The type of vehicle you own in Hawaii can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Hawaii for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Hawaii
In Hawaii, Ford Maverick and Honda CR-V have the cheapest car insurance rates, followed by Subaru Crosstrek and Subaru Outback, based on our research.
The table below highlights the most affordable vehicles to insure in Hawaii, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Ford Maverick | $630 |
| Subaru Crosstrek | $631 |
| Honda CR-V | $631 |
| Subaru Outback | $640 |
| Ford Escape | $643 |
| Honda Odyssey | $646 |
| Ford Escape Hybrid | $648 |
| Ford Bronco Sport | $656 |
| Subaru Ascent | $658 |
| Volkswagen Tiguan | $658 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Hawaii
Auto insurance rates differ based on the type of vehicle. Typically, Station Wagon models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Hawaii
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $711 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Volkswagen Jetta, which costs $724, and the Nissan Versa, which costs $733 to insure.
Below, you’ll find the most affordable sedans to insure in Hawaii and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $711 |
| Volkswagen Jetta | $724 |
| Nissan Versa | $733 |
| Toyota Corolla | $742 |
| Honda Accord | $745 |
| Kia Forte | $745 |
| Volkswagen Jetta GLI | $761 |
| Hyundai Sonata | $786 |
| Hyundai Elantra | $787 |
| Honda Civic Sedan | $793 |
| Toyota Camry | $794 |
| Nissan Sentra | $796 |
| Nissan Altima | $814 |
| Mazda 3 Sedan | $817 |
| Chevrolet Malibu | $824 |
| Kia K5 | $827 |
| Mitsubishi Mirage G4 | $1,014 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Hawaii
The Honda CR-V and Subaru Crosstrek are the cheapest SUVs to insure in Hawaii, with an average cost of $631 and $631 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Subaru Crosstrek | $631 |
| Honda CR-V | $631 |
| Ford Escape | $643 |
| Ford Bronco Sport | $656 |
| Subaru Ascent | $658 |
| Volkswagen Tiguan | $658 |
| Honda Pilot | $660 |
| Subaru Forester | $674 |
| Mazda CX-50 | $674 |
| Hyundai Kona | $675 |
| Toyota Corolla Cross | $677 |
| Honda HR-V | $679 |
| Volkswagen Taos | $680 |
| Buick Encore GX | $681 |
| Hyundai Tucson | $682 |
| Toyota RAV4 | $682 |
| Mazda CX-5 | $685 |
| Chevrolet Equinox | $688 |
| Kia Sportage | $690 |
| Chevrolet TrailBlazer | $690 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Hawaii
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $748.
The table below compares car insurance rates for different sports cars in Hawaii
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $748 |
| Honda Civic Si | $800 |
| Subaru BRZ | $806 |
| Toyota GR86 | $817 |
| Toyota GR Corolla | $833 |
| BMW Z4 | $846 |
| Subaru WRX | $923 |
| Honda Civic Type R | $935 |
| Toyota GR Supra | $971 |
| Chevrolet Camaro | $1,075 |
| Chevrolet Corvette | $1,089 |
| Porsche 718 Boxster | $1,090 |
| Nissan Z | $1,092 |
| Porsche 718 Cayman | $1,102 |
| Ford Mustang | $1,142 |
| Chevrolet Corvette Z06 | $1,265 |
| Jaguar F-Type | $1,272 |
| Porsche 911 | $1,394 |
| Porsche 911 GT3 | $1,395 |
| Chevrolet Camaro ZL1 | $1,453 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Hawaii
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $658 for a six-month full coverage policy. The Volvo XC40 and Acura MDX also have affordable insurance rates at $684 and $710, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $658 |
| Volvo XC40 | $684 |
| Acura MDX | $710 |
| Audi Q3 | $747 |
| Lexus NX | $747 |
| Mercedes-Benz GLB-Class | $747 |
| Cadillac XT5 | $748 |
| Cadillac XT4 | $749 |
| BMW X1 | $750 |
| Cadillac XT6 | $769 |
| Mercedes-Benz GLC-Class | $786 |
| BMW X3 | $786 |
| Lexus RX | $790 |
| BMW X2 | $791 |
| Audi Q5 | $796 |
| Mercedes-Benz GLA-Class | $804 |
| Acura TLX | $806 |
| Volvo XC90 | $811 |
| Jaguar E-Pace | $816 |
| Land Rover Range Rover Evoque | $820 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Hawaii
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $1,877 annually, or $156 monthly.
The table below lists the most affordable EVs to insure in Hawaii and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $688 |
| Hyundai Kona Electric | $739 |
| Volkswagen ID.4 | $750 |
| Chevrolet Silverado EV | $758 |
| Nissan Leaf | $769 |
| Kia Niro EV | $772 |
| Toyota bZ4X | $796 |
| Chevrolet Blazer EV | $799 |
| Audi Q4 e-tron | $811 |
| Ford F-150 Lightning | $832 |
| Genesis Electrified GV70 | $842 |
| Mercedes-Benz EQB | $846 |
| Kia EV6 | $848 |
| Subaru Solterra | $856 |
| Nissan Ariya | $859 |
| Cadillac LYRIQ | $866 |
| Volvo C40 Recharge | $884 |
| Volvo XC40 Recharge | $888 |
| Hyundai Ioniq 6 | $897 |
| Genesis GV60 | $912 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Hawaii
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Subaru Crosstrek costs an average of $771 to insure for an 18-year-old driver, whereas a Honda CR-V costs an average of $776 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Hawaii?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $688 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $739 for the Hyundai Kona Electric for the same coverage.
Which SUVs are the cheapest to insure in Hawaii?
In Hawaii, insuring a Honda CR-V SUV costs about $631 for six months, making it one of the most affordable options. The Subaru Crosstrek and Subaru Outback also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Hawaii?
The Subaru Crosstrek, Honda CR-V, Ford Escape and Ford Maverick are some of the cheapest cars to insure for 18-year-olds in Hawaii. However, insuring models such as the Maserati Quattroporte, Porsche 911 Turbo and BMW M8 can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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