Best Cheap Car Insurance in Maui – Bankrate.com

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Hana Highway in Maui is known as one of the world’s most scenic routes, but the hairpin turns and switchbacks can be dangerous if you’re not paying close attention. Roads like these are one of the reasons good car 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 insurance is $1,118 per year, or about $93 monthly. The average cost of minimum coverage car insurance in Maui is $345 per year, which is about average for car insurance costs in Hawaii.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Costs will continue to rise through 2022. Shop for a better rate before you renew your current policy.
Save on auto insurance with quotes from trusted providers like:
Drivers switch & save an average of $750+/year
Are you overpaying for auto insurance?
Safe drivers choose Allstate®
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Drivers who are looking for the cheapest car 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, as having higher coverage limits offers greater financial protection if you were to cause an accident that resulted in injuries or property damage. Luckily, 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 may still 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 available, too.

USAA, Geico, State Farm and Allstate offer some of the cheapest car insurance in Maui on average, according to Bankrate’s study of annual quoted premium data from Quadrant Information Services. Rates aren’t the only factors that matter when looking for the best car insurance companies in Maui, though. To find the best cheap car insurance companies in Maui, Bankrate analyzed and compared several other factors, including customer satisfaction scores from J.D. Power, financial strength, online and mobile features, coverage options and discounts. We used these factors to award 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.
*Not officially ranked by J.D. Power due to eligibility restrictions
USAA offers the cheapest average car insurance rates in Maui for both full and minimum coverage, according to our research. However, USAA insurance is only available to its members, and membership is limited to active military members, veterans and their qualifying family members. Drivers who are eligible for USAA membership, though, could benefit from considering this insurance company’s options. In addition to low average rates, this company offers unique discounts, features and coverage options, including several military-focused discounts. While this  insurance provider is ineligible to be ranked by J.D. Power due to its membership requirement, it earned the most points in the 2021 J.D. Power Insurance Shopping Study and consistently earns high customer satisfaction marks in other regions.
Learn more: USAA Insurance review
Geico offers low average rates to Maui drivers for both minimum and full coverage car insurance. Classic car enthusiasts and rideshare or delivery drivers may be able to get coverage from Geico at affordable rates. It also offers a large number 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 ranked above average in the 2021 J.D. Power Auto Claims Satisfaction Study.
Learn more: Geico Insurance review
State Farm does not offer the lowest average rates to drivers in Maui, but it offers a few different coverage options, like rideshare insurance, to customize your coverage. Drivers can also take advantage of State Farm’s Drive Safe & Save program, which could lead to a discount of up to 30% on their renewal policy.
Learn more: State Farm Insurance review
Allstate’s average Maui car insurance rates are higher than the other companies on this list, but it offers several coverage options and plenty of ways to save. In addition to standard coverage options, Allstate offers rideshare coverage and Allstate also offers up to 25% in savings when you bundle home and auto with the company, and there are other discounts available through this company, too.
Learn more: Allstate Insurance review 

One of the best ways to get the cheapest car insurance in Maui is to have a clean driving record, which typically gives you access to the lowest rates for your unique circumstances. But rates can fluctuate over time, so it’s also important to keep your cheap car insurance rate. Some ways to get and keep the cheapest car insurance in Maui include:


The best car insurance company in Maui is different for every driver. What the best option is for you will depend on what features and criteria matter the most to you. Before deciding on a car insurance company, it can be helpful to consider the coverage you need, what discounts you may be eligible for, and other factors, like the company’s financial stability, customer reviews and third-party rankings. Once you’ve determined what matters most for your situation, you can shop around with the right companies and compare quotes to find the best car insurance in Maui for you.

Drivers in Maui pay, on average, $345 per year for minimum coverage car insurance and $1,118 per year for full coverage car insurance. These rates are on par with Hawaii’s average annual rates, which are $345 per year for minimum coverage and $1,125 per year for full coverage car insurance. The state of Hawaii and Maui both have average annual rates that are lower than the average cost of car insurance nationwide, which is $565 per year for minimum coverage insurance and $1,674 per year for full coverage car insurance.

There are several ways you can lower your car insurance rates in Maui. Insurance companies tend to reward drivers who practice safe driving habits, so if you obey traffic laws and minimize your risk of tickets or accidents, you will raise your chances of getting access to the lowest rates from insurers. It may also be helpful to review your car insurance coverage each year and shop for quotes or make changes to ensure you are only paying for the coverage you need.

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.
Individual city rates represent 2021 data and a 2019 Toyota Camry.
These are sample rates and should only be used for comparative purposes.

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As 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, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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