The Best Cheap Motorcycle Insurance in Hawaii

It ‘s necessity to find the motorbike indemnity that ‘s right for you. In Hawaii, we determined that the cheapest pace for typical motorbike riders is $ 535 per year, available at Geico .
The average cost of motorbike policy in Hawaii is $ 535 per year, or $ 45 per month .

Compare motorcycle insurance quotes in Hawaii

presently insured ? Along with premiums, we compared the price and policy offerings of providers in Hawaii to compile our tilt of the top motorbike insurers in the state. Use the above quote tool, or keep understand for our psychoanalysis on the top motorcycle insurers in Hawaii .

Best motorcycle insurance for most people: Progressive

ProgressiveGet a Quote Progressive ‘s wide selection of coverage options and dependable service make it our top pick for motorbike insurance. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/progressive-2 ”, ” description ” : ” Progressive ‘s wide survival of coverage options and dependable service make it our top woof for motorcycle policy. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” connect ” : ” hypertext transfer protocol : \/\/\/zero-click.html ? cu=https : \/\/\/auto\/ & carrier=Progressive ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” name ” : ” Progressive ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” title ” : ” Progressive ” }
Progressive has capital coverage options and customer service, plus rates in Hawaii that are slightly higher than Geico, at $ 564 per annum — only $ 31 more expensive per class .
Progressive has some of the best motorbike coverage options of any insurance company in the state. It offers protection for accessories, trip pause and original equipment manufacturer ( OEM ) parts, plus full substitution cost for up to two years after you buy a modern bicycle .
progressive ’ mho customer service is dependable, besides. It has a charge index of only 0.50, meaning that it received just half the issue of complaints as an modal insurance company, when adjusted for size. This suggests that customers tend to be satisfied with their service .

Best for lowest rates: Geico

GeicoGet a Quote Geico has the absolute lowest rates of any motorcycle insurance company we reviewed in Hawaii. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/geico-5 ”, ” description ” : ” Geico has the absolute lowest rates of any motorbike insurance company we reviewed in Hawaii. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/\/ ”, ” name ” : ” Geico ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : faithlessly, ” hideTitle ” : on-key, ” title ” : ” Geico ” }
For riders looking for the most low-cost motorcycle insurance in Hawaii, we recommend Geico. It costs an average of $ 535 per year. It ’ s more low-cost than our top cream, Progressive, but only by about 5 % .
Geico has commodity servicing, though it ‘s not as highly rated as our top picking. Its NAIC Complaint Index is 0.64, meaning it received 64 % as many complaints as can be expected for an insurance company of its size .
But Geico falls short in its coverage options. It has only a few extra options available to motorcycle riders, including wayside aid and accessories coverage. It besides lacks other features such as successor monetary value coverage or trip interruption .

Best for military families: USAA

USAAGet a Quote USAA offers indemnity at a discount from a company with potent coverage options. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/usaa-3 ”, ” description ” : ” USAA offers insurance at a discount from a ship’s company with firm coverage options. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” connection ” : ” hypertext transfer protocol : \/\/\/inet\/wc\/insurance-products ? akredirect=true ”, ” name ” : ” USAA ”, ” hideBanner ” : false, ” hideDescription ” : fake, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” title ” : ” USAA ” }
One way for members of the military and their families to save on insurance is to go through USAA. While USAA does n’t offer its own motorbike policy, it can get its customers a 5 % discount rate on Progressive — our top overall choice in Hawaii .
USAA has fewer agents than many larger competitors, so it would not be a top option for those looking to work with person in person .

How we chose the best motorcycle insurance in Hawaii

We evaluated motorbike policy companies in Hawaii according to three considerations. We compared each insurance company ‘s :

  • Affordability: How much consumers might expect to pay for a motorcycle insurance policy.
  • Coverage options: The endorsements offered by insurers, as well as the quality of standard protection.
  • Customer service: A company’s reputation for responding to claims fairly and timely.

The best motorcycle insurance providers have low-cost coverage that allows you to purchase add-ons as your needs evolve. however, you should n’t be obligated to buy extra protection because your policy excludes coverage for basic needs .

Affordability: Comparing motorcycle prices in Hawaii

price is one of the most important deciding factors for people looking for motorbike indemnity. With this in take care, we averaged rates collected from addresses across Hawaii to find the typical cost of motorcycle indemnity in the state .
On average, motorcycle insurance in Hawaii is about $ 550, which is cheaper than the national average of $ 721. fortunately for riders, the average monetary value of motorcycle insurance does n’t vary much in Hawaii : The remainder between the most expensive and cheapest policies in Hawaii is less than $ 100 per year .
Cheapest motorcycle insurance in Hawaii

Compare motorcycle insurance quotes from providers in Hawaii

presently insured ?


Average annual cost

Geico $535
Average $550
Progressive $564

flush if you request an on-line motorbike indemnity quotation for the same type of motorbike as another person, you could get a unlike quotation This is because your premiums are determined by your personal drive history, your localization and your coveted policy limits, in addition to your motorbike ‘s name and model .
The quotes we requested from Hawaii ‘s motorcycle insurance companies carried the be limits. even though these limits exceed the minimum car indemnity required, it ‘s a good idea to get adequate coverage to protect your assets preferably than just meet your state of matter ‘s legal threshold for coverage .

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: included/$500 deductible
  • Comprehensive coverage: included/$500 deductible
  • All other coverages: not included

To get these rates, we requested motorbike insurance on-line for a 45-year-old marry male homeowner with 20 years of riding know. The bicycle associated with our sample profile is a 2021 Harley-Davidson FLHX Street Glide .

Compare motorcycle insurance quotes from providers in Hawaii

presently insured ?

Coverage options: Evaluating motorcycle insurance policies and features

The insurers we ‘ve highlighted all offer more than adequate coverage to meet Hawaii ‘s minimum insurance requirements. additionally, each company offers extra endorsements you can use to supplement a standard policy .
Before deciding which motorcycle policy company works best for your needs, evaluate whether an insurance company has a policy with adequate coverage for your motorcycle. It ‘s best if your motorcycle insurance supplier allows you the flexibility to adjust your coverage limits and purchase useful endorsements, excessively .

Insurance provider

Replacement cost coverage

OEM parts replacement

Custom parts

Roadside assistance

Rental reimbursement

Progressive X† X X† X

Customer military service : Considering insurance company quality in service and claims atonement We used three measurements to determine which motorbike policy 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

AM Best rating

Progressive 0.5 A+
Geico 0.64 A++
Dairyland 2.69 A+
USAA 0.85 A++

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 plowshare suggests .
AM Best Financial Strength Rating : A.M. Best judges the ability of insurers to meet their fiscal obligations, such as paying claims to policyholders, particularly in the event of an economic receding or large-scale natural catastrophe. Although most insurers are found financially goodly by A.M. Best, the creditor can help you weed out hazardous providers .

Hawaii motorcycle insurance costs by city

With the rates we sourced for this survey, we found the median cost of motorcycle policy in towns and cities across Hawaii. This information is tabulated below, aboard each location ‘s dispute from Hawaii ‘s average monetary value 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 % .


Annual cost

Difference from statewide average

Aiea $592 7.6%
Ewa Beach $540 -1.8%
Haleiwa $540 -1.8%
Hauula $540 -1.8%
Hilo $540 -1.8%
Holualoa $540 -1.8%
Honokaa $540 -1.8%
Honolulu $592 7.6%
Kaaawa $540 -1.8%
Kahuku $592 7.6%
Kahului $540 -1.8%
Kailua Kona $540 -1.8%

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Hawaii insurance requirements

Hawaii ‘s riders must get the lapp total of minimal policy as the state ‘s ceremonious drivers. Hawaii alone requires bodily injury and place wrong liability coverages. Since these coverages entirely protect other drivers from damage you ‘re responsible for, you ‘ll have to purchase extra coverage if you want to cover your own motorcycle .
To operate your motorbike legally in Hawaii, you must purchase :

Coverage type

Required minimum

Bodily injury liability $20,000 per person / $40,000 per accident
Property damage liability $10,000 per occurrence

How do you get a motorcycle license in Hawaii?

It ‘s a simpleton serve to get a class 2 motorbike license or endorsement in Hawaii. This class of license applies to both motorcycles and motor-powered scooters. You must get a learner ‘s let before qualifying for a motorbike license .
To acquire a allow, you must pass a vision test before completing written tests. One is for operating a motorcycle and the early is a rules of the road examination. If you have a unconstipated driver ‘s license, you do n’t have to take the second examination. once you have a apprentice ‘s allow, you must complete a skill test before it expires .


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 bicycle associated with our policy is a 2021 Harley-Davidson FLHX Street Glide. Prices will fluctuate depending on person factors .

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