The cost of car insurance in Hawaii varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Geico offers the cheapest rates at $1,184 a year for full coverage.
This comprehensive guide to buying car insurance for Hawaii drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to get a clear idea of how car insurance in Hawaii works and how much coverage you need.
- Geico provides the most affordable annual rates for full coverage car insurance in Hawaii, at $1,184 per year.
- In Hawaii, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- Minimum liability coverage in Hawaii costs around $396 annually for limits of 20/40/10, while liability-only coverage costs $572 per year for limits of 50/100/50.
- In Hawaii, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 65%, a DUI raising rates by 217%, and an at-fault accident by up to 41%.
How much is car insurance in Hawaii?
CarInsurance.com data found that drivers in Hawaii pay $126 monthly for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Hawaii by coverage level
Car insurance costs in Hawaii can differ based on the coverage limit. To legally drive, Hawaii residents must adhere to the minimum liability limits of 20/40/10.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Hawaii car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $33 | $396 |
| Liability Only – 50/100/50 BI/PD | $48 | $572 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $126 | $1,517 |
State minimum car insurance in Hawaii
In Hawaii, minimum car insurance requirements include $20,000 of bodily injury liability per person, $40,000 of bodily injury liability per accident and $10,000 of property damage liability.
The state minimum car insurance cost in Hawaii is $396 a year. However, this basic coverage only offers limited protection. Hawaii drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Hawaii must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Hawaii
According to CarInsurance.com data, liability-only car insurance costs $572 in Hawaii for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Hawaii
On average, premiums for full coverage car insurance in Hawaii cost $1,517 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Hawaii
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
This means that residents in higher-risk neighborhoods in Hawaii have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Hawaii car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Hawaii by car model
In Hawaii, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Hawaii.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Hawaii
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Hawaii drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,517 annually.
Car insurance for drivers aged 16-19 costs $122 more annually than Hawaii drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $1,639 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $1,520 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,517 per year in Hawaii.
- For senior drivers: Drivers age 65 and older can expect to pay $1,517 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Hawaii
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Hawaii, a DUI conviction lead to increased rates and you may see a rate hike of up to 217% as insurers categorize you as a high-risk driver.
Similarly, if you get a speeding ticket in Hawaii, you’ll likely see an increase in your car insurance premium by up to 65% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Hawaii after driving incidents:
- Speeding ticket: Up to 65% increase
- DUI conviction: 217% increase
- At-fault accident (bodily injury and property damage): 41% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Hawaii for high-risk drivers
In Hawaii, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,310 |
| Geico | $1,727 |
| Progressive | $1,842 |
| State Farm | $2,307 |
| Island Insurance | $2,361 |
| Farmers | $2,428 |
| Allstate | $2,869 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Hawaii
In Hawaii, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Hawaii by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in Hawaii and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Geico | $258 | $432 | $1,184 |
| Progressive | $452 | $726 | $1,279 |
| Farmers | $408 | $572 | $1,495 |
| Island Insurance | $415 | $556 | $1,771 |
| Allstate | $500 | $702 | $1,882 |
| State Farm | $496 | $674 | $1,938 |
| USAA | $246 | $347 | $1,067 |
Car insurance rates by city in Hawaii
Waikoloa Village is the priciest city in Hawaii for car insurance, costing an average of $1,630 annually. On the other hand, Anahola is the most affordable city, where drivers pay an average of $1,347 per year for car insurance.
Car insurance costs differ from city to city in Hawaii, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Hawaii’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,095 |
| Geico | $1,298 |
| Progressive | $1,423 |
| Farmers | $1,596 |
| Island Insurance | $1,803 |
| State Farm | $2,051 |
| Allstate | $2,145 |
How much does car insurance cost in Hawaii per month?
In Hawaii, a full coverage car insurance policy with 100/300/100 limits typically costs about $126 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $33 |
| Liability Only – 50/100/50 BI/PD | $48 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $126 |
Final thoughts on choosing car insurance in Hawaii
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Hawaii.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Hawaii. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 20/40/10.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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