The Wise Insurance Shopper

The best information about US auto & home insurance companies on the Web!



  Hawaii Auto & Home Insurance Shopping Guide 2023    

Updated: January 2023


Here are three reasons why most people pay too much for their auto or home insurance and fail to find the company that can save them a lot of money:

1. Many people never shop their auto or home insurance, sticking with the same company and paying their renewal year after year.

2. If people do shop their insurance coverage, they do not check with enough companies, failing to find the company or companies with the best combination of coverage, service, and rates for them.

3. People only get quotes online, instead of speaking with an insurance professional trained to quote them the coverage they need at the best price, with all the discounts they deserve. It is always best to buy insurance from an agent. A good agent can make the difference between loving or hating your insurance company.

How this guide can help you find the best company for you:

Many auto or home insurance customers do not know all the companies available in their state or their recent complaint records, making it unlikely they will find the company with the best rates, coverage & service for them. Some of the best companies are not very well known because they do little advertising. The objective of this guide is to show you all the major companies offering auto and/or home insurance coverage in Hawaii and the three-year auto & home insurance complaint record for each company. Links are provided to the website for each company so you can contact an agent near you or get a price quote online if available. None of the hyperlinks on my website are affiliate links and I receive no financial compensation from any insurance company.

Will you be eligible for all these auto and home insurance companies?

Insurance companies have different eligibility criteria, so not everyone may qualify for all the companies shown in this guide. However, everyone can benefit by shopping, even if they have recent claims or other factors making them ineligible for some companies. If you do not qualify for many of the companies in this guide due to recent claims, property condition/location, driving record, or other factors, there should still be agents representing companies listed in this guide who can help you. Please email me at help@smartshopyourcarinsurance.com to let me know if none of the agents or companies listed in this guide can help you or if this guide contains any incorrect information.

The Major Auto and Home Insurance Companies in Hawaii

If you are looking for a company available in Hawaii with a much better than average auto and home insurance complaint record, scroll down to check out these companies:

Cincinnati Insurance

Note: the data available for the smaller Hawaii only companies, such as DB, DTRIC, First, Hawaiian, Island, RLI & Zephyr, is not useful in my opinion, for me to evaluate their complaint record. Ask local agents representing these companies on the quality of their claims and customer service.

1. AAA Hawaii

AAA (American Automobile Association) is a non-profit federation of regional auto clubs best known for its travel and towing services. Groups of these auto clubs own regional insurance companies and have insurance agencies located in their offices. AAA Hawaii provides auto & home insurance by Interinsurance Exchange of the Automobile Club, a company that is a part of Auto Club Enterprises Insurance.

2021 market share for AAA Hawaii:

Interinsurance Exchange of the Automobile Club is not among the ten largest auto insurers or the ten largest home insurers in Hawaii.

Complaint record for Interinsurance Exchange of the Automobile Club

The 2019-2021 auto and home insurance complaint record for Interinsurance Exchange of the Automobile Club is not consistently better than the industry average. If Interinsurance Exchange of the Automobile Club has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to get an auto or home insurance quote from AAA Hawaii:

Contact the AAA Hawaii office at 808-529-5094.


2. Allstate Insurance

Allstate is a well-known, heavily advertised insurance company and is one of the largest auto & home insurance companies in almost all US states. Founded in 1931, Its corporate office is in Northfield Township, IL. Allstate offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

Allstate owns these additional brands, also selling auto and/or home insurance: Encompass, Esurance, and National General. However, these companies are not available in Hawaii.

2021 market share for Allstate Insurance:

Allstate is the fourth largest auto insurer and the fourth largest home insurer in Hawaii.

Complaint record for Allstate Insurance:

The 2019-2021 auto and home insurance complaint record for Allstate Insurance is not consistently better than the industry average. If Allstate has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to buy a policy from Allstate Insurance:

Allstate sells its insurance through its own network of Allstate agents with offices located in communities throughout Hawaii. Allstate insurance may also be available from select independent insurance agencies appointed to represent the company. There may be a discount for buying online from Allstate, but it may be worth it to pay a little more to have a personal agent to help if you have a claims or service problem. Get a price quote from an agent first, then check to see if you can get a lower rate for the same coverage online.

Check out the Allstate Insurance website to learn more about the company and find an agent near you:

https://www.allstate.com/


3. Cincinnati Insurance

Cincinnati Insurance Companies is another group of insurance companies offering personal insurance products in many US states, but is not known to many people, as it does little advertising. Established in 1950, Cincinnati Insurance is headquartered in Fairfield, OH. Cincinnati Insurance offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

2021 market share for Cincinnati Insurance:

Cincinnati Insurance is not among the ten largest auto insurers or ten largest home insurers in Hawaii.

