Allstate Auto Insurance in Hawaii
Allstate is the 4th-largest U.S. auto carrier (~10% market share) with a long-running agent network. Drivewise telematics + Milewise pay-per-mile options give it broad coverage modality flexibility. Here's what Allstate typically costs in Hawaii for 2026 — plus the 3 cheaper alternatives most Hawaii drivers overlook.
Estimated annual premium
$1,375
Estimated monthly
$115
Hawaii state avg
$1,175
vs Hawaii avg
+17%
Why drivers pick Allstate
Strong agent network for hands-on claims support; broad rider library (custom equipment, ridesharing endorsements, classic car).
Where Allstate falls short
Base rates run high — Allstate is consistently in the top quartile for posted rates. Discount-stacking is required to land at competitive pricing.
Hawaii minimum coverage requirements
- Bodily Injury Liability: 20/40 thousand per person / per accident
- Property Damage Liability: $10K
- No-Fault State: Personal Injury Protection (PIP) coverage required
No-fault state. Credit score cannot be used in pricing; clean record + age drive your rate.
Cheaper alternatives to Allstate in Hawaii
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Allstate for a comparable driver profile in Hawaii. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Allstate discounts available to Hawaii drivers
Allstate Hawaii rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Allstate Hawaii estimate for each class:
Allstate Hawaii rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Allstate Hawaii estimate for each profile:
Frequently asked questions
How much does Allstate auto insurance cost in Hawaii?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Allstate in Hawaii runs about $1,375/year (~$115/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Allstate cheaper than other carriers in Hawaii?
Allstate is currently about 17% above the Hawaii state average of $1,175/year. The cheaper alternatives in Hawaii are typically USAA, Erie, GEICO. Whether Allstate is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Hawaii minimum coverage requirements?
Hawaii requires at least 20/40 thousand in bodily-injury liability per person/per accident and $10K in property-damage liability. Hawaii is a no-fault state, so personal injury protection (PIP) is also required. No-fault state. Credit score cannot be used in pricing; clean record + age drive your rate.
Does Allstate offer discounts to Hawaii drivers?
Allstate offers 6+ discounts that Hawaii drivers can stack: Drivewise (telematics), Multi-policy, Anti-theft device, Early signing, Responsible payer, Allstate eSmart. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Allstate's national average ($2,108) multiplied by Hawaii's state-vs-national premium index ($1,175 ÷ national average $1,789 ≈ 0.66x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Allstate J.D. Power score: 815/1000. A.M. Best rating: A+ (2024).