Hawaii drivers pay about $863 per year for full coverage car insurance, while minimum coverage costs around $375 per year. Rates can change based on age, coverage level, location, driving record, and credit history. Having a clean driving record and good credit can help lower your premiums.
How Much Is Car Insurance in Hawaii? (November 2024)
Updated: November 14, 2024
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Why Trust MoneyGeek? We analyzed data and quotes from Quadrant Information Services and the Hawaii Department of Insurance to determine the most precise average costs for various Hawaii drivers.
These rates reflect the average cost of car insurance in Hawaii as of November 2024.
5,918Quotes Analyzed
7Companies Compared
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Average Car Insurance Costs in Hawaii
The average annual cost of full coverage car insurance in Hawaii is $863. Understanding average costs helps you assess whether you receive an affordable or expensive quote. Compare car insurance quotes to learn more about your options.
Below are the average costs for auto insurance in Hawaii, showing what you might pay per month and year for minimum or full coverage.
| 100/300/100 Full Cov. w/$1,000 Ded. | $863 | $72 |
| 100/300/100 Liability Only | $471 | $39 |
| State Minimum Liability Only | $375 | $31 |
Why Are Car Insurance Rates Moderate in Hawaii?
Car insurance in Hawaii is relatively affordable compared to many other states. The average annual premium for minimum coverage is $375 or about $31 monthly. The national average is higher at $619 per year or $52 per month. The state average annual premium for full coverage is $863, which is lower than the national average of $1,358.
Several factors influence insurance rates, such as accident, theft, natural disasters, and health care and auto repair costs. Hawaii's lower insurance rates stem from its less congested roads, strict regulations on insurance companies and fewer claims related to extreme weather. Hawaii's no-fault insurance requirements might also influence overall costs.
Average Car Insurance Costs in Hawaii by Company
Car insurance premiums vary significantly between companies, even in the same state. In Hawaii, GEICO offers the most affordable full coverage at an annual rate of $669, while Progressive has the most expensive policy at around $1,095 per year.
Compare quotes from different providers to find the cheapest car insurance in Hawaii and save money.
Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
| GEICO | $669 | $56 |
| Farmers | $739 | $62 |
| State Farm | $833 | $69 |
| Island Insurance Group | $871 | $73 |
| Allstate | $970 | $81 |
| Progressive | $1,095 | $91 |
Average Car Insurance Costs in Hawaii by Coverage Level
Car insurance costs in Hawaii are also affected by the level of coverage selected. For instance, choosing minimum coverage typically costs about $31 monthly, whereas a full coverage policy with a $1,000 deductible averages approximately $72 per month. Full coverage is often recommended despite its higher cost because it provides more comprehensive financial protection in case of accidents or other damages. Learn more about full coverage insurance.
Including comprehensive and collision coverage in your policy can elevate your premium, but opting for higher deductibles can mitigate this increase. Remember that each comprehensive and collision coverage comes with its own deductible, allowing you to tailor your policy to your financial comfort level.
| State Minimum Liability Only | $375 | $31 |
| 100/300/100 Liability Only | $471 | $39 |
| 300/500/300 Liability Only | $529 | $44 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $730 | $61 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $767 | $64 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $826 | $69 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $862 | $72 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $863 | $72 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $883 | $74 |
| 300/500/300 Full Cov. w/$1,000 Ded | $920 | $77 |
| 100/300/1000,000 - 500 comp_coll | $958 | $80 |
| 300/500/300 Full Cov. w/$500 Ded. | $1,016 | $85 |
Minimum Car Insurance Requirements in Hawaii
Hawaii's minimum car insurance requirements include $20,000 for bodily injury liability per person, $40,000 for bodily injury liability per accident, $10,000 for property damage liability per accident and $10,000 for personal injury protection per person. Uninsured/underinsured coverage isn't required.
$20,000 for bodily injury liability per person
In Hawaii, drivers are required to carry at least $20,000 in bodily injury liability coverage for each person injured in an accident.
$40,000 for bodily injury liability per accident
Hawaii's minimum coverage mandates that drivers must have $40,000 in bodily injury liability coverage for all persons injured in a single accident.
$10,000 for property damage liability per accident
Hawaii law requires a minimum of $10,000 in property damage liability coverage to pay for damages to another person's property per accident.
$10,000 personal injury protection (PIP) per person
Hawaii is a no-fault state, which means drivers need at least $10,000 in PIP coverage to pay for their own medical expenses after an accident.
MONEYGEEK EXPERT TIP
Massachusetts prohibits car insurance companies from rating policyholders based on age, gender, marital status, race, creed, national origin, religion, occupation, income, education and homeownership. Hawaii and California also disallow the use of age and gender in setting auto insurance rates
Average Car Insurance Costs in Hawaii by Age
Younger drivers typically face higher premiums due to less driving experience, while middle-aged drivers enjoy more favorable rates. The trend reverses slightly for senior drivers, who may see an increase in costs. However, in Hawaii, age doesn't affect the cost of car insurance, with drivers from all age groups paying an average annual premium of $863 or $72 per month. This is an exception to the norm.
Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
| 22-29 | $863 | $72 |
| 30-59 | $863 | $72 |
| 60 + | $863 | $72 |
Average Car Insurance Costs in Hawaii for Teens
Age and gender are significant factors in Hawaii's car insurance rates. A 16-year-old male driver added to a family policy faces an average annual cost of $1,040, typically the highest premium across all age groups.