Complaint record for Cincinnati Insurance:

The 2019-2021 auto and home insurance complaint record for Cincinnati Insurance is consistently much better than the industry average. If you choose a good agent, you are likely to be happy with its customer and claims service.

How to buy a policy from Cincinnati Insurance:

Cincinnati Insurance sells its insurance exclusively through a small group of select independent insurance agencies with offices located across Hawaii. You cannot get a price quote online from the Cincinnati Insurance website and there is no discount or lower rate for buying online from any other website.

Check out the Cincinnati Insurance website to learn more about the company and find an agent near you:

https://www.cinfin.com/


4. Connect by American Family

In 2019, American Family Insurance acquired Ameriprise Auto & Home, an insurance company offering personal insurance direct to the public in many US states, through its website and by phone, and has a marketing arrangement with Costco. Ameriprise has been rebranded as Connect by American Family and operates separately from the American Family companies sold through American Family Insurance agents. Although auto insurance (no property insurance) from Connect by American Family is available in Hawaii, the main American Family brand of companies are not available in Hawaii and American Family has no agents or agent offices in the state.

2021 market share for Connect by American Family:

Although not among the ten largest insurance brands in the state, Connect by American Family offers auto insurance in Hawaii.

Complaint record for Connect by American Family:

The 2019-2021 auto and home insurance complaint record for Connect by American Family is not consistently better than the industry average. Since you will not have an agent to help you if you insure with Connect, you should consider other companies instead of Connect by American Family, unless the price savings with Connect is so much, it is worth it to you to chance service or claims problems you will need to handle on your own.

How to buy insurance from Connect by American Family:

Connect sells direct to the public but Hawaii residents cannot get a price quote online. You can go to the Connect auto or home insurance website linked here to call the company for an auto insurance price quote:

https://www.connectbyamfam.com/


5. DB Insurance

DB insurance Company, LTD (USB) is the US branch of a South Korean insurance company that is a part of a large conglomerate called DB Group (formerly Dongbu Group).

2021 market share for DB Insurance:

DB Insurance is the fifth largest home insurer in Hawaii but is not among the ten largest auto insurers in the state.

How to buy a policy from DB Insurance:

DB Insurance sells its insurance exclusively through a small group of select independent insurance agencies with offices located across Hawaii. You cannot get a price quote online from the DB Insurance website and there is no discount or lower rate for buying online from any other website.

Check out the DB Insurance website to learn more about the company and find an agent near you:

http://www.dbinsus.com/about03.htm


6. DTRIC Insurance

Founded in 1992, DTRIC Insurance is a member of MS & AD Insurance Group, the largest insurance holding company in Japan and the fifth largest property & casualty insurance group in the world. DTRIC offers auto and home insurance in Hawaii only.

2021 market share for DTRIC Insurance:

DTRIC Insurance is the tenth largest auto insurer in Hawaii but is not among the ten largest home insurers in the state.

How to buy a policy from DTRIC Insurance:

DTRIC Insurance sells its insurance exclusively through a small group of select independent insurance agencies with offices located across Hawaii. You cannot get a price quote online from the DTRIC Insurance website and there is no discount or lower rate for buying online from any other website.

Check out the DTRIC Insurance website to learn more about the company and find an agent near you:

https://www.dtric.com/


7. Farmers Hawaii / 21st Century Insurance

21st Century Insurance sells auto insurance direct to the public through its website and by phone. 21st Century was purchased from AIG by Farmers Insurance Group in 2009 but continues to operate as a separate brand. Once available in many US states, Farmers Insurance Group is retiring the 21st Century brand and is withdrawing 21st Century from all states except Hawaii and California. Although the underwriting company is 21st Century Centennial Insurance Company, it is now branded as Farmers Hawaii.

2021 market share for Farmers Hawaii:

Farmers Hawaii is the seventh largest auto insurer in Hawaii. Farmers Hawaii does not insure homes.

Complaint record for Farmers Hawaii / 21st Century Insurance:

The 2019-2021 auto insurance complaint record for Farmers Hawaii is not consistently better than the industry average. Since you will not have an agent to help you if you have a problem, you may not want to choose Farmers Hawaii unless there is a significant price savings or much better coverage.

