On average, car insurance rates for drivers in Hawaii are $122 per month, and $1466 per year. The average rates make Hawaii the least expensive state in the country for car insurance rates and 83% less expensive than the national average.
Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.
Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.
Insurify analyzed car insurance rates in the twenty most populous cities in Hawaii and has selected the following providers and quotes as the best rates for drivers in Hawaii.
Teens in Hawaii shouldn’t expect to pay too much for car insurance, with their average rates coming in at $100 per month. The rates go up a bit in young adulthood, with drivers in their 20s paying an average of $133 per month. After that, prices hover around the statewide average, going as high as $125 per month for drivers in their 60s and as low as $113 per month for drivers in their 50s.
When it comes to car insurance, the battle of the sexes is a draw in Hawaii, with both men and women paying $122 per month on average.
When a driver in Hawaii gets married, they can expect to pay slightly more on car insurance compared to single drivers. On average, married drivers pay $30 more on their car insurance, at $141 per month. This number is $19 above the general average car insurance rate in Hawaii.
In Hawaii, drivers must have a minimum of $20,000 in bodily injury liability per person and $40,000 per accident. For property damage, drivers must have at least $10,000 in property damage liability per accident. Hawaii also requires drivers to have $10,000 in personal injury protection (PIP) per person.
Hawaii enables car insurance companies to consider your credit score when determining your car insurance rates. Despite this, drivers with an excellent credit history actually pay the highest average rate on car insurance ($124 per month), while those with a poor credit history pay the least ($112 per month).
Those with an average or good credit history fall in the middle of these two ranges at $115 per month and $116 per month, respectively.
"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?
Drivers with a speeding ticket in Hawaii will pay $18 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $14. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.
Car insurance rates can vary widely between car insurance companies. And with several carriers offering their services in Hawaii, drivers in the Aloha State will want to make sure they’re comparing rates so that they can find the right policy for their budget.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.
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.