Cheap Car Insurance in Hawaii (2023)

If you’re looking for cheap car insurance in Hawaii, you don’t have to look very far. The Aloha State is among the five states with the cheapest car insurance. Drivers pay an average of $131 per month for car insurance in Hawaii, roughly 44% less than the national average. The most affordable coverage is from GEICO, at $107 per month on average.

Best cheap car insurance in Hawaii: GEICO

The best and cheapest car insurance in Hawaii is GEICO, according to Insurify’s proprietary data. Drivers pay an average of $107 per month for coverage. But the cost can vary from one person to the next, depending on the insurer, your location, age, driving history, vehicle type, and more.

Make sure to compare car insurance quotes online before purchasing a policy.

Learn More: Best Car Insurance Companies

Minimum car insurance requirements in Hawaii

All motor vehicles operated or parked on Hawaii roadways are required to be insured. You must carry proof of insurance in your car at all times and have it available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The following coverages constitute the minimum liability insurance requirements for private passenger vehicles in Hawaii:^[1]

• $20,000 per person/$40,000 per accident for bodily injury: A major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Hawaii is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of who caused the accident.

• $10,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $10,000 per accident for PIP: Personal injury protection coverage, also referred to as PIP coverage or no-fault insurance, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive nonmedical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Hawaii DMV information

The Vehicle Registration and Licensing Division in Hawaii, commonly known as the Department of Motor Vehicles (DMV), is a valuable resource for drivers. It provides services such as renewing your driver’s license, applying for a REAL ID-compliant driver’s license, registering your vehicle, and transferring a vehicle title to another person.^[2]

Walk-in service is available at select locations, or you can schedule an appointment online for a time that works for you.

Public transportation in Hawaii

Since Hawaii doesn’t offer public transportation via trains, subways, or trams, riding by bus is generally the only way to get around. Residents and visitors can take advantage of buses on each of the four major islands of Oahu, Maui, Kauai, and the big island of Hawaii.^[3]

Of the four islands, Oahu has the best bus system, but getting around once you depart the bus can be challenging. Having a vehicle is recommended for errands and everyday activities.

Tips for getting cheap car insurance in Hawaii

You can do a few things to get cheap car insurance in Hawaii. The first and most important thing is to compare quotes. Comparing car insurance rates using a quote-comparison tool can help you find the best deal for your specific needs.

Liability-only vs. full-coverage insurance in Hawaii

If you live in Hawaii, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, theft, weather, and animal encounters. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

How your driving history affects Hawaii car insurance rates

Driving violations, such as at-fault accidents, DUIs, and speeding tickets, and the number of years you’ve been driving can affect your car insurance rates. Drivers with little experience or who have multiple violations on their driving record will see a greater effect on their premiums, while drivers with a clean record will enjoy the most affordable rates.

SR-22 insurance in Hawaii

An SR-22 is a proof of financial responsibility form you may need to file with the Hawaii Department of Motor Vehicles (DMV). Generally, it’s required after a traffic court conviction. To file for an SR-22, you must contact an insurance company that offers coverage with an SR-22, such as the companies listed below.

How credit scores affect Hawaii car insurance quotes

Hawaii is one of several states that prohibit insurance companies from using credit scores as a factor when determining auto insurance premiums.^[4] Drivers don’t have to worry about a bad credit score increasing their car insurance rates.

How your city affects Hawaii insurance rates

Car insurance premiums vary from city to city based on things like the rates of car theft, traffic accidents, and other incidents specific to a local area. Drivers in Kea‘au have the highest average premiums, while motorists in Ocean View pay the least. Other cities, like ‘Ewa Beach, Honolulu, and Pearl City, are close to the average cost for the state of $131 per month.

How your age affects your Hawaii car insurance rates

Age is one of the most common factors that affect the cost of car insurance because it reflects the driver’s level of experience. Teens have the most expensive premiums because they have the least experience, but car insurance costs start to decrease for drivers around age 30 before rising again when drivers hit their 70s.

Car insurance for young drivers in Hawaii

Drivers under the age of 25 in Hawaii can expect to pay the highest car insurance rates of any age group. Without a proven driving record, these drivers are riskier to insure than other age groups. Young drivers looking to save money on car insurance should consider applying for a good student discount.

Car insurance for middle-aged drivers in Hawaii

Middle-aged drivers in Hawaii generally benefit from cheaper car insurance rates, as they have a proven driving record and safer driving behaviors. Middle-aged drivers looking to save money on car insurance should consider bundling their auto policy with homeowners or renters insurance.

Car insurance for senior drivers in Hawaii

Senior drivers in Hawaii enjoy the cheapest rates of all age groups. This is because older drivers typically have safer driving behaviors than their younger counterparts and, as such, are less risky to insure.^[5] Senior drivers looking to save money on car insurance should consider pay-per-mile insurance if they don’t drive very often.

Hawaii car insurance FAQs

Insurify Insights

How Hawaii Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Hawaii below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Hawaii drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Civic

Most Popular Car in Hawaii

#30

State with the Most Speeding Tickets Rank

#44

State with the Moving Violations Rank

#26

State with the Most DUIs Rank

#8

State with the most Suspended Licenses

• Accidents in Hawaii

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Hawaii is the #49 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #49
  • Percent of drivers in Hawaii with an accident: 5.3%
• DUIs in Hawaii

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hawaii is the #26 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #26
  • Percent of drivers in Hawaii with a DUI: 1.4%
• Reckless Driving in Hawaii

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Hawaii is the #42 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #42
  • Percent of drivers in Hawaii with a reckless driving offense: 0.9%
• Rude Driving in Hawaii

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Hawaii is the #41 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #41
  • Percent of drivers in Hawaii with a rude driving violation: 1.1%
• Speeding in Hawaii

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Hawaii is the #30 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #30
  • Percent of drivers in Hawaii with a speeding ticket: 7.9%
• Failure to Yield Rates in Hawaii

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Hawaii is the #26 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #26
  • Percent of drivers in Hawaii with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.