The Best Cheap Motorcycle Insurance in Hawaii

The average rate of motorcycle insurance in Hawaii is around $550 per year, which is around 25% cheaper than the national average.

The cheapest motorcycle insurance companies in Hawaii

On average, motorcycle insurance in Hawaii is about $550, which is cheaper than the national average of $721. Fortunately for riders, the average cost of motorcycle insurance doesn't vary much in Hawaii: The difference between the most expensive and cheapest policies in Hawaii is less than $100 per year.

Cheapest motorcycle insurance companies in Hawaii

Best motorcycle insurance for most people: Progressive

Progressive has great coverage options and customer service, plus rates in Hawaii that are slightly higher than Geico, at $564 annually — only $31 more expensive per year.

Progressive has some of the best motorcycle coverage options of any insurer in the nation. It offers protection for:

Progressive’s customer service is dependable, too. It has a complaint index of only 0.50, meaning that it received just half the number of complaints as an average insurer, when adjusted for size. This suggests that customers tend to be satisfied with their service.

Best for lowest rates: Geico

Geico is the best option for riders looking for the most affordable motorcycle insurance in Hawaii, with an average cost of $535 per year. It’s more affordable than our top pick, Progressive, but only by about 5%.

Geico has good service, though it's not as highly rated as our top pick. Its NAIC Complaint Index is 0.64, meaning it received 64% as many complaints as can be expected for an insurer of its size.

But Geico falls short in its coverage options. It has only a few extra options available to motorcycle riders, including roadside assistance and accessories coverage. It also lacks other features such as replacement cost coverage or trip interruption.

Best for military families: USAA

One way for members of the military and their families to save on insurance is to go through USAA. While USAA doesn't offer its own motorcycle insurance, it can get its customers a 5% discount on Progressive — our top overall pick in Hawaii.

USAA has fewer agents than many larger competitors, so it would not be a top option for those looking to work with someone in person.

To get these rates, we requested motorcycle insurance online for a 45-year-old married male homeowner with 20 years of riding experience. The bike associated with our sample profile is a 2021 Harley-Davidson FLHX Street Glide.

Coverage options: Evaluating motorcycle insurance policies and features

The insurers we've highlighted all offer more than enough coverage to meet Hawaii's minimum insurance requirements. Additionally, each company offers additional endorsements you can use to supplement a standard policy.

Before deciding which motorcycle insurance company works best for your needs, evaluate whether an insurer has a policy with enough coverage for your motorcycle. It's best if your motorcycle insurance provider allows you the flexibility to adjust your coverage limits and purchase useful endorsements, too.

Customer service: Considering insurer quality in service and claims satisfaction We used three measurements to determine which motorcycle insurance company in Hawaii has the best customer service: the Complaint Index published by the NAIC, the scores awarded to providers from A.M. Best's Financial Strength Rating (FSR).

NAIC Complaint Index: A company's Complaint Index measures the number of complaints it receives relative to its size. The NAIC communicates the Complaint Index using 1.0 as a benchmark. This means a company with a Complaint Index greater than 1.0 receives more complaints than its market share suggests.

AM Best Financial Strength Rating: A.M. Best judges the ability of insurers to meet their financial obligations, such as paying claims to policyholders, especially in the event of an economic recession or large-scale natural disaster. Although most insurers are found financially healthy by A.M. Best, the creditor can help you weed out risky providers.

Hawaii motorcycle insurance costs by city

With the rates we sourced for this survey, we found the average cost of motorcycle insurance in towns and cities across Hawaii. This information is tabulated below, alongside each location's difference from Hawaii's average price of coverage.

There's not much variance in the cost of motorcycle insurance in Hawaii. Generally, the most expensive cities, such as Honolulu, differ from the statewide average by about 4%.

Hawaii insurance requirements

Hawaii's riders must get the same amount of minimum insurance as the state's conventional drivers. Hawaii only requires bodily injury and property damage liability coverages. Since these coverages only protect other drivers from damage you're responsible for, you'll have to purchase additional coverage if you want to cover your own bike.

To operate your motorcycle legally in Hawaii, you must purchase:

How do you get a motorcycle license in Hawaii?

It's a simple process to get a Class 2 motorcycle license or endorsement in Hawaii. This class of license applies to both motorcycles and motor-powered scooters. You must get a learner's permit before qualifying for a motorcycle license.

To acquire a permit, you must pass a vision test before completing written tests. One is for operating a motorcycle and the other is a rules of the road exam. If you have a regular driver's license, you don't have to take the second exam. Once you have a learner's permit, you must complete a skill test before it expires.

Methodology

We collected 74 quotes for addresses throughout Hawaii's islands. The rates we requested were for a 45-year-old male homeowner, married, with 20 years of experience riding bikes recreationally. The bike associated with our policy is a 2021 Harley-Davidson FLHX Street Glide. Prices will fluctuate depending on individual factors.

Even if you request an online motorcycle insurance quote for the same type of motorcycle as another person, you could get a different quote This is because your premiums are determined by your personal driving history, your location and your desired policy limits, in addition to your motorcycle's make and model.

The quotes we requested from Hawaii's motorcycle insurance companies carried the following limits. Even though these limits exceed the minimum car insurance required, it's a good idea to get enough coverage to protect your assets rather than simply meet your state's legal threshold for coverage.