- The average cost of car insurance in Hawaii is $1,517 a year or $126 per month, based on our data analysis.
- Minimum liability coverage in Hawaii costs around $396 annually for limits of 20/40/10, while liability-only coverage costs $572 per year for limits of 50/100/50.
- Geico provides the most affordable annual rates for full coverage car insurance in Hawaii, costing $1,184 per year.
- In Hawaii, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 65%, a DUI raising rates by 217%, and an at-fault accident by up to 41%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Geico offers the most affordable car insurance at $1,184 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Hawaii. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Hawaii and how much you need.
How much is car insurance in Hawaii?
In Hawaii, drivers pay an average of $126 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Hawaii based on driver profile:
- Teen drivers in Hawaii pay the most – about $137 a month or $1,639 a year.
- Young drivers in their 20s pay an average of $127 monthly or $1,521 annually, for car insurance.
- Senior drivers pay around $126 monthly or $1,517 a year.
- A speeding ticket can increase your rates to $254 monthly or $3,050 annually.
- An at-fault accident increases car insurance rates to $176 a month or $2,115 a year.
Average cost of auto insurance in Hawaii by coverage level
In Hawaii, car insurance rates can differ depending on how much coverage you choose. Drivers in Hawaii are required by law to have minimum insurance coverage limits of 20/40/10 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Hawaii, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Hawaii for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $33 | $396 |
| Liability Only – 50/100/50 BI/PD | $48 | $572 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $126 | $1,517 |
State minimum car insurance in Hawaii
Hawaii’s car insurance laws require a minimum coverage of $20,000 in bodily injury liability per person, $40,000 in bodily injury liability per accident and $10,000 in property damage liability.
The state minimum car insurance cost in Hawaii is $396 a year. However, this basic coverage only offers limited protection. Hawaii drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Hawaii must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Hawaii
According to CarInsurance.com data, liability-only car insurance costs $572 in Hawaii for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Hawaii
On average, premiums for full coverage car insurance in Hawaii cost $1,517 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Hawaii
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Hawaii pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Hawaii
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in Hawaii by car model
Hawaii car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Hawaii.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Hawaii
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Hawaii, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,517 annually.
Hawaii drivers aged 16-19 pay $122 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $1,639 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $1,520 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,517 per year in Hawaii.
- For senior drivers: Drivers age 65 and older can expect to pay $1,517 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Hawaii
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Hawaii can increase your premiums by up to 217% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Hawaii, you’ll likely see an increase in your car insurance premium by up to 65% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Hawaii after driving incidents:
- Speeding ticket: Up to 65% increase
- DUI conviction: 217% increase
- At-fault accident (bodily injury and property damage): 41% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Hawaii for high-risk drivers
In Hawaii, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Hawaii
In Hawaii, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Hawaii by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Hawaii, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $258 | $432 | $1,184 |
| Progressive | $452 | $726 | $1,279 |
| Farmers | $408 | $572 | $1,495 |
| Island Insurance | $415 | $556 | $1,771 |
| Allstate | $500 | $702 | $1,882 |
| State Farm | $496 | $674 | $1,938 |
| USAA | $246 | $347 | $1,067 |
Car insurance rates by city in Hawaii
Waikoloa Village is Hawaii’s most expensive city for car insurance at an average cost of $1,630 annually. Anahola is the state’s least expensive city, with an average car insurance rate of $1,347 annually.
Car insurance costs differ from city to city in Hawaii, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Hawaii’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Hawaii per month?
In Hawaii, a full coverage car insurance policy with 100/300/100 limits typically costs about $126 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $33 |
| Liability Only – 50/100/50 BI/PD | $48 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $126 |
Final thoughts on choosing car insurance in Hawaii
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Hawaii. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 20/40/10.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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