Each driver must also carry personal injury protection (PIP) coverage, which will cover their medical bills if they are in an accident. This means that each driver receives compensation for their damages from their own insurance company. Hawaii is one of the few no-fault states in the United States. Senior drivers will usually find the best rates with State Farm and Geico. It is important to note, however, that USAA is not available to the public. While Hawaii is one of the cheapest states for auto insurance, you can still save a lot by price shopping and obtaining price quotes from multiple carriers.Īctive military members and their families in Hawaii will usually find the cheapest rates with USAA. If you're looking for the cheapest rates, you will likely have the best options with USAA, State Farm, and Geico. Hawaii drivers have a lot of insurance options. Other factors, like driving record, factor more into how much you can expect to pay. Variation among cities is minimal, however.
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