When drivers turn 25, they move out of the highest-risk age category, resulting in a substantial decrease in car insurance rates. A 25-year-old with a clean driving record and no traffic tickets typically pays almost same as for a full coverage policy than they did at age 20.

The average annual cost of a full coverage car insurance policy for a 25-year-old is $2,259 a year or $188 per month – almost same as the insurance cost for a 24-year-old driver.

In Hawaii, the yearly cost for the same coverage is $1,517 for 25-year-olds.

Keep reading to learn more about car insurance for 25-year-olds in Hawaii.

Cheapest car insurance for 25-year-olds in Hawaii

In Hawaii, a 25-year-old driver spends $1,517 annually on full coverage car insurance. Below, see the average full coverage rates from major insurance providers in Hawaii for 25-year-old male and female drivers.

Company25-year-old female25-year-old male
Geico$1,184$1,184
Progressive$1,279$1,279
Farmers$1,495$1,495
Island Insurance$1,771$1,771
Allstate$1,882$1,882
State Farm$1,938$1,938
USAA*$1,067$1,067

How much is car insurance for a 25-year-old in Hawaii each month?

If you’re a 25-year-old in Hawaii, the amount you pay for car insurance will depend on where you live, coverage limits, credit score, driving record and your deductibles.

Below are the average annual and monthly car insurance costs for 25-year-old drivers in Hawaii.

25-year-old policyAverage annual ratesAverage monthly rates
State Minimum Liability Only$396$33
50/100/50 Liability Only$572$48
100/300/100 Liability with $500 Comp/Coll Deductible$1,517$126

How do rates for 25-year-olds compare to rates for other ages in Hawaii?

The cost of car insurance will peak in your teens and decrease yearly until age 65 when rates start to increase again. See the chart below to see how rates change at various ages, from your teens to age 70.

AgeAverage annual ratesAverage monthly rates
16$1,747$146
20$1,538$128
25$1,517$126
40$1,517$126
65$1,517$126
70$1,517$126

Check out our detailed guide on the average car insurance rates by age

How much is car insurance for a 25-year-old male in Hawaii?

The average full coverage car insurance policy for a 25-year-old male with a $500 comprehensive/collision deductible in Hawaii is $1,517, according to CarInsurance.com data.

Coverage levelAverage annual rates for male
State Minimum Liability Only$396
50/100/50 Liability Only$572
100/300/100 Liability with $500 Comp/Coll Deductible$1,517

The Insurance Institute for Highway Safety reports that 25- to 30-year-old males were involved in 1,848 fatal accidents in 2020 – a rate of about 15.6 per 100,000 male drivers. That’s still high compared to the accident rates for males in their 30s and 40s, but it is trending down from the fatality rates for those in their early 20s.

How much is car insurance for a 25-year-old female in Hawaii?

With a good driving record and credit score, female drivers will notice their insurance rates have dropped substantially at age 25.

The average national cost of a full coverage insurance policy for a 25-year-old female with a $500 comprehensive/collision deductible is $2,224. In Hawaii, the average annual cost for a full coverage policy is $1,517, $707 less than the national rate for 25-year-old females.

See other rates in the table below.

Coverage levelAverage annual rates for female
State Minimum Liability Only$396
50/100/50 Liability Only$572
100/300/100 Liability with $500 Comp/Coll Deductible$1,517

What’s the best car insurance for 25-year-old drivers in Hawaii?

At 25, young adults are beginning to build their finances, so they can afford more than liability car insurance. Liability insurance only covers injuries and damage you cause to others in an accident up to the policy’s limits. However, the minimum coverage required by the state is often insufficient because medical expenses can quickly add up if someone is seriously injured in a crash.

As young adults earn more disposable income, they should think about getting comprehensive and collision coverage, especially if they’re financing a vehicle (in which case, full coverage will be required by the lender). Choosing a higher deductible can lower your insurance rate, but remember that you’ll have to pay the deductible if you need to file a claim.

Ultimately, the best car insurance for 25-year-olds is the one that suits their individual needs. According to CarInsurance.com’s Best Insurance Companies survey, American Family is the top choice for young drivers and teens. When evaluating an insurance company, consider its National Association of Insurance Commissioners (NAIC) score, which ranks companies based on the number of customer complaints it receives, its J.D. Power auto claims satisfaction score and AM Best rating, which assesses financial strength.

Car insurance discounts for 25-year-olds in Hawaii

Kevin Lynch, an assistant professor of insurance at The American College of Financial Services in Bryn Mawr, Penn., stresses that the three biggest favors any young adult can do for themselves in terms of getting the lowest insurance rates are to stay accident-free, have a clean driving record and maintain a good credit score.

“They’re the essentials of getting affordable insurance,” he says. “After that, you can look at a variety of other things such as affiliated discounts, bundling insurance policies and perhaps an in-car monitoring device.”

Other car insurance discounts that might be available:

  • Good driver/safe driver: Up to 30%
  • Multi-policy discounts: Up to 13%
  • Lower annual mileage/driving less: Up to 9%
  • Usage-based discount programs/telematics: Up to 10%
  • Paperless discount/autopay: Up to 4%
  • Loyalty discount: Up to 11%
  • Anti-theft devices: Up to 2%

Beyond discounts, be mindful of the type of car you buy. A practical, safe and reliable car will have a much lower insurance rate than a sports or luxury vehicle.

Compare rates on car models like the top teen and young adult-ready cars that cost less than $15,000 with high safety ratings.

Guide: How to lower car insurance costs

Final thoughts on car insurance for 25-year-olds in Hawaii

As you gain more experience driving, your auto insurance rates will fall. The even better news is it will continue to get cheaper as you age.

Resources & Methodology

Sources

  1. Insurance Institute for Highway Safety, Highway Loss Data Institute. “Fatality Facts 2020, Males and Females.” Accessed March 2025.
  2. National Association of Insurance Commissioners. “NAIC Score” Accessed March 2025.
  3. J.D. Power. “2022 U.S. Auto Claims Satisfaction Study” Accessed March 2025.
  4. AM Best. “AM Best Ratings” Accessed March 2025.

Methodology

CarInsurance.com gathered auto insurance rates from Quadrant Information Services for 25-year-old male and female drivers across various coverage levels: state minimum, 50/100/50 liability, and 100/300/100 full coverage with a $500 deductible.

The rates were obtained using a sample profile of a 25-year-old individual driving a Honda Accord LX with no history of traffic violations and a good insurance score. To evaluate the rates, we compared 53,409,632 insurance quotes from 170 regional and national insurance companies, encompassing 34,588 ZIP codes across the United States.

Note: USAA is only available to military community members and their families.

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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network.