Average Car Insurance Cost in Hawaii (2026)
Drivers in Hawaii pay an average of $94 per month for car insurance.
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Writer: Danny SmithInsurance Writer
Writer: Danny SmithInsurance Writer
Qualifications:
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Editor: Matthew GrossEditor
Editor: Matthew GrossEditor
Qualifications:
5+ years editing experience
2+ years in insurance content
Matthew has been an editor at Insurify since 2024. He seeks to help readers make better-informed insurance choices.
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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
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Drivers in Hawaii pay monthly averages of $62 for liability-only coverage and $126 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 $742 annually for liability-only insurance and $1,514 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 $94 per month for car insurance, which comes out to $1,128 per year. On average, Hawaii residents pay $62 per month — $742 annually — for liability coverage. For full-coverage insurance, drivers pay $126 monthly, which adds up to $1,514 per year.
Full-coverage car insurance is more expensive than liability-only coverage because it includes both collision and comprehensive coverage.
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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.[1] 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.
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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.
What is the average annual cost of car insurance in Hawaii?
The average cost of car insurance in Hawaii is $1,128 per year. Drivers pay an average of $742 per year for liability insurance and $1,514 for full coverage.
What is the cheapest car insurance company in Hawaii?
State Farm is the cheapest car insurance company in Hawaii, with an average monthly rate of $40 for liability-only coverage.
How much is car insurance per month in Hawaii?
The average cost of car insurance per month in Hawaii is $94. Drivers pay a monthly average of $62 for liability coverage and $126 for full coverage.
What are the best auto insurance companies in Hawaii?
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.
What are the car insurance requirements in Hawaii?
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.[2]
Sources
- 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 250 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
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Writer: Danny SmithInsurance Writer
Writer: Danny SmithInsurance Writer
Qualifications:
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Editor: Matthew GrossEditor
Editor: Matthew GrossEditor
Qualifications:
5+ years editing experience
2+ years in insurance content
Matthew has been an editor at Insurify since 2024. He seeks to help readers make better-informed insurance choices.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.