How to buy a policy from Farmers Hawaii /21st Century Insurance:

The only way to buy a policy or get a price quote is from the Farmers Hawaii website or calling the company. Farmers Hawaii sells direct and does not use agents. Get a quote or learn more about the company at the Farmers Hawaii website linked here:

https://www.farmershawaii.com/


8. First Insurance Company of Hawaii

First Insurance is a group of insurance companies operating in Hawaii that is a part of Tokio Marine Holdings Group. The First Insurance companies include: First Fire and Casualty Insurance of Hawaii, First Indemnity Insurance of Hawaii, First Insurance Company of Hawaii, Ltd, and First Security Insurance of Hawaii, Inc.

2021 market share for First Insurance:

First Insurance is the eighth largest auto insurer and the second largest home insurer in Hawaii.

How to buy a policy from First Insurance:

First Insurance sells its insurance exclusively through a small group of select independent insurance agencies with offices located across Hawaii. You cannot get a price quote online from the First Insurance website and there is no discount or lower rate for buying online from any other website.

Check out the First Insurance Company of Hawaii website to learn more about the company and find an agent near you:

https://www.ficoh.com/


9. GEICO Insurance

GEICO, a very heavily advertised group of insurance companies, best known for selling insurance direct to the public, operates in almost all US states, and is a wholly owned subsidiary of Berkshire Hathaway. Established in 1936, GEICO is headquartered in Chevy Chase, MD. GEICO underwrites auto insurance only, but sells other types of personal insurance, such as homeowners insurance, acting as an agent for other companies. So, for example, if you buy homeowners insurance from GEICO, your home is not insured by GEICO, but by another company GEICO represents as an agent.

Since April 2022, GEICO ceased doing walk-in and phone sales in these states: AK, AR, CA, CT, DC, DE, GA, HI, KS, LA, MA, NJ, NM, NY, WI, WV. Residents of these states can still get a price quote and buy a policy online from GEICO.

2021 market share for GEICO Insurance:

GEICO is the largest auto insurer in Hawaii.

Complaint record for GEICO Insurance:

The 2019-2021 auto insurance complaint record for GEICO is not consistently better than the industry average. Since most GEICO customers do not have an agent to help them if they have a service problem, you should consider other companies instead of GEICO (if you do not have a good GEICO agent available to you), unless the price savings with GEICO is so much, it is worth it to you to chance service or claims problems you will need to handle on your own.

How to buy a policy from GEICO Insurance:

In Hawaii, GEICO at this time is quoting and selling policies only online through its website linked here:

https://www.geico.com


10. Hartford Insurance

Hartford Insurance is a group of insurance companies available in most US states, but may not be as well-known, as it does not advertise as much as other major competitors selling auto and home insurance. Founded in 1810, Hartford Insurance is headquartered in Hartford, CT. Hartford offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market. However, in Hawaii, Hartford offers only auto insurance and sells it direct from the company.

Hartford has a popular insurance program for drivers 55 years old or older, in partnership with AARP. Membership in AARP is required to be eligible for the Hartford/ AARP auto and home insurance program.

2021 market share for Hartford Insurance:

Hartford is not among the ten largest auto insurers in Hawaii.

Complaint record for Hartford Insurance:

The 2019-2021 auto and home insurance complaint record for Hartford is not consistently better than the industry average. Since Hartford sells direct in Hawaii and does not use agents, you should consider Hartford only if it has a much better rate or better coverage than other companies.

How to buy a policy or get a price quote for Hartford insurance:

Hartford in Hawaii, unlike most US states, sells auto insurance direct from its website or by phone. Get a quote or learn more about Hartford at their website linked here:

https://www.thehartford.com/


11. Hawaiian Insurance & Guaranty Company LTD

Founded in 1915, Hawaiian Insurance & Guaranty Company LTD (HIG) is a part of Ocean Harbor Group of insurance companies. HIG sells homeowners, condominium, renters, dwelling, and optional hurricane insurance in Hawaii, but does not offer auto insurance in the state.

2021 market share for Hawaiian Insurance & Guaranty Company LTD:

HIG is the ninth largest home insurer in Hawaii.

How to buy a policy from Hawaiian Insurance & Guaranty Company LTD:

HIG sells its insurance exclusively through a small group of select independent insurance agencies with offices located across Hawaii. You cannot get a price quote online from the HIG website and there is no discount or lower rate for buying online from any other website.

Check out the Hawaiian Insurance & Guaranty Company LTD website to learn more about the company and find an agent near you:

https://www.higltd.com/


12. Island Insurance Companies Group

Founded in 1940 to serve the residents of the Hawaiian Islands, Island Insurance Companies offers auto, home, and other types of personal property and casualty insurance offered by the major US companies in the market. Island Insurance consists of the following companies: Island Insurance Company, Limited, Island Premier Insurance Company, Limited, and Tradewinds Insurance Company, Limited.