Teens under 18 must have a parent or guardian co-sign to obtain car insurance legally. Choosing an individual policy increases the annual premium of 16-year-old boys to around $1,316.
Average Car Insurance Costs in Hawaii for New Cars
Full coverage car insurance for a 2012 model costs an average of $805 annually, compared to $961 for a 2022 model. Newer models have higher premiums due to their higher actual cash value and increased risk of costly repairs or theft.
Consider adding comprehensive and collision coverages for newer models to protect against damage and loss, protecting your investment beyond minimum coverage.
Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
| 2012 Vehicle | $805 | $67 |
| 2022 Vehicle | $961 | $80 |
ACTUAL CASH VALUE
Your vehicle's actual cash value (ACV) is the amount your insurance company will typically pay out on comprehensive or collision claims. It represents your car's market value, factoring in depreciation at the time of the claim. If your vehicle is totaled or damaged, the ACV determines the maximum reimbursement under your policy.
Average Car Insurance Costs in Hawaii by Driving Record
The average cost of car insurance in Hawaii varies significantly depending on a driver's record.
- With a ticket: $1,029 per year; $86 per month
- With an at-fault accident: $1,256 per year; $105 per month
- With a DUI: $3,327 per year; $277 per month
More severe violations often mean higher insurance costs. If you have a violation on your record, it will continue to affect how much you pay. How long a violation stays on your record differs in each state. In Hawaii, a DUI can remain on your driving record for up to five years, potentially impacting your car insurance premiums for as long.
Check out the table below for the average insurance costs in Hawaii based on various driving records, coverages and age groups.
Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
Age Group:
Age Group:30-59
| Clean | $863 | $72 |
| Ticket | $1,029 | $86 |
| At-fault Accident | $1,256 | $105 |
| DUI | $3,327 | $277 |
Factors Affecting Car Insurance Rates in Hawaii
Explore the key factors shaping your car insurance rates in Hawaii, impacting your premiums and the coverage you might need.
- Driving record: A clean driving record can lead to more affordable car insurance rates, while infractions like speeding tickets or DUIs may result in higher premiums.
- Age and experience: Young and inexperienced drivers often face higher car insurance costs due to their increased risk of accidents, while older, seasoned drivers tend to benefit from lower rates.
- Vehicle type: High-value cars, sports cars, or models prone to theft can cost more to insure. Safety features and vehicle age also affect your rate.
- Coverage level: Opting for state minimum coverage will generally be cheaper than choosing a plan with higher protection levels, such as comprehensive insurance or collision insurance.
- Credit score: Hawaii is one of a few states where insurers cannot use credit score as a factor when determining car insurance rates.
- Location: Rates can fluctuate based on your location in Hawaii. Urban areas sometimes face higher insurance costs due to increased risks of theft, vandalism and accidents.
- Discount eligibility: Discounts for multiple vehicles, good students or affiliation with specific organizations can reduce your car insurance premium in Hawaii.
Remember, a personalized quote will give you the most accurate rate for car insurance in Hawaii.
How to Save Money on Car Insurance in Hawaii
To secure affordable car insurance in Hawaii, compare rates, raise your deductible and use all applicable discounts to reduce your premium while maintaining essential coverage.
Shop around for rates
Comparing rates from different insurers can lead to finding the cheapest car insurance in Hawaii. Providers may offer varying premiums for the same coverage.
Maintain a clean driving record
A clean driving record with no accidents or violations can significantly reduce your car insurance costs. Safe driving habits are rewarded with lower premiums.
Bundle your policies
Bundling car insurance with other policies, like homeowners or renters insurance, can lead to discounts. Insurers often provide savings for multiple policies.
Increase your deductible
Choosing a higher deductible can lower your monthly premiums. Ensure you can afford the deductible in case of a claim.
Look for discounts
Ask insurers about available discounts for things like being a good student, having a car with safety features or being a member of certain organizations.
Consider usage-based insurance
If you drive less, consider usage-based insurance. This can be more affordable as premiums are based on the actual miles you drive.
Review your coverage annually
Regularly review your policy and coverage needs. Changes in your life may lead to opportunities for lower rates or the need for different coverage.
FAQ: Car Insurance Costs in Hawaii
Get answers about what affects Hawaii's average car insurance cost and how to find affordable rates.
What are the minimum car insurance requirements in Hawaii?
The minimum car insurance requirements in Hawaii include $20,000 for bodily injury liability per person, $40,000 for bodily injury liability per accident, $10,000 for property damage liability per accident and $10,000 for personal injury protection per person. Drivers must carry proof of this minimum coverage to comply with state laws.
What is the average cost of full coverage and minimum coverage auto insurance in Hawaii?
Hawaii drivers pay around $863 per year or $72 monthly for full coverage car insurance. If you choose minimum coverage, the yearly cost drops to $375, or about $31 monthly. With 100/300/100 coverage limits, you'd spend about $471 annually or $39 monthly.
What is the average cost of car insurance for a 22-year-old in Hawaii?
The average annual cost of car insurance for a 22-year-old in Hawaii is $863 for a full coverage policy with a $1,000 deductible. For 100/300/100 liability-only coverage, the average annual cost is $471. Opting for minimum coverage can lower the annual premium to $375.
What are the cheapest car insurance companies in Hawaii?
GEICO and Island Insurance Group are the cheapest car insurance companies in Hawaii. They offer the most affordable minimum coverage insurance at $275 and $333 per year, respectively.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.