Hana Highway in Maui is known as one of the most scenic routes in the world, but hairpin turns and switchbacks can be dangerous if you’re not careful. Roads like these are one of the reasons good auto insurance is essential for Maui residents. Fortunately, the average cost of car insurance in Maui is lower than the national average. In Maui, the average cost of car insurance for full coverage is $1,118 per year, or about $93 per month. The average cost of minimum coverage car insurance in Maui is $345 per year, which is about the average car insurance cost in Hawaii.
Drivers looking for the cheapest auto insurance in Hawaii may be tempted to purchase minimum coverage auto insurance to get the cheapest rates. However, many insurance agents advise against doing this because higher coverage limits provide better financial protection should you cause an accident resulting in injury or property damage. Fortunately, drivers in this city have options when it comes to the best cheap car insurance, and with the right insurance company, the best car insurance in Maui can always be within your budget. USAA offers the cheapest average car insurance rates in Maui, according to Bankrate’s 2021 study of quoted annual premiums, and there are other affordable options as well.
Best Cheap Car Insurance Companies in Maui
USAA, Geico, State Farm and Allstate offer some of the cheapest auto insurance on Maui on average, according to Bankrate’s study of annual premium data from Quadrant Information Services. However, rates aren’t the only factors that matter when looking for the best auto insurance companies in Maui. To find the best cheap car insurance companies in Maui, Bankrate analyzed and compared several other factors, including JD Power’s customer satisfaction scores, financial strength, online and mobile functionality, coverage options, and discounts. We used these factors to assign each company a Bankrate Score, with a maximum score of 5 points. Drivers can use these scores to determine the best and cheapest car insurance companies in Maui based on the criteria most important to them.
|insurance company||Discount rate score||JD Power Rating*||Average annual premium for full coverage||Average annual premium for minimum coverage|
|United States of America*||5.0||902/1000||$930||$270|
*Not officially rated by JD Power due to eligibility restrictions
According to our research, USAA offers the cheapest average car insurance rates in Maui for full and minimum coverage. However, USAA insurance is only available to its members, and membership is limited to eligible military personnel, veterans, and their family members. However, drivers eligible for USAA membership may benefit from reviewing that insurance company’s options. In addition to low average rates, this company offers unique discounts, features, and coverage options, including several military-focused discounts. Although this insurance provider is not eligible to be ranked by JD Power due to its membership requirement, it scored the most points in the 2021 JD Power Insurance Buying Study and consistently achieves high customer satisfaction ratings in other regions.
Learn more: USAA Insurance Review
Geico offers low average rates to Maui drivers for minimum and full coverage auto insurance. Classic car enthusiasts and carpool or delivery drivers may be able to get coverage from Geico at affordable rates. It also offers a slew of car insurance discounts to drivers, which can help keep rates low if you qualify. Geico also offers a mobile app with unique features for users including Easy Photo Estimate, Apple Messages, Vehicle Care and a Virtual Assistant. The insurer was also rated above average in the 2021 JD Power Auto Claims Satisfaction Study.
Learn more: Geico Insurance Review
State Farm doesn’t offer the lowest average rates for Maui drivers, but does offer different coverage options, like ride-sharing insurance, to customize your coverage. Drivers can also take advantage of State Farm’s Drive Safe & Save program, which could result in a discount of up to 30% on their renewal policy.
Learn more: State Farm Insurance Review
Allstate’s average auto insurance rates in Maui are higher than the other companies on this list, but it offers multiple coverage options and plenty of ways to save. In addition to the standard coverage options, Allstate offers rideshare coverage and Allstate also offers up to 25% savings when you bundle home and auto with business, and other discounts are also available through this society.
Learn more: Allstate Insurance Review
How to Get and Keep the Cheapest Auto Insurance in Maui
One of the best ways to get the cheapest car insurance in Maui is to have a clean driving record, which usually gives you access to the lowest rates for your particular situation. But rates can fluctuate over time, so it’s also important to keep your car insurance rates cheap. Here are some ways to get and keep the cheapest car insurance in Maui:
- Compare the prices. Seeking custom quotes from many insurers can help you get the lowest rates for your car insurance. By getting quotes from different insurance companies, you can compare options to find the best rate and coverage for you.
- Continue to practice safe driving habits. Your car insurance rates can increase if you accumulate driving offenses on your record, so it’s important to continue driving safely after you purchase your policy. Plus, by avoiding at-fault tickets and accidents, you may qualify for safe driving discounts and other incentives offered by insurers, such as the waiver of minor tickets.
Frequently Asked Questions
Bankrate uses Quadrant Information Services to analyze 2022 rates for all zip codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record, credit and the following complete information coverage limits:
- Civil liability of $100,000 in bodily injury per person
- Civil liability of $300,000 in bodily injury per accident
- Civil liability of $50,000 in property damage per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 aggregate deductible
To determine minimum coverage limits, Bankrate has used a minimum coverage that meets each state’s requirements. Our basic profile drivers own a 2020 Toyota Camry, commute five days a week, and drive 12,000 miles a year.
Individual city rates represent 2021 data and a 2019 Toyota Camry.
These are sampling rates and should only be used for comparison purposes.
Discount rate score
Exchange rate scores primarily reflect a weighted ranking of industry standard ratings for financial strength and customer experience, in addition to analysis of annual premiums quoted by Quadrant Information Services, covering all 50 states and Washington, D.C. DC We know it’s important for drivers to feel confident that their financial protection covers the most likely risks, is priced competitively and is provided by a financially strong company with a track record of positive customer support.
In determining how well the top auto insurance companies meet these priorities, third-party agency ratings from JD Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ currency scores. . Since price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, evaluated on over 35,000 U.S. zip codes, has provided a basis on which drivers can compare each supplier.
While coverage options, insurer availability, affordability and customer experience are often top priorities, Bankrate also analyzed each insurer’s online and mobile resources for managing policies and handling claims. Insurance is changing rapidly to keep pace with our digital world, so these aspects have also weighed in determining the exchange rate scores.