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 guide makes buying car insurance in Hawaii easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how car insurance works in Hawaii and how much you need.
- Geico provides the most affordable annual rates for full coverage car insurance in Hawaii, costing $1,184 per year.
- In Hawaii, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Hawaii costs $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?
According to CarInsurance.com data, drivers in Hawaii pay about $126 per month for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in Hawaii by coverage level
In Hawaii, car insurance rates can differ depending on how much coverage you choose. Drivers in Hawaii are required by law to have minimum insurance coverage limits of 20/40/10 to drive legally.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Hawaii. However, they don’t offer much protection.
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.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
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
Hawaii’s car insurance laws require a minimum coverage of $20,000 in bodily injury liability per person, $40,000 in bodily injury liability per accident and $10,000 in property damage liability.
In Hawaii, you can get state minimum car insurance for $396 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added 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.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
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.
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Calculate the cost of car insurance in Hawaii
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Hawaii have to pay more than those living where the risks are lower.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Hawaii Car Insurance Rates by ZIP Code
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 example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
See how much you’ll pay for car insurance for your specific 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 drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Hawaii drivers aged 30 to 60 have the lowest average auto insurance rates at $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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Hawaii can increase your premiums by up to 217% because insurers see you as a risky driver.
If you receive a speeding ticket in Hawaii, be prepared for your car insurance rates to rise by up to 65% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 65% increase
- DUI conviction: 217% increase
- At-fault accident (bodily injury and property damage): 41% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Hawaii for high-risk drivers
In Hawaii, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance 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 the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and 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
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Hawaii
Drivers in Hawaii can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Begin your search for the top car insurance policy in Hawaii by getting quotes from multiple insurance providers and comparing them.
Below are the details of Hawaii car insurance companies and their 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 rates vary by city in Hawaii for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
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.
Below, you’ll see the average annual car insurance cost of major cities in Hawaii.
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?
Car insurance in Hawaii costs an average of $126 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your 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.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Hawaii.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Hawaii