The cost of car insurance in Hawaii varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Geico offers the cheapest rates at $1,184 a year for full coverage.
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 auto insurance in Hawaii works and how much insurance you need.
- 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%.
How much is car insurance in Hawaii?
According to CarInsurance.com data, drivers in Hawaii pay about $126 per month for full coverage car insurance.
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
Car insurance costs in Hawaii can differ based on the coverage limit. To legally drive, Hawaii residents must adhere to the minimum liability limits of 20/40/10.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Hawaii. However, they don’t offer much 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.
In the table below, see the car insurance premiums in Hawaii for three different coverages.
| 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
In Hawaii, minimum car insurance requirements include $20,000 of bodily injury liability per person, $40,000 of bodily injury liability per accident and $10,000 of property damage liability.
In Hawaii, you can get state minimum car insurance for $396 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Hawaii must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Hawaii
Liability-only car insurance costs $572 in Hawaii for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Hawaii
In Hawaii, you can expect to pay around $1,517 per year for full coverage car insurance 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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Hawaii
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Hawaii have to pay more than those living where the risks are lower.
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 ( Liability - Minimum)
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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.
See how much you’ll pay for car insurance for your specific 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 drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
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.
Drivers aged 16-19 pay $122 more for car insurance than Hawaii drivers aged 30-60 per year.
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 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,517 annually in Hawaii.
- For senior drivers: Drivers aged 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.
If you get caught speeding in Hawaii, your car insurance rates will increase by 65% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
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, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
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
Drivers in Hawaii can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Compare the best car insurance options in Hawaii by getting quotes from different insurance companies.
Below is a breakdown of car insurance companies in Hawaii and 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 the priciest city in Hawaii for car insurance, costing an average of $1,630 annually. On the other hand, Anahola is the most affordable city, where drivers pay an average of $1,347 per year for car insurance.
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.
The table below shows the average annual car insurance premiums for Hawaii’s largest 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?
Car insurance in Hawaii costs an average of $126 a month for a full coverage policy with limits of 100/300/100.
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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Hawaii.
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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