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Cheap Car Insurance in Hawaii (With Quotes, May 2022)

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Doug Shaffer

By: Doug Shaffer

Edited by Tanveen Vohra

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance in Hawaii is $122 per month, or $1,464 annually.
  • Farmers is the cheapest provider we found in Hawaii, with average premiums of $108 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Car Insurance in Hawaii

Not only do Hawaii drivers get to enjoy sunshine and the beach, but they also have some of the lowest auto insurance rates in the country. On average, Hawaiians will pay $122 a month for state minimum car insurance. While this average is a good number to judge quotes against, you should compare personalized quotes with Insurify to find out how much you could be paying.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Cheapest Car Insurance in Hawaii

How much is car insurance in Hawaii?

The average cost of car insurance in Hawaii is $122 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Every driver is after cheap auto insurance coverage, but it isn’t always easy to find. For motorists living in Hawaii, one insurance provider consistently provides low average rates—Farmers. Generally, policyholders pay insurance premiums of $108 per month. Below is a list of other auto insurance companies that offer some of the best rates in the state.

Car Insurance CompanyAverage Monthly Quote
Farmers$108
Midvale Home & Auto$134
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Car Insurance Quotes

Cheapest Liability Auto Insurance in Hawaii

One component of your auto insurance policy is liability insurance. Liability coverage will assist in paying for any injuries or property damage that occurs to another person from an accident where you were at fault. Here are a few of the best cheap car insurance companies that offer liability coverage.

Car Insurance CompanyAverage Monthly Quote
Farmers$66
Midvale Home & Auto$69
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Hawaii

A full-coverage policy is a great option for drivers who want auto insurance that provides the highest level of coverage. It provides liability insurance and has the added protection of collision coverage and comprehensive coverage. Below are a couple of the companies you should consider if you are thinking about purchasing full-coverage car insurance.

Car Insurance CompanyAverage Monthly Quote
Farmers$130
Midvale Home & Auto$149
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Hawaii

There are several ways to rank the best Hawaii auto insurance companies. Insurify utilizes an Insurify Composite Score (ICS) to determine which providers offer the best value to customers. The table below showcases the best car insurance companies in Hawaii and the average monthly rate you can expect to pay.

Car Insurance CompanyICSAverage Monthly Quote
Farmers85$108
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

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Hawaii Car Insurance Rates by Driving and Accident History

Many things can affect your rates, but your driving record and accident history are two of the biggest factors. If you have a clean driving record, you can expect your rates to be lower than they would be if you were involved in a car accident. Other things, such as DUIs and speeding tickets, can also affect rates.

See More: High-Risk Car Insurance Hawaii

Cheap Car Insurance for Good Drivers in Hawaii

Often, the cheapest auto insurance rates go to motorists identified as good drivers. To be included in this category, you will want to maintain a clean driving record and avoid any issues such as tickets or accidents. Customers who are considered good drivers can expect to pay the following rates.

Car Insurance CompanyAverage Monthly Quote
Farmers$93
Midvale Home & Auto$119
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in Hawaii

Having a DUI on your driving record can cause concern for insurance companies. Since most insurance providers use risk factors to set rates, having a DUI will classify you as high-risk and result in a higher monthly premium. Below is a list of quotes you can expect to see if you have a DUI in your driving history.

Car Insurance CompanyAverage Monthly Quote
Farmers$139
Midvale Home & Auto$190
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Insurance Hawaii

SR-22 Insurance in Hawaii

If a driver is convicted of a serious traffic violation, such as reckless driving, a hit-and-run, or a DUI, Hawaii law could require them to obtain an SR-22 insurance form. This form provides legal proof that a driver carries the state minimum liability insurance. Should you need an SR-22, the following companies are often the best place to start.

Cheap Car Insurance for Drivers with an At-Fault Accident in Hawaii

Hawaii is among 12 states considered no-fault states, which means that your insurance has to cover your damages from an accident even if it was another driver’s fault. Since this is the case, multiple accidents in your driving history can qualify you as a high-risk driver and result in higher premiums. Use the table below to see how an accident can affect your monthly rates.

Car Insurance CompanyAverage Monthly Quote
Farmers$140
Midvale Home & Auto$206
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Hawaii

We all have been guilty of driving above the speed limit. Whether you were running late for work or had an appointment to get to—receiving a speeding ticket could mean higher monthly rates. If you do receive a speeding ticket, you should consider getting a quote from one of the following insurance providers.

Car Insurance CompanyAverage Monthly Quote
Farmers$154
Midvale Home & Auto$175
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Hawaii Car Insurance Rates by Credit Tier

Drivers in Hawaii won’t have to worry about their credit rating affecting their overall auto insurance rates. State law forbids insurance companies from using credit history as a factor when setting annual premium rates. This means that drivers who have a poor rating will have the same average rates as drivers with an excellent rating—barring other factors.

See More: Bad Credit Car Insurance Hawaii

Car Insurance Rates in Hawaii Cities

Regardless of where you live in Hawaii, most cities feature auto insurance rates well below the national average of $139 per month. Locations such as Kihei, Kahului, and Wailuku offer monthly averages of $30–$40 less. Use the chart below to see the average monthly quote in your city.

CityAverage Monthly Quote
Honolulu$114
Hilo$113
‘Ewa Beach$138
Wai‘anae$121
Kailua Kona$117
Waipahu$113
Wailuku$107
Kailua$123
Kihei$99
Kapolei$124
Mililani$116
Kane‘ohe$121
Kahului$105
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Hawaii Car Insurance Rates by Driver Age

Even though the first couple of years of driving is an exciting period, teen drivers and young drivers often contend with higher average monthly rates. As drivers gain more experience, insurance companies often offer better rates. For instance, drivers in their 20s pay $24 more per month for auto insurance than those in their 80s.