2021 market share for Island Insurance:

Island Insurance is the ninth largest auto insurer and the seventh largest home insurer in Hawaii.

How to buy a policy from Island Insurance:

Island Insurance sells its insurance through a group of select independent insurance agencies with offices located across Hawaii. There is no discount or lower rate for getting a price quote online from the Island Insurance website or any other website.

Check out the Island Insurance website to learn more about the company and find an agent near you:

https://www.islandinsurance.com/


13. Liberty Mutual Insurance

Liberty Mutual Insurance Group is a heavily advertised group of insurance companies, best known for auto and home insurance, available in most US states. Founded in 1912, the Liberty Mutual home office is in Boston, MA. Liberty Mutual offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

Liberty Mutual also owns Safeco Insurance, which operates as a separate brand, and is sold through independent insurance agencies. Safeco offers insurance in most US states but is not available in Hawaii. In 2022, Liberty Mutual acquired State Auto Insurance, which is also available through independent agents. State Auto is also not available in Hawaii.

2021 market share for Liberty Mutual Insurance:

Liberty Mutual is the sixth largest auto insurer and the sixth largest home insurer in Hawaii.

Complaint record for Liberty Mutual Insurance:

The 2019-2021 auto and home insurance complaint record for Liberty Mutual is not consistently better than the industry average. If Liberty Mutual has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to buy a policy from Liberty Mutual Insurance:

Liberty Mutual sells its insurance direct from the company and through its own group of Liberty Mutual agents operating from sales offices in one or more Hawaiian communities. Liberty Mutual agents also represent other auto & home insurance companies through Comparion Insurance Agency, a national agency owned by Liberty Mutual. There may be a discount for buying online from Liberty Mutual, but it may be worth it to pay a little more to have a personal agent to help if you have a claims or service problem. Get a price quote from an agent first, then check to see if you can get a lower rate for the same coverage online.

Check out the Liberty Mutual website to learn more about the company and get a price quote online:

https://www.libertymutual.com/

But a Liberty Mutual agent may be able to get you the lowest rate!

Find a Liberty Mutual agent in Hawaii at the Comparion Insurance website:

https://www.comparioninsurance.com/


14. Progressive Insurance

Progressive, a very heavily advertised group of insurance companies, best known for selling insurance direct to the public, but is also available from most independent insurance agencies, operates in almost all US states. Established in 1937, Progressive is headquartered in Mayfield, OH.

Like GEICO, Progressive underwrites auto insurance only, but sells other types of personal insurance, acting as an agent for other companies. However, in 2015, Progressive bought controlling interest in American Strategic Insurance (ASI), which it now uses as its primary home insurer. If Progressive sells you a policy not underwritten by Progressive or ASI, they are acting as an agent and not as your insurance company. For example, Progressive represents Homesite Insurance and sells its homeowners insurance. If Progressive sells you a Homesite homeowners insurance policy, Progressive is your agent and Homesite is the insurance company insuring your home.

2021 market share for Progressive Insurance:

Progressive is the fifth largest auto insurer in Hawaii.

Complaint record for Progressive Insurance:

The 2019-2021 auto insurance complaint record for Progressive is not consistently better than the industry average. If Progressive has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue. If you choose to buy direct from Progressive, your price savings needs to be significant, for it to be worth you having to fix claims or service problems on your own. Check out recent Progressive customers reviews online to see what problems may come up when you buy direct. Click this link to see Progressive Insurance customer reviews at the Yelp website.

How to buy a policy from Progressive Insurance:

If you want to find the best price with Progressive, you want to get a price quote direct from the company and from a local independent insurance agent representing Progressive. It may be counter-intuitive, but an agent may have the best rates for you. Also, the agent represents other companies that may have better rates for you than Progressive. Always check with an agent first, then check to see if there is a lower rate for buying direct saving you enough money to be worth not having an agent.

Check out the Progressive Insurance website to learn more about the company and find an agent near you:

https://www.progressive.com/


15. RLI Insurance Company

Founded in 1965, RLI is a US-based specialty insurer. RLI has been providing homeowners, condominium, dwelling, and renters insurance in Hawaii for more than 22 years. RLI does not offer auto insurance in Hawaii. However, umbrella liability insurance from RLI may be available to Hawaii residents.

