Get Personalized Car Insurance Quotes
! *Please enter valid Zip Code
A good driver means:

Have no accidents or violations in the last 3 years.

Don't have a DUI.

Don't need an SR22.

*Please select one

With few highways and agreeable weather, Hawaii's relatively cheap state car insurance rates are not a big surprise. But that doesn't mean everyone pays the same low rates. Drivers on the Big Island of Hawaii pay the most, and those on Kauai pay the least. And on every island, one car insurer will charge hundreds less -- you can see a sample range of rates for every Hawaii ZIP code below.

Hawaii Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
*Please enter valid Zip
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
96850 Honolulu
For  30  Year Old   Male  (Type:  Liability - Minimum )
Average Monthly Premium
Highest Rate $61/mo.
Lowest Rate $26/mo.
Compare personalized quotes from up to 20 companies in Hawaii now
96797 - Royal Kunia: $43
96706 - Ewa Beach: $43
96860 - JBPHH: $43
96825 - Honolulu: $43
96766 - Hanamaulu: $31
96714 - Hanalei: $31
96754 - Kilauea: $31
96703 - Anahola: $31

Cheap car insurance in Hawaii

Hawaii car insurance requirements

Minimum bodily injury liability$20,000/$40,000
Minimum property damage liability$10,000
Personal injury protection or managed care (PPO)$10,000

The cheapest car insurance may not provide sufficient protection, so how much insurance should you buy? Bare-bones coverage may be a good choice if you have few assets or have an old car and don’t drive much. But if you have a home and investments, consider buying more insurance. If you don’t, you’re at risk for having your money and house taken to cover the cost of an accident. If you financed your car you will be required to get additional comprehensive and collision coverage.

Use our How Much Car Insurance Do You Need? tool to get a recommendation.


We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:

  • less than $50,000, choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100

If you're leasing or financing your car, you must get coverage of 100/300/100 or higher.

Collision and comprehensive

Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:

  • less than 10 years old, you should strongly consider buying collision and comprehensive.
  • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.

For drivers in Hawaii, collision costs an average of $559 yearly, comprehensive is $98, according to rate data. If you buy comp and collision, check our guide to choosing a deductible amount.

Medical coverage (MedPay)

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Texas, it's an optional addition to your car insurance policy. MedPay does the following:

  • Covers you and your passengers’ medical expenses
  • Pays for expenses after health insurance limits are exceeded
  • Offers additional protection to insured drivers who are hit by a car while walking or biking

If you and your passengers:

  • Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
  • Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

Gap insurance

If you don’t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

  • If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
  • If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
  • If you own your car outright, you don’t need gap insurance.

Coverage limitsAverage annual rate
Liability Only - state minimum$555
Liability Only - 50/100/50 BI/PD$609
Full Coverage - 100/300/100 BI/PD $500 Comp/Collision deductible$1,458

**The table shows the average annual rate of nearly every ZIP code in Hawaii from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for by Quadrant Information Services.

Cheapest car insurance in Hawaii by company

Below you'll see average annual rates for Hawaii, ranked cheapest to most expensive, for three coverage levels:

  • State minimum liability requirements
  • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
  • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible

CompanyState minimum average annual rate50/100/50 average annual rate100/300/100 average annual rate
Allstate Ins Co$453$531$1,389
Farmers Ins HI Inc$787$906$2,376
Government Employees Ins Co$303$338$857
Progressive Direct Ins Co$826$815$1,646
State Farm Mut Auto Ins Co$407$455$1,023

Low cost auto insurance for Hawaii drivers with recent accidents

Filing an accident claim means you are likely to pay more for your car insurance coverage. However, how much more you pay depends on several factors, and your car insurance company plays is one of those significant factors. Each company assesses risk differently, so that's why the increase after an accident will vary among insurers. Here is how major carriers compare after at-fault accidents for the average Hawaii driver with a full coverage policy:

Company1 At-fault property damage accident over $2K2 At-fault property damage accident over $2kAt-fault bodily injury accident
Allstate Insurance$1,371$1,915$1,371
Farmers Ins HI Standard$1,999$3,533$1,999
GEICO Govt Employees$1,209$1,550$1,209
Progressive Direct$1,617$3,105$1,617
State Farm Mutual Auto$873$1,483$873

*The table shows the average annual rate of nearly every ZIP code in Hawaii from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for by Quadrant Information Services.

Who has the cheapest Hawaii car insurance for drivers with speeding tickets?

If you get a speeding ticket, chances are you'll see an increase in what you pay for car insurance, upon your policy renewal. Typically, you'll pay more for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you'll see that the difference between the highest rate and the lowest in the table below is more than $1,259, on average, according to's rate analysis. That's how much you can save by comparing car insurance companies.

CompanyAverage Rate
State Farm Mutual Auto$873
GEICO Govt Employees$937
Allstate Insurance$1,435
Farmers Ins HI Standard$1,546
Progressive Direct$2,132

How much does it cost to add a teen to your policy in Hawaii?