Age GroupAverage Monthly Rate
Teenagers$112
Under 25$123
20s$125
30s$115
40s$116
50s$110
60s$113
70s$108
80+$101
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Hawaii Driving Facts

Every state has minimum insurance requirements, and Hawaii is no exception. Additionally, all drivers in Hawaii will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Hawaii.

Minimum Car Insurance Requirements in Hawaii

The state of Hawaii requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Hawaii are:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Hawaii state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons.

Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.

The minimum property damage liability insurance requirements in Hawaii are:

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Hawaii requires $10,000 for the minimum. You’ll see the collective state minimum listed at 20/40/10. The 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

The minimum personal injury protection (PIP) insurance requirements in Hawaii are:

  • $10,000 personal injury protection (PIP) per person per accident

Hawaii is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. Hawaii PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The minimum coverage limits Hawaii state law requires is $10,000 per person per accident.

Hawaii DMV Information

As a driver in Hawaii, you must have an updated driver’s license and the proper documentation for your vehicle. This often means you will need to regularly maintain or renew your vehicle’s tags. In addition to these services, the Hawaii DMV also offers the following services:

  • Special license examinations for driving motorcycles, commercial trucks, and noncommercial trucks
  • Defensive driving courses and certifications
  • Vehicle registration renewal
  • Transferring of vehicle title to another party

Public Transportation in Hawaii

If you are looking for alternatives to driving in Hawaii, your best option is to take the bus. Since Hawaii doesn’t offer transportation via trains, subways, or trams, riding by bus is generally the only way to get around. The good news is that Hawaii has invested heavily in the bus systems and offers excellent options on each of the four major islands.

How to Get the Cheapest Car Insurance in Hawaii

Regardless of whether you are searching for an auto insurance policy that meets the state’s minimum requirements or a full-coverage policy, you will want to shop around before purchasing. The first couple of quotes you receive often won’t be the cheapest, which is why it is important to review multiple quotes before selecting coverage.

Insurify makes the shopping process quick and easy. Thanks to an interactive platform that provides a list of quotes on a single page, you can quickly review policies within a matter of seconds. See what policies you qualify for today.

Frequently Asked Questions

  • As a driver in Hawaii, you must carry car insurance by state law. To meet the minimum coverage requirements, you will need a policy that offers the following components—property damage liability, bodily injury liability, uninsured motorist bodily injury, and personal injury protection.

  • There are many ways to find cheap car insurance in Hawaii. While many drivers start with large insurers, such as Liberty Mutual, Progressive, State Farm and GEICO, the truth is that regional providers often have low rates, too. To ensure that you get the best rates possible, use a platform like Insurify, where you can compare multiple quotes on a single page.

  • Hawaii auto insurance rates are much lower than the national average, and drivers can expect to pay an average of around $122 per month for a car insurance policy. However, several factors can bring down the rates even further, including discounts.

  • Even though the rates in Hawaii are among the lowest in the country, certain factors can drive the price up. For instance, location, driving history, age, risky driving behaviors, and the type of vehicle you drive can all cause your premiums to increase.

  • Since Hawaii is a no-fault state, personal injury protection is required. Having the insurance will help cover lost income, medical expenses, and injuries from a car crash.

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.

toyota

Toyota Tacoma

Most Popular Car in Hawaii

#26

State with the Most Speeding Tickets Rank

#16

State with the Moving Violations Rank

#30

State with the Most DUIs Rank

#29

State with the most Suspended Licenses

  • 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 #46 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #46
    • Percent of drivers in Hawaii with an accident: 8.12%
    • Percent of all U.S. drivers with an at-fault accident: 10.18%
    • Drivers in HI who have a current at-fault accident on their driving record pay 55.43% more on average than drivers with a clean record.
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Hawaii is the #26 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #26
    • Percent of drivers in Hawaii with a speeding ticket: 10.46%
    • Percent of all U.S. drivers with a speeding ticket: 9.18%
    • Drivers in HI with a speeding ticket in their driving history pay on average 55.43% more than drivers with a clean record.
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hawaii is the #30 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #30
    • Percent of drivers in Hawaii with a DUI: 1.83%
    • Percent of all U.S. drivers with a DUI: 1.65%
    • Drivers in HI with a DUI in their driving history pay on average 51.09% more than drivers with a clean record.
  • 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 #23 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #23
    • Percent of drivers in Hawaii with a rude driving violation: 1.82%
    • Percent of all U.S. drivers with a rude driving violation: 1.68%
    • Drivers in HI with a rude driving violation in their driving history pay on average 39.13% more than drivers with a clean record.
  • 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 #49 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #49
    • Percent of drivers in Hawaii with a reckless driving offense: 0.02%
    • Percent of all U.S. drivers with a reckless driving offense: 0.0949%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Hawaii is the #21 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #21
    • Percent of drivers in Hawaii with a failure to yield violation: 0.4%
    • Percent of all U.S. drivers with a failure to yield violation: 0.36%
    • Drivers in HI with a failure to yield violation in their driving history pay on average 48.91% more than drivers with a clean record
  • Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Hawaii is the #16 state in the country for drivers with a clean record.

    • Rank among states: #16
    • Percent of drivers in Hawaii with a clean record: 82.09%
    • Percent of all U.S. drivers with a clean record: 82.17%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Hawaii drivers rank #1 in hybrid and electric vehicle ownership across all fifty states.

    • Rank among states: #1
    • Percent of drivers in Hawaii with a hybrid/electric vehicle: 4.17%
    • Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.

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