Average Car Insurance Cost in Hawaii (2026)
Drivers in Hawaii pay an average of $81 per month for car insurance.
Secure. Free. Easy-to-use.
Excellent
)
Written byDanny Smith
)
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
Featured in
){kind=small}
)
Edited byMatthew Gross
)
Matthew GrossEditor
)
Reviewed byJohn Leach
)
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Drivers in Hawaii pay monthly averages of $58 for liability-only coverage and $105 for full coverage. Hawaii’s auto insurance rates are typically lower than the national average.
Like in most of the country, car insurance rates in Hawaii have risen recently. But Hawaii is still one of the least expensive states for car insurance, partly due to its relatively low minimum coverage requirements. Learn more about car insurance costs in Hawaii, how different factors affect your rates, and how to save money on your policy.
Quick Facts
Hawaii drivers pay an average of $693 annually for liability-only insurance and $1,256 annually for full coverage.
Hawaii is one of the cheapest states in the country for car insurance.
Hawaii drivers with speeding tickets on their records pay 38% more on average for car insurance than drivers with clean records.
How much is car insurance in Hawaii?
Hawaii drivers pay an average of $81 per month for car insurance, which comes out to $975 per year. On average, Hawaii residents pay $58 per month — $693 annually — for liability coverage. For full-coverage insurance, drivers pay $105 monthly, which adds up to $1,256 per year.
Full-coverage car insurance is more expensive than liability-only coverage because it includes both collision and comprehensive coverage. But your exact rate will vary based on factors like age, gender, and driving habits.
Compare Car Insurance Quotes
Check rates from leading insurers in Hawaii
Excellent
4.7 out of 5 based on 13,745 reviews
Secure. Free. Easy-to-use.
How Hawaii car insurance rates have changed over the past two years
See More
To find car insurance rates in Hawaii and the U.S. over the last two years, download our data here.
The average yearly price for full-coverage car insurance in Hawaii rose to about $1,500 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, even more than in Hawaii.
See how Hawaii car insurance prices have changed over the past two years below.
Average Hawaii Car Insurance Rates over the Past Two Years
State Name | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | 2,241 | 2,301 | 2,342 | 2,369 | 2,390 | 2,386 | 2,373 | 2,370 | 2,361 | 2,349 | 2,364 | 2,366 | 2,366 | 2,355 | 2,341 | 2,318 | 2,286 | 2,257 | 2,228 | 2,215 | 2,222 | 2,223 | 2,224 | 2,233 |
Average Hawaii car insurance rates by age and gender
Your age and gender have a significant effect on your car insurance rates. While Hawaii insurers can’t deny you a policy based on these factors, they can use them when determining your premiums.[1] Younger drivers and male drivers typically pay higher rates, as they tend to file more claims.
Take a look at the table below to see how rates vary in Hawaii based on age and gender, according to Insurify data.
Age  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $149 | $280 |
| 18 | $135 | $255 |
| 20 | $92 | $173 |
| 25 | $82 | $154 |
| 30 | $71 | $134 |
| 40 | $65 | $124 |
| 50 | $60 | $111 |
| 60 | $56 | $104 |
| 70+ | $60 | $112 |
Disclaimer: Table data is based on real-time Hawaii quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $135 | $254 |
| 18 | $123 | $231 |
| 20 | $84 | $157 |
| 25 | $74 | $140 |
| 30 | $65 | $122 |
| 40 | $59 | $112 |
| 50 | $54 | $101 |
| 60 | $50 | $94 |
| 70+ | $54 | $102 |
Disclaimer: Table data is based on real-time Hawaii quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Average cost to insure popular vehicles in Hawaii
The Toyota Tacoma was the most popular vehicle in Hawaii in 2024, followed by the Toyota 4Runner, according to data from Edmunds.[2] The Tesla Model Y, Toyota RAV4, and Toyota Corolla round out the top five.
The Tacoma, 4Runner, and RAV4 are all reliable cars known for their offroading abilities and storage capacity. These types of vehicles come in handy for many recreational activities in Hawaii, which might explain their popularity. Toyota is also one of the most popular and reliable brands in the world and is very popular across the country.
The table below shows the average rates for Hawaii’s most popular cars, according to Insurify data.
Vehicle | Average Monthly Quote |
|---|---|
| Toyota Tacoma | $120 |
| Toyota 4Runner | $122 |
| Tesla Model Y | $216 |
| Toyota RAV4 | $118 |
| Toyota Corolla | $144 |
Disclaimer: Table data is based on real-time Hawaii quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How your driving record affects car insurance rates in Hawaii
Your driving record has one of the most significant effects on your car insurance rates. It tells insurers what kind of driver you are and how they should assess your risk level. If you have infractions on your record, you’ll pay higher rates than someone with a clean driving history.
