The average cost of car insurance in Hawaii is $863 for full coverage and $375 for minimum coverage. These rates are $433 and $220 less than the national averages, respectively.
Average Cost of Car Insurance in Hawaii
Updated: December 19, 2024
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Key Takeaways
Drivers in the Aloha State pay about 33% less for full coverage car insurance than the national average.
For minimum coverage, residents pay nearly 37% less than the national average.
In Hawaii, full coverage costs around $863, and minimum coverage is about $375, making it one of the more affordable states for car insurance.
How Much Is Car Insurance in Hawaii?
| Full Coverage | $863 | $1,296 | -33% |
| State Minimum Liability Only | $375 | $595 | -37% |
Hawaii Car Insurance Rates by Coverage Level
Your coverage level affects your car insurance rate. Raising your liability limits and adding full coverage increase costs, while opting for a higher deductible lowers your premium. Below are average minimum coverage and full coverage rates in Hawaii based on different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,016 | $500 |
| 100/300/100 | Full Coverage | $958 | $0 |
| 300/500/300 | Full Coverage | $920 | $1,000 |
| 300/500/300 | Full Coverage | $883 | $1,500 |
| 100/300/100 | Full Coverage | $863 | $1,000 |
| State Minimum | Full Coverage | $862 | $500 |
| 100/300/100 | Full Coverage | $826 | $1,500 |
| State Minimum | Full Coverage | $767 | $1,000 |
| State Minimum | Full Coverage | $730 | $1,500 |
| 300/500/300 | Liability Only | $529 | $0 |
| 100/300/100 | Liability Only | $471 | $0 |
| State Minimum | Liability Only | $375 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Hawaii Car Insurance Cost by City
Car insurance rates in Hawaii cities vary due to crime rates, traffic density, storms and health care or car repair costs. In Urban Honolulu, full coverage costs $869 per year, below the state average. The table below compares insurance costs in this city to the state averages.
| Urban Honolulu | $869 | -54% | $411 | -63% |
Average Hawaii Car Insurance Cost by Age
In Hawaii (and other states like California and Massachusetts), car insurance rates don’t depend on age. Insurers can’t charge different prices based on whether drivers are younger or older. Instead, rates are based on factors like driving history, vehicle type and location. This ensures premiums remain fair for residents regardless of age.
| 25 | $863 | $375 |
| 40 | $863 | $375 |
| 65 | $863 | $375 |
Car Insurance Costs in Hawaii for Young Drivers by Gender
Hawaii's young drivers face similar car insurance costs regardless of age, as regulations prohibit age-based discrimination. Insurers prioritize driving history and vehicle type. Young drivers aged 18 to 25 pay an average of $946 annually, whether on an individual policy or a family plan, with no additional cost for family policies.
Rates are consistent for males and females, ensuring equality. Below is a breakdown of average car insurance costs for young drivers in the state, without gender-based differences.
Car Insurance Costs in Hawaii for Young Females
An 18-year-old female in Hawaii pays an average of $884 annually on a family car insurance plan. Opting for an individual policy increases costs by 20%, totaling roughly $1,111.
| 18 | $1,111 | $884 | -20% |
| 19 | $939 | $986 | 5% |
| 20 | $939 | $986 | 5% |
| 21 | $922 | $969 | 5% |
| 22 | $922 | $969 | 5% |
| 23 | $912 | $958 | 5% |
| 24 | $912 | $958 | 5% |
| 25 | $912 | $958 | 5% |
Car Insurance Costs in Hawaii for Young Males
In Hawaii, an 18-year-old male pays around $1,111 for full coverage on an individual policy. Adding him to a family policy costs about $884, saving roughly 20% annually.
| 18 | $1,111 | $884 | -20% |
| 19 | $939 | $986 | 5% |
| 20 | $939 | $986 | 5% |
| 21 | $922 | $969 | 5% |
| 22 | $922 | $969 | 5% |
| 23 | $912 | $958 | 5% |
| 24 | $912 | $958 | 5% |
| 25 | $912 | $958 | 5% |
Average Hawaii Car Insurance Cost by Driving Record
In Hawaii, traffic offenses can significantly affect car insurance rates. For example, a DUI may raise your full coverage premium by 74%, while a speeding ticket might lower it by 46%. The table below compares costs for drivers with accidents, DUIs or tickets to those with clean records.
| At-Fault Accident | $1,256 | -34% | $537 | -51% |
| DUI | $3,327 | 74% | $1,463 | 34% |
| Ticket | $1,029 | -46% | $443 | -60% |
Read More: High-Risk Car Insurance in Hawaii
Average Hawaii Car Insurance Cost by Company
Car insurance premiums in Hawaii can vary widely by company. GEICO offers the lowest average annual full coverage at $669, while Progressive has the highest at $1,095, well above the state average.
| GEICO | $669 | $275 |
| Farmers | $739 | $374 |
| State Farm | $833 | $371 |
| Island Insurance Group | $871 | $333 |
| Allstate | $970 | $426 |
| Progressive | $1,095 | $473 |
Read More: Cheapest Car Insurance Companies in Hawaii
Average Hawaii Car Insurance Cost by Vehicle Age
In Hawaii, insuring newer cars costs more, averaging $961 annually for full coverage, compared to $805 for a 10-year-old model. The higher cost reflects the added value and risks of newer vehicles.
| 10-Year-Old Vehicle | $805 | $369 |
| New Model Vehicle | $961 | $362 |
ACTUAL CASH VALUE
The actual cash value (ACV) is the value your insurer assigns to your car before it was damaged. It determines the maximum payout for repairs or replacement when you file a comprehensive or collision claim, minus your deductible. This ensures the payout reflects the car's fair market value.
