In Hawaii, estimating the cost of car insurance depends on factors like your age, driving history, ZIP code, and the type of vehicle you own, all of which significantly impact your rates.
With CarInsurance.com’s car insurance calculator, you can get an estimate based on your basic details for three coverage options in Hawaii: Full coverage with limits of 100/300/100, liability only with limits of 50/100/50 and state minimum coverage. Use the tool below to see your average insurance rates.
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Hawaii.
- The average annual cost of a full coverage policy in Hawaii with liability limits of 100/300/100 is $1,517 or $126 per month.
- Minimum liability coverage in Hawaii costs around $396 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Hawaii: How to get auto insurance estimates
CarInsurance.com editors recommend comparing quotes from at least three different car insurance companies when your policy is up for renewal. You can use online quoting tools to find car insurance estimates.
Every insurance company uses its own unique rating system, meaning they assess factors like age or driving history differently. For example, if you get a ticket, one insurer might raise your premium by 5%, while another could increase it by 20%.
What factors affect car insurance estimates in Hawaii?
Insurance estimates vary between states because of different insurance laws. In tort insurance states, the driver who caused the accident is responsible for covering the damages, and this often involves litigation to determine fault and damage costs.
Unlike tort laws, no-fault insurance laws in several U.S. states streamline the process by having each party’s insurance cover their own injury costs, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Hawaii by car model
Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $1,831 |
| Electric | $1,753 |
| Hatchback | $1,439 |
| Hybrid | $1,540 |
| Luxury Car | $1,940 |
| Luxury SUV | $1,637 |
| Minivan | $1,401 |
| Performance SUV | $1,887 |
| Sedan | $1,514 |
| Sports Car | $2,148 |
| Station Wagon | $1,506 |
| SUV | $1,360 |
| Truck | $1,450 |
| Van | $1,305 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
You can estimate your car insurance rates in Hawaii by entering your vehicle’s make and model into the calculator below.
Insurance rates by car model
Hawaii car insurance estimates for used cars
Car insurance estimates for used cars in Hawaii are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in Hawaii.
Use the calculator below to determine your car insurance rates for used cars in Hawaii, depending on your vehicle’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple steps
FAQ: How to estimate car insurance rates before buying a car in Hawaii
How much auto insurance do I need in Hawaii?
The amount of car insurance you need depends on various factors, including your financial situation, the value of your vehicle, and your risk tolerance. If your car is leased or financed, your lender may require comprehensive and collision coverage when paired with liability, this is known as full coverage.
Each state has different minimum insurance requirements, including Hawaii. But keep in mind that minimums are merely that – and are rarely enough financial protection in the event of a serious car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $20,000 per person, $40,000 per accident |
| Minimum property damage liability | $10,000 per accident |
How much does car insurance cost in Hawaii per month?
Hawaii car insurance estimate for full coverage comprises collision, comprehensive and liability with 100/300/100 and cost $126 per month. For the state minimum liability, it’s $33, and $48 for a liability policy with limits of 50/100/50.
Does your age impact how much you pay for insurance in Hawaii?
Young drivers in Hawaii typically face higher car insurance rates due to their limited driving experience and a higher likelihood of being involved in accidents. Insurance companies factor this increased risk into their premium calculations, leading to higher costs for younger drivers.
In addition, young drivers are more prone to risky behaviors like speeding and distracted driving, which further raises the cost of their car insurance.
Calculate car insurance rates in your neighboring states
Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