2021 market share for RLI Insurance Company:

RLI is the eighth largest home insurer in Hawaii.

How to buy a policy from RLI insurance Company:

RLI sells its insurance exclusively through a group of select independent agents with offices located across Hawaii. You cannot buy or get a price quote online from the RLI website.

Check out the RLI insurance Company website to learn more about the company and find an agent near you:

https://www.rlicorp.com/hawaii-homeowners-insurance


16. State Farm Insurance

State Farm is a well-known, heavily advertised insurance company and is the largest auto & home insurer in many US states. Founded in 1922, the headquarters for State Farm is in Bloomington, IL. State Farm offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

In 2021, State Farm purchased GAINSCO, a nonstandard auto insurance company operating in Alabama, Arizona, Florida, Georgia, New Mexico, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Virginia. GAINSCO continues to operate as a separate brand and is available through independent insurance agencies appointed to represent GAINSCO. State Farm agents may not yet offer GAINSCO nonstandard auto insurance. State Farm itself does not offer nonstandard auto insurance, which insures drivers with a poor driving record, too many claims, or other circumstances making them ineligible for standard auto insurance.

2021 market share for State Farm Insurance:

State Farm is the second largest auto insurer and the largest home insurer in Hawaii.

Complaint record for State Farm Insurance:

The 2019-2021 auto and home insurance complaint record for State Farm is not consistently better than the industry average. If State Farm has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to buy a policy from State Farm Insurance:

State Farm sells its insurance through its own network of State Farm agents with offices located throughout Hawaii. There is no discount or lower rate for buying direct or getting a quote online from the State Farm website.

Check out the State Farm Insurance website to learn more about the company and find an agent near you:

https://www.statefarm.com/


17. USAA Insurance

USAA is a group of insurance companies providing financial services to active US military & veterans. Established in 1922, USAA is headquartered in San Antonio, TX. USAA insurance and banking products are not available if you do not meet its membership requirements.

To be considered for USAA insurance, you must be eligible for membership in USAA, most commonly by being a current military member or honorably discharged veteran, immediate family member of someone in the military, or a former policyholder. .

USAA offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market. For some common types of personal insurance, USAA partners with other companies. For example, USAA partners with Progressive for motorcycle insurance. Be sure to know which company is actually insuring you before buying insurance from USAA.

2021 market share for USAA Insurance:

Despite its restricted membership, USAA is the third largest auto insurer and the third largest home insurer in Hawaii.

Complaint record for USAA Insurance:

Contrary to its long reputation for superior service, the 2019-2021 auto and home insurance complaint record for USAA is not consistently better than the industry average. Since you will not have an agent to help you if you have a problem, be sure to see what USAA customers are saying about the company online before choosing USAA. You can click this link to see USAA Insurance customer reviews at the Yelp website.

How to buy a policy from USAA Insurance:

The only way to buy a policy or get a price quote is from the USAA website or calling the company. USAA sells direct and does not use agents. Learn more about USAA and its eligibility requirements at their website linked here:

https://www.usaa.com/?wa_ref=pub_global_home


18. Zephyr Insurance Company

Founded in 2000 to provide hurricane coverage in Hawaii, Zephyr Insurance Company was acquired by Heritage Insurance Holdings in 2016. Zephyr policies cover insured properties for windstorm damage from hurricanes only.

How to buy a policy from Zephyr Insurance Company:

Zephyr sells its insurance exclusively through a group of select independent agents with offices located across Hawaii. You cannot buy or get a price quote online from the Zephyr Insurance website.

Check out the Zephyr Insurance Company website to learn more about the company and find an agent near you:

https://zephyrins.com/


Do not make this mistake when shopping for auto or home insurance:

Most insurance shoppers do not check with enough companies and do not contact any independent agents. There are more auto and home insurance companies available in Hawaii. Some companies, not among the companies with the largest auto or home insurance market share in the state, were not included in this shopping guide. Many of these companies are available through independent agents across the Hawaiian Islands. The agents you find through Cincinnati, Comparion, DB, DTRIC, First, Hawaiian, Island, Progressive, RLI & Zephyr websites are independent agents representing other companies. Make sure you check with agents representing each of the companies listed in this shopping guide to help you find the insurance agent with the best combination of coverage, service, and price for you.

There are a few more important auto and home insurance companies, not available through most independent agents, you can find out about here in my supplemental auto & home insurance guide.

Why can you rely on my guides to help you find the best insurance companies for you? Check out my webpage explaining the sources of the information I use in my auto & home insurance guides, how I use the information, and what it should mean to you, to help you best use this guide.