms: Island Insurance may reward long-term customers or local referrals, community ties, and other local discounts.
- Focus on non-military drivers: Since USAA is limited to military affiliates, Island Insurance fills a niche for civilian drivers in Hawaii seeking cheap car insurance quotes Hawaii USA.
Because of its local presence, for many island residents, Island Insurance can offer more favorable localized pricing than national insurers that may mis-price island-specific risk.
1. USAA
Data & Why It Often Wins for Eligible Drivers
USAA is widely recognized as one of the lowest cost major auto insurers for those eligible (military, veterans, and their families). In Hawaii data, USAA often ranks just behind or even ahead of GEICO depending on coverage tier.
AutoInsurance.com shows USAA among the cheapest insurers for minimum coverage in Hawaii.
In one table comparing full coverage, USAA’s average annual rate is reported around $1,121 (just above GEICO’s $1,098 average) in Hawaii.
Insurance.com’s Hawaii guide shows USAA’s full coverage rates as among the lowest in the state.
USAA’s cost advantages:
- Member-only pool: Because USAA insures a specific demographic (military-related), its risk pool tends to be more stable and lower-loss than the general market.
- Low marketing & overhead: USAA spends comparatively little on advertising and largely serves its members, reducing distribution cost.
- High loyalty / retention: Low churn and high customer loyalty reduce administrative costs over time.
- Strong underwriting and loss control: USAA invests heavily in loss prevention, driving safety programs, and careful underwriting.
For those eligible, USAA often delivers the cheapest full coverage car insurance Hawaii USA or close to the top.
Hawaii Rate Context & What “Cheap” Means
Understanding what qualifies as “cheap” requires referencing state averages:
- The average full coverage automobile insurance cost in Hawaii is about $1,721/year or ~$143/month.
- Under minimum (liability-only) coverage, the average is roughly $519/year (≈ $43/month).
- In many comparisons, GEICO’s full coverage rate of ~$1,098/year is ~24% lower than state average.
- USAA, where available, may be slightly better than average in some tiers.
- Allstate’s rates are often above many peers in state surveys.
So in Hawaii, a full coverage quote under ~$1,300 or liability under ~$500 often enters the “cheap insurance Hawaii USA” territory.
Tips to Secure “Cheap Cheap Auto Insurance Hawaii USA
- Shop multiple quotes: Use platforms or agents to compare cheap car insurance quotes online Hawaii USA from all insurers.
- Raise deductibles: A higher deductible (e.g. $1,000 vs $500) can cut your premium.
- Bundle policies: Combine auto with home/renter’s insurance to get multi‑policy discounts.
- Maintain clean driving record: Avoid tickets, accidents, and infractions.
- Ask about all discounts: Safe driver, anti-theft, multi-vehicle, loyalty, good student, etc.
- Review annually: Insurance markets change; switching carriers might yield a better cheap insurance near me Hawaii USA rate.
- Check local vs national: Local insurers like Island Insurance sometimes outperform national ones in your ZIP.
FAQs (Cheap Auto Insurance Hawaii USA)
Q: Who offers the cheapest auto insurance Hawaii USA?
A: For many drivers, GEICO leads with full coverage rates around $1,098/year in Hawaii. USAA often competes closely (for eligible members).
Q: Can non-military drivers get cheap car insurance in Hawaii?
A: Yes — GEICO and Island Insurance are among the best options for non-military drivers seeking inexpensive auto insurance Hawaii USA.
Q: Does age or credit affect Hawaii auto insurance?
A: Interestingly, Hawaii prohibits insurers from using credit score in rating.Age (especially between adult tiers) has limited impact; insurers instead weigh driving record, experience, and vehicle.
Q: How can I get a cheap full coverage policy in Hawaii?
A: Aim for carriers like GEICO or USAA (if eligible), raise deductibles, bundle policies, and maintain a clean record. Use multiple online quotes and cheap full coverage car insurance Hawaii USA comparisons.
Q: Why do Hawaii premiums often stay high despite being island environment?
A: Unique risks — like weather, import costs for parts, limited repair competition, and more concentrated populations — tend to raise base costs. That makes differentiation via discounts and efficient operations more critical to get less expensive car insurance Hawaii USA.
Conclusion
If your goal is cheap 5 auto insurance companies in Hawaii, USA, start with GEICO and USAA (if eligible), followed by Island Insurance for local strength. Allstate and 21st Century might catch your eye depending on your driver profile and ZIP, but they often need strong discounts to compete.
Remember, the “cheapest” carrier for you depends on your specific profile — vehicle, driving record, ZIP code, coverage choices, and discounts. Always compare cheap insurance quotes Hawaii USA, review your policy renewals, and adjust deductibles or coverage levels to maintain affordability.
If you like, I can run live quotes for your ZIP in Hawaii and tell you which of these 5 would likely be cheapest for you. Would you like me to do that?