How much more you pay depends on the type of infraction. For example, a DUI can increase your rates significantly, but you’ll see a smaller increase if you get a speeding ticket. Look at the table below to see how your driving record affects your full-coverage car insurance rates in Hawaii, according to Insurify data.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $183 | 43% |
| With speeding ticket | $177 | 38% |
| With DUI | $209 | 63% |
Disclaimer: Table data is based on real-time Hawaii quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Cheap Car Insurance in Hawaii
Get quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 13,745 reviews
Secure. Free. Easy-to-use.
How to lower your insurance costs in Hawaii
Hawaii has some of the cheapest car insurance rates in the country, but you can take steps to save even more money. Here are a few ways to reduce your insurance costs:
Maintain a clean driving record
Insurance companies consider your driving history when setting rates, so keeping your driving record clean can help you get lower rates.
Apply for discounts
Car insurance discounts are one of the best ways to reduce your rates. Most insurers offer numerous discounts, so you should be able to find one that works for you.
Choose the right coverage level
Buy only the coverage you need. Liability coverage may be sufficient if you have an old car or don’t drive often. But if you commute daily or have a newer car, you might want to purchase full-coverage insurance.
Raise your deductible
If you can afford it, consider increasing your car insurance deductible. Raising your deductible will lower your premiums — but you’ll pay more out of pocket if you’re in an accident.
Compare car insurance quotes
Every insurance company is different, so you may find varying rates for the same coverage. Comparing auto insurance quotes can help you find the right coverage at the best price.
Hawaii average car insurance cost FAQs
Finding the right car insurance can be challenging. Below, we’ve answered some of the most commonly asked questions about the average car insurance cost in Hawaii.
The average cost of car insurance in Hawaii is $975 per year. Drivers pay an average of $693 per year for liability insurance and $1,256 for full coverage.
State Farm is the cheapest car insurance company in Hawaii, with an average monthly rate of $40 for liability-only coverage.
The average cost of car insurance per month in Hawaii is $81. Drivers pay a monthly average of $58 for liability coverage and $105 for full coverage.
State Farm, Allstate, and Midvale Home & Auto are among Hawaii’s best auto insurance companies. Each offers a unique combination of affordability, coverage, and discounts. But the best auto insurance company for you may differ, as every company determines rates differently. It’s important to compare quotes from multiple insurers before buying a policy.
Hawaii requires drivers to purchase a minimum of $20,000 per person and $40,000 per accident in bodily injury liability coverage and $10,000 per accident in property damage liability coverage.[3]
Sources
- State of Hawaii Department of Commerce and Consumer Affairs. "Motor Vehicle Insurance."
- Edmunds. "Most Popular Cars in America."
- State of Hawaii Department of Commerce and Consumer Affairs. "Motor Vehicle Insurance Information."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Best Car Insurance in Hawaii
Liberty Mutual, USAA, and State Farm are some of the best car insurance companies in Hawaii.
|April 21, 2026
)
Cheap SR-22 Insurance in Hawaii From $58
The average rate for SR-22 insurance in Hawaii is $58 per month, but you can find more affordable rates by comparing quotes.
|December 13, 2024
Cheapest Car Insurance Quotes in Hawaii
GEICO has the cheapest Hawaii car insurance, at $60 per month for liability coverage. Compare real auto insurance quotes from top companies in Hawaii and buy your policy online in minutes.
|April 21, 2026
)
How Does Car Insurance Work?
Car insurance protects you financially in the event of an accident. Read on to learn the different types of coverages and important terms to know when shopping for car insurance.
|July 2, 2025
)
6-Month vs. 12-Month Car Insurance Policies
The benefits of each auto insurance term differ. Compare the options presented here to find the best policy length for you.
|April 21, 2026
)
How to Shop for Car Insurance: Step-by-Step Guide
To shop for car insurance, compare quotes from multiple insurers, choose the right coverage limits, check discounts, and review policy details before buying.
|April 21, 2026
)
The 10 Largest Auto Insurance Companies in the U.S.
Top insurers State Farm, Progressive, GEICO, and Allstate account for more than half the total car insurance market.
|April 21, 2026
)
How Long Does It Take to Get Car Insurance?
You can have a new car insurance policy within minutes of receiving a quote.
|April 21, 2026
)
Best Cheap Auto Insurance in Honolulu, Hawaii
Drivers in Honolulu pay $42 per month for liability coverage, on average.
|April 21, 2026
)
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
Featured in
Matthew GrossEditor
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in