Car Insurance After an Accident in Hawaii: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Hawaii increases insurance by 34%, raising full coverage from $1,608/year to $2,155/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$134/mo
After At-Fault Accident (+34%)
$180/mo
Cheapest Companies After Accident in Hawaii
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $133/mo | $1,595/yr | Military families |
| Erie Insurance | $142/mo | $1,702/yr | Rate lock guarantee |
| GEICO | $147/mo | $1,767/yr | Clean driving record |
| Progressive | $158/mo | $1,896/yr | Telematics savings |
| State Farm | $163/mo | $1,961/yr | Good students |
| Travelers | $171/mo | $2,047/yr | Multiple discounts |
| Nationwide | $187/mo | $2,241/yr | Bundling home + auto |
| Farmers | $194/mo | $2,327/yr | Signal telematics |
| Allstate | $201/mo | $2,414/yr | Accident forgiveness |
| Liberty Mutual | $212/mo | $2,543/yr | New car replacement |
USAACheapest
Monthly
$133/mo
Annual
$1,595/yr
Best for: Military families
Erie Insurance
Monthly
$142/mo
Annual
$1,702/yr
Best for: Rate lock guarantee
GEICO
Monthly
$147/mo
Annual
$1,767/yr
Best for: Clean driving record
Progressive
Monthly
$158/mo
Annual
$1,896/yr
Best for: Telematics savings
State Farm
Monthly
$163/mo
Annual
$1,961/yr
Best for: Good students
Travelers
Monthly
$171/mo
Annual
$2,047/yr
Best for: Multiple discounts
Nationwide
Monthly
$187/mo
Annual
$2,241/yr
Best for: Bundling home + auto
Farmers
Monthly
$194/mo
Annual
$2,327/yr
Best for: Signal telematics
Allstate
Monthly
$201/mo
Annual
$2,414/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$212/mo
Annual
$2,543/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
✓ No spam calls · ✓ No personal info sold · ✓ Takes 2 minutes
How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses