The Best Motorcycle Insurance in Hawaii

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To compile our list, we also compared premiums and the policy offerings of Hawaii’s providers to determine the best motorcycle insurance companies in Hawaii. You can use the quote tool above or continue reading to see our analysis of the top motorcycle insurance companies in Hawaii.

Progressive is the best motorcycle insurance for most people.

Get A QuoteProgressive is our top choice for motorcycle insurance. It offers a wide range of coverage options and reliable service.

Progressive offers great coverage and customer service. Plus, rates in Hawaii are slightly higher than Geico at $564 per year — only $31 less.

Progressive offers the most comprehensive motorcycle coverage of any insurance company in the country. You get protection for accessories, trip interruption, and original equipment manufacturer (OEM)parts, as well as full replacement cost up to two years after purchasing a new motorcycle.

Progressive’s customer service team is reliable, too. The complaint index is 0.50. This means that Progressive received half the amount of complaints than an average insurer. This indicates that customers are satisfied with their service.

Geico is the best for lowest rates

Get A QuoteGeico offers the lowest rates of any motorcycle insurance we reviewed in Hawaii.

Geico is the best choice for riders who are looking for the cheapest motorcycle insurance in Hawaii. Geico costs $535 annually on average. Although it’s less expensive than Progressive, it is still a good choice.

Geico is a good choice, but it’s not as well-rated as our top pick. Its NAIC Complaint Index of 0.64 means that it received 64% more complaints than is normal for an insurer this size.

Geico’s coverage options are not sufficient. There are only a few additional options for motorcycle riders like roadside assistance or accessories coverage. Other features, such as trip interruption or replacement cost coverage, are not available.

USAA is the best for military families

Get A QuoteUSAA offers insurance with a discount through a company that has strong coverage options.

USAA is a great way to save money on insurance for military personnel and their families. Although USAA does not offer motorcycle insurance, they can get their customers a 5% discount for Progressive, our top pick in Hawaii.

USAA has fewer agents that many of its larger competitors. This makes it less attractive for people who want to meet in person.

How we selected the best motorcycle insurance in Hawaii

Three factors were considered when evaluating motorcycle insurance companies in Hawaii. We compared the following:

  • Affordable: What consumers can expect to pay for motorcycle insurance.
  • Coverage options Insurers offer endorsements as well as standard protection.
  • Customer Service: The company’s reputation for being fair and prompt in responding to customer claims.

Best motorcycle insurance providers offer affordable coverage that allows for you to add-ons as your requirements change. You don’t have to purchase additional coverage if your policy doesn’t cover basic needs.

Comparison of motorcycle prices in Hawaii to determine affordability

People looking for motorcycle insurance will be most concerned about the cost. To find the average cost of motorcycle insurance in Hawaii, we averaged rates from different addresses in Hawaii.

Motorcycle insurance in Hawaii costs on average $550. This is lower than the $721 national average. Riders will be happy to know that the average cost for motorcycle insurance in Hawaii is lower than the national average of $721.You could receive a different motorcycle insurance quote even if you ask for one. This is because premiums are determined by your driving record, where you live, and the policy limits you choose.

These are the limits we received from Hawaii’s motorbike insurance companies. These limits are higher than the minimum required car insurance, but it is a smart idea to have enough coverage to protect your assets and not just meet your state’s legal coverage threshold.

  • Bodily Injury Liability Cover: $100,000 per Person/$300,000.00 per Accident
  • Property Damage Liability Coverage: $50,000 Per Accident
  • Collision coverage – Included/$500 Deductible
  • Comprehensive coverage: Included/$500 Deductible
  • All other coverages are not included

We requested online motorcycle insurance for a married man aged 45 with 20 years riding experience. Our sample profile includes a 2021 Harley-Davidson FLHX street glide Harley-Davidson FLHX Street Glide.

Compare quotes from Hawaii’s top motorcycle insurance providers

Options for coverage: How to evaluate motorcycle insurance policies and their features

All of the insurers that we have highlighted offer enough coverage to satisfy Hawaii’s minimum requirements. Each company also offers additional endorsements that can be added to a standard policy.

Customer service: We considered both the quality of the insurer’s service and the satisfaction of claims. To determine which motorcycle insurance company in Hawaii offers the best customer service, we used three measures: The Complaint Index published in the NAIC, scores from A.M. Best Financial Strength Rating (FSR) and the Complaint Index. NAIC Complaint Index A company’s Complaint Index is a measure of the number and proportionality of complaints received relative to its size. The NAIC uses 1.0 as a benchmark to communicate the Complaint Index. A company with a Complaint Index higher than 1.0 is more likely to receive complaints than its market share.

AM Best Financial Stability Rating: A.M. Best evaluates the financial ability of insurers to pay claims to policyholders and meet their financial obligations. This is especially important in times of economic recession or major natural disasters. A majority of insurers are financially sound, but creditors can help you identify risky providers.

Hawaii motorcycle insurance prices by city

We compared the rates to find the average price of motorcycle insurance in Hawaii. Below is a table that shows the differences between Hawaii’s average cost of coverage for each location.

The cost of motorcycle insurance in Hawaii is not very different. The cost of motorcycle insurance in Hawaii is generally about the same as the state average, with Honolulu being the most costly.

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