Read More: Used Car Insurance
Hawaii Car Insurance Rates Explained
We compare Hawaii's car insurance rates to the national average to determine if they're more affordable. We also explain how factors like your driving record and vehicle type affect the cost of full coverage and state minimum insurance.
Is Car Insurance Expensive in Hawaii?
Car insurance in Hawaii is affordable, with an average monthly cost of $72 for full coverage — 33% cheaper than the national average.
Read More: Why Car Insurance Is So Expensive
Car Insurance Costs in Hawaii vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Hawaii Average Cost
Full Coverage Car Insurance
$72HI Car Insurance Is Affordable:$36 saved
This is 33% less expensive.
Why Are Car Insurance Rates Expensive in Hawaii?
Hawaii's expensive lifestyle and weather risks can raise car insurance rates. Frequent storms result in more claims, making minimum coverage more costly.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Hawaii
While average rates reflect how laws and the economy affect car insurance in Hawaii, your premium depends on factors specific to you. To estimate your costs, consider the following:
Driving Record
A clean driving record can lower insurance premiums. Avoiding traffic violations and accidents shows insurers that you're a low-risk driver.
Vehicle Type
For better insurance rates, opt for a vehicle with a strong safety record and lower repair costs.
Location
Living in areas with lower crime and accident rates can positively impact insurance costs. If you move to such an area in Hawaii, inform your insurer.
Coverage Level
A higher deductible can lower your premium, but ensure you can afford it in case of a claim. Tailor your coverage to your needs and risk tolerance.
Marital Status
Married drivers often receive lower rates due to perceived stability. Notify your insurer of a change in marital status to potentially lower your premiums.
State Law
Hawaii's insurance laws can affect rates. Ensure you have the required minimum coverage and understand any factors that may impact your insurance costs.
Read More: Hawaii Car Insurance Calculator
Minimum Car Insurance in Hawaii
Hawaii's average minimum car insurance costs $375, lower than the national average of $595. Below is a table outlining the state's minimum insurance requirements.
Hawaii Car Insurance Requirements
Hawaii's minimum coverage auto insurance includes $20,000 in bodily injury liability per person, $40,000 in bodily injury liability per accident, $10,000 in property damage liability per accident and $10,000 in personal injury protection (PIP) per person.
Liability Limit | What It Covers |
|---|---|
$20,000 bodily injury liability per person | Medical expenses if you cause an accident |
$40,000 bodily injury liability per accident | Multiple injuries in a single incident |
$10,000 property damage liability per accident | Cost of repairs to other vehicles or property |
$10,000 PIP per person | Medical expenses regardless of fault |
How to Lower Car Insurance Costs in Hawaii
To save on car insurance in Hawaii, compare rates, choose higher deductibles and use eligible discounts.
- 1
Compare Multiple Quotes
Reviewing quotes from different insurers helps you find affordable car insurance, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
Clean driving records with no at-fault accidents or moving violations can significantly reduce premiums, as insurers consider you a lower risk.
- 3
Adjust Your Coverage
Assessing your coverage needs ensures you pay only for necessary protection, such as choosing higher deductibles or usage-based policies for reduced mileage.
- 4
Ask About Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, defensive driving courses and policy bundling to lower your premiums.
- 5
Consider the Car You Drive
Choosing a vehicle with high safety ratings and lower repair costs can reduce car insurance rates.
Auto Insurance Rates in Hawaii: Bottom Line
The average yearly cost of full coverage car insurance in Hawaii is $863, lower than the national average. Rates vary based on driving record, car type, age, location and coverage level. Overall, car insurance in Hawaii is more affordable than in other places.
Hawaii Car Insurance Rates: FAQ
Get answers about what impacts the average cost of car insurance in Hawaii and how to find affordable rates.
What are the minimum car insurance requirements in Hawaii?
Hawaii's minimum car insurance requirements include $20,000 for bodily injury liability per person, $40,000 per accident and $10,000 for property damage liability. Personal injury protection must cover $10,000 per person.
What is the average cost of full coverage and minimum coverage auto insurance in Hawaii?
The average annual cost of minimum coverage auto insurance in Hawaii is $375. Full coverage averages $863, much lower than the national average.
What is the average cost of car insurance for a 25-year-old in Hawaii?
In Hawaii, a 25-year-old pays an annual average of $375 for minimum coverage and $863 for full coverage, both below the state average.
What are the cheapest car insurance companies in Hawaii?
GEICO offers the most affordable car insurance in Hawaii, with full coverage at $669 annually ($56 monthly) and minimum coverage at $275 annually ($23 monthly).
Hawaii Auto Insurance Cost: How We Determine Average Rates
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates in Hawaii:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle type and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each, and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum coverage limits as mandated by Hawaii:
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
Learn more about MoneyGeek's car insurance methodology.
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.