30 Seconds Summary
  • The average car insurance cost in Hawaii is $132 per month or $1,589 a year for a full coverage policy.
  • Hawaii has a no-fault car insurance law. If you're injured in an auto accident, no matter whose fault, you claim against your own PIP.
  • Allstate & USSA are the top carriers in Hawaii ranked for best customer service.
  • State Farm Group & Berkshire Hathaway Insurance Group are the largest auto insurance companies in Hawaii.

How much is car insurance in Hawaii?

The average car insurance rate in Hawaii is $40 per month or $485 a year. That’s about $90 less than the nationwide average ($574), making it one of the least expensive states for auto coverage. Here are average car insurance rates for common policy amounts for drivers in Hawaii:

  • State minimum liability: $40 monthly, $485 yearly
  • 50/100/50: $47 monthly, $558 yearly
  • 100/300/100 with comprehensive and collision, $500 deductible: $132 monthly, $1,589 yearly

Hawaii car insurance requirements

In Hawaii, state laws require that you have minimum liability coverage limits of 20/40/10. That means your policy will pay $20,000 for medical costs to those you injure in an accident, up to $40,000 per accident, and $10,000 for damage you cause to other cars and property. Your state minimum liability insurance, outlined below, does not pay for damage to your car.

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

Hawaii has a no-fault car insurance law. If you're injured in an auto accident, no matter whose fault, you claim against your own personal injury protection (PIP) coverage first. If your PIP limits are exceeded, then claims can be made against the at-fault party's bodily injury liability coverage.

Car Insurance Rates in Hawaii by ZIP Code


Hawaii Car Insurance Rates by ZIP Code

Coverage Types
*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
Lowest Rate
Compare personalized quotes from up to 20 companies in Hawaii now

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.

Enter your ZIP code, gender, age and choose from among three coverage levels to see the average car insurance rate for your neighborhood, as well as the highest and lowest rate fielded from up to six major carriers. The difference between the highest and lowest rate is what you can potentially save by comparing car insurance quotes.

Many factors affect how much you pay for car insurance and where you live is chief among them. Insurance companies consider the cost and frequency of claims in your neighborhood when calculating your rate, and then adjust it based on other factors such as your age, your driving record, your credit and the type of car you drive. Each insurer uses its own formula. That’s why the cost for the same policy can vary significantly among insurance companies — and why you should compare rates.

Best car insurance in Hawaii

CarInsurance.com’s customer review survey asked policyholders about their company’s claims handling, customer service, price and mobile apps/website usefulness. A weighted score on these metrics was applied to each company to rank major carriers. 

1CSAA Insurance Group89.13
4American Family85.91
5Auto Club of Southern California (Auto Club Enterprise Insurance Group)85.72
7Liberty Mutual84.21
10State Farm83.39
18The General69.81

Cheap car insurance quotes in Hawaii, HI

Geico had the cheapest quotes for Hawaii drivers, based on CarInsurance.com’s data analysis of up to six major carriers in every ZIP code of the state. State Farm was second for cheap rates, just about $140 more than Geico for state minimum and $160 more for standard liability coverage. For full coverage, State Farm was about $275 more than Geico. Progressive, ranking third, is around $165 more than Geico for minimum coverage, about $205 more for standard liability and about $275 more for full coverage.

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
Government Employees Ins Co$287$322$975
State Farm Mut Auto Ins Co$424$479$1,252
Progressive Direct Ins Co$450$528$1,181
Allstate Ins Co$520$603$1,724
Liberty Mut Fire Ins Co$534$628$2,082
Farmers Ins HI Inc$698$789$2,318

As you can see, rates vary quite a bit, which is why it pays to compare car insurance quotes at least once a year. Based on the rates above, for example, if you bought a policy for $700 without shopping around, you’d pay almost twice as much you should for the exact same policy. Note that these are averages -- your rate will depend on your own driver profile and how that’s reviewed by your insurer.

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

The cheapest car insurance company in Hawaii for drivers with recent accident claims or with speeding violations is State Farm, among major carriers analyzed by CarInsurance.com.

Filing an accident claim and getting a speeding ticket, or other moving violation, are all scenarios that will likely increase your car insurance rates. However, how much more you pay depends on several factors, and your car insurance company is one of those significant factors. Each company assesses risk differently, so that's why the increase will vary among insurers. In Hawaii, you can save the following amounts, on average, by comparing rates, based on our analysis:

  • $500 after an accident
  • $1,260 after speeding citation

Cheap car insurance for young drivers and seniors in Hawaii

Among major carriers surveyed by CarInsurance.com, Geico had the cheapest rates for drivers age 18 to 25, as well as for motorists age 65, 75 and 85. USAA, which is only available for active and retired military personnel and their immediate family members, was a close second, followed by State Farm.

Expert's Recommendation: Getting Best cheap car insurance in HI (Hawaii)

Finding cheap car insurance is relatively straight-forward -- you compare quotes for the same amount of coverage and pick the company with the cheapest rates. Finding the best car insurance companies for your particular needs is also fairly simple. You research companies to see how well they match up to what’s most important to you. For instance, those that have excellent customer service, offer the most discounts for your driver profile and that offer services you want, which could include things like roadside assistance, mobile apps or the option of a usage-based policy. Deciding which company has the best cheap car insurance for you just involves mixing these processes together. Here’s how:

  • Read customer reviews to see which companies have great customer service
  • Check their discount offerings to see how many you qualify for
  • Review the types of services they have to be sure what you want is offered, for instance roadside assistance, or rental car reimbursement or mobile apps
  • Check to see if they offer the type of coverages you want, for example, vanishing deductibles or accident forgiveness, usage-based car insurance, motorcycle or boat coverage so you can get a bundle discount
  • Once you have a list of contenders, you’ll typically see that they vary a bit in regard to what services or discounts they offer, so make a note of that
  • Then compare rates for the same amount of coverage and see which one is the most affordable

It may be that even after vetting carriers for what’s important to you, the one with the cheapest rates might not be the best fit if, say, it has lower customer satisfaction ratings than another or has fewer of the services you value most. So, then, you really have to use your judgment on which company has the best-suited service for you for the price.

To help you get started, here is how top carriers in Hawaii ranked on customer service:

Best for customer service

  1. Allstate
  2. USAA
  3. CSAA Insurance Group
  4. Auto Club of Southern California
  5. Safeco
  6. State Farm
  7. Farmers
  8. Liberty Mutual
  9. Hartford
  10. American Family
  11. Travelers
  12. Esurance
  13. Progressive
  14. Mercury
  15. Geico
  16. Metlife
  17. Nationwide
  18. The General

Hawaii Car Insurance Laws

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.