No matter where you live, adding a new driver to your family policy will hike your rate significantly. In Hawaii, you can expect your rate to go up by an average of 3 percent when adding a driver age 16 to your coverage, according to rate data. You'll see in the table below how much it costs, on average, to add a teen driver in Hawaii, and how major insurers compare on price. State Farm Mutual Auto had the lowest auto insurance cost for adding a driver age 16 to a full coverage family policy, among insurers surveyed.

CompanyAverage RateAverage Rate after adding female teen$ Increase (female)Average Rate after adding male teen$ Increase (male)
Allstate Insurance$1,371$1,371$0$1,371$0
Farmers Ins HI Standard$1,546$1,730$184$1,730$184
GEICO Govt Employees$937$937$0$937$0
Progressive Direct$1,617$1,617$0$1,617$0
State Farm Mutual Auto$803$803$0$803$0

Cheapest Hawaii auto insurance for young drivers: Ages 18 to 25

Enter an age from 18 to 25 to see who has the best rates for young drivers in Hawaii, by company.

You’ll see in the chart below which car insurance companies have the lowest rates for young drivers buying a full coverage policy. Average car insurance rates by age data shows that drivers typically pay higher rates until age 26, when rates begin to drop as drivers gain more experience on the road. But even young drivers can save money by comparing car insurance rates to see which company has the lowest rates, by qualifying for student discounts and by staying on their parents’ policy as long as possible.

Senior drivers: Cheap auto insurance for Hawaii drivers age 65 to 85

Below you can see average rates by company for drivers age 65 and over, buying a full coverage policy. While comparing car insurance quotes is always one of the primary ways to save on coverage, you can also see if you qualify for a mature driver discount or if you can trim rates by taking a defensive driving course.

Best car insurance companies in Hawaii

Scores are based on’s “Best Insurance Companies” customer review survey of 3,700 customers. Policyholders ranked insurers on claims handling, customer service, value, mobile apps/website usefulness and were asked if they would renew their coverage and if they would recommend the company. All scores are out of 100.

2Liberty Mutual90.49
4Auto Club of Southern California (Auto Club Enterprise Insurance Group)88.18
5American Family87.76
7The General86.39
9State Farm86.16
12CSAA Insurance Group84.12


Largest car insurance companies in Hawaii

RankCompanyPremiums WrittenMarket Share
1Berkshire Hathaway Insurance Group198,98626.45%
2State Farm Group139,67918.56%
3USAA Group90,54212.03%
4Allstate Insurance Group67,8669.02%
5Progressive Insurance Group53,3977.10%
6Farmers Insurance Group51,4986.84%
7Liberty Mutual Insurance Companies34,3874.57%
8Travelers Group2450.03%
9Nationwide Group630.01%
10American Family Insurance Group00.00%

Source: A.M. Best; State/Line (P/C Lines)  - P/C, US; Data as of:November 28, 2018

Hawaii Car Insurance Laws

RoadsNumber of Fatal Accidents

Compared to other states, Hawaii's minimum liability coverage for bodily injury is about average at $20,000 per person and $40,000 per accident. Property damage is a little below average at just $10,000 per accident -- that's not enough to repair or replace a car if you hit one that is newer.

Generally $100,000 in bodily injury liability ($300,000 per accident) and $50,000 in property damage liability is considered an appropriate amount for drivers with a home, family and some assets to protect.

Hawaii, the no-fault state: Hawaii requires motorists to purchase personal injury protection (PIP) or managed care (PPO) of at least $10,000 to provide immediate treatment after a car accident. Each driver files against his or her own policy, rather than the other driver's. This makes Hawaii a no-fault state.

Hawaii's PIP benefits include medical expenses as well as up to 30 chiropractic treatments. Not included are lost wages, death or funeral expenses, but you can add on each of these as separate optional coverage. You also have the option to add on coverage that will pay for alternative medical expenses, such as acupuncture, naturopathic and faith healing.

To save on your PIP coverage, you can choose to carry a deductible, carry a co-payment, or opt for PIP managed care, which will include additional conditions and limitations to your PIP coverage. If you have health insurance that would fill in any gaps in PIP coverage, this may be a good way to save some money on your Hawaii auto insurance policy.

Credit issues not a problem: Hawaii forbids car insurance providers from using your credit history when calculating your premium. Most states allow the practice.

No points system: Hawaii does not have a points system in place for traffic violations, but your license can be suspended if you are convicted of too many offenses.

Traffic violations fall into two categories, traffic infractions and serious traffic crimes. Civil moving violations (infractions) remain on your driving record for three years while traffic crimes stay on for five years. A DUI conviction stays on the longest period of time – 10 years.

Uninsured motorist penalties for Hawaii: You may be fined $500, have your license suspended and be required to file an SR-22 form.

Natural disasters: Hawaii may be paradise most of the time, but it is also is vulnerable to hurricanes, tsunamis, flooding, earthquakes and volcanic lava flows. Most damages resulting from natural disasters are covered under comprehensive coverage.

Average annual car insurance rates for major cities in Hawaii

Below you'll see how average annual rates for several of the largest cities in the state compare to state and national averages. Rates are for coverage of $100,000 per person/$300,000 per accident in liability and $50,000 of property damage coverage, with comprehensive and collision carrying a $500 deductible.

Show Tablular Data
CityAverage Premium
Pearl City$1,245