Average Car Insurance Cost in Hawaii (2024)

Drivers in Hawaii pay an average of $1,054 per year for car insurance.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated December 7, 2023 at 11:00 AM PST

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If you’re a driver living in the 50th U.S. state, the good news is your car insurance likely costs less than what drivers in other states pay. Hawaii car insurance costs an average of $88 per month, significantly less than the national average rate of $155 per month.

Insurance companies might have cheaper car insurance in Hawaii because the Aloha State has stricter traffic laws to curb distracted driving, a smaller population, and temperate weather conditions. These factors can contribute to lower average rates for everyone in the area.

Quick Facts
  • The average cost of car insurance in Hawaii is $64 per month for liability coverage and $112 per month for full coverage.

  • Teen drivers in Hawaii pay more than twice as much for car insurance as senior drivers.

  • Hawaii insurance companies can’t use your credit score to determine your car insurance premiums.[1]

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Liability rates average $64 per month

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What’s the average cost of car insurance in Hawaii?

The average annual rate for minimum liability coverage in Hawaii is $769, or $64 per month. The average annual rate for full-coverage car insurance in the state is $1,338, or $112 per month.

However, your rates may vary based on individual factors, the amount of coverage you need, your driving record, and more.

Insurify uses proprietary data to calculate average premiums in the U.S. to help drivers compare and buy car insurance. Average car insurance rates by insurance companies in Hawaii aren’t available at this time, but understanding what affects your premiums and how to shop for car insurance quotes can help you find the best coverage for your situation.

Average Hawaii car insurance rates by age

Insurance companies look at your age to assess your driving experience and likely driving behavior. For example, drivers younger than 25 generally have less driving experience and demonstrate an increased risk of reckless driving.

As expected, young drivers experience more expensive premiums, with teen drivers having the highest rates. Once drivers gain experience and hit their 30s, they start to have less expensive premiums, with drivers in their 60s paying the lowest rates.

In contrast, drivers in their 70s begin to see elevated rates. Age-related factors like declined physical functions and an increased risk of sustaining serious injuries in a car accident make older drivers costly to insure.[2]

Here’s how Hawaii’s average car insurance rates change by driver age.

Rates by Age

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How gender affects car insurance rates in Hawaii

Men experience higher auto insurance rates than women for several reasons.

On average, men drive more, which increases the likelihood of an accident occurring. Men also tend to engage in risky driving behaviors more often than women.[3] Reckless driving like speeding and driving under the influence (DUI) lead to higher accident rates and more severe crashes.

Hawaii auto insurance companies evaluate your age and gender in tandem to determine your rates. For example, Insurify data finds that older females have the cheapest car insurance policies in Hawaii.

AgeMaleFemale
16$205$195
35$102$98
50$80$77
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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How your driving record affects car insurance rates in Hawaii

A driving incident refers to at-fault accidents, speeding tickets, DUIs, or other traffic violations. An incident on your record signals to insurance companies that you’re at greater risk of a future accident than drivers with clean driving records. Insurance companies account for this risk by charging you more for your insurance policy.

The severity of the incident can affect how much your car insurance in Hawaii increases. For example: Hawaii car insurance companies charge more, on average, for drivers with severe incidents like DUIs on their record than they do for drivers with speeding tickets.

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$64$112
With accident$86$150
With speeding ticket$99$218
With DUI$125$218
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Hawaii car insurance rates by marital status

Married couples typically take advantage of multi-vehicle, multi-policy, and home insurance discounts, saving them money on their policy. In addition, adding good drivers to your auto policy will likely lower your car insurance premiums.

The table below shows how married couples in Hawaii pay slightly less for car insurance than single drivers.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Married $61$103
Single $63$107
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Hawaii car insurance FAQs

Check out Insurify’s guide on car insurance discounts and the answers to frequently asked questions about the average cost of car insurance in Hawaii.

  • What is the average cost of car insurance in Hawaii?

    The average cost of car insurance in Hawaii is $64 per month for liability coverage and $112 per month for full coverage.

  • What is the cheapest car insurance in Hawaii?

    The cheapest car insurance company in Hawaii is Midvale Home & Auto. It offers liability car insurance at $69 monthly and full-coverage at $127 monthly. However, the cheapest car insurance company for you will depend on your unique situation and needs.

    The best way to find car insurance coverage at your desired price is by comparing car insurance quotes from at least three auto insurance companies. You can also use discounts, bundle insurance products, and choose a higher deductible to get the lowest rates.

  • Do car insurance rates vary by county in Hawaii?

    Yes. Insurers look at accident and crime rates, weather patterns, and population density to determine whether drivers within a county will file more claims. If you live in a high-risk area, you can expect higher rates than drivers in a low-risk area.

  • What are the best auto insurance companies in Hawaii?

    The best car insurance companies in Hawaii include GEICO, Allstate, and State Farm. But ultimately, the best insurer for you depends on your coverage needs, driver profile, and budget. Evaluating a company’s reputation, affordability, and coverage options will help you find the best policy for you.

  • What are the car insurance requirements in Hawaii?

    Hawaii is a no-fault state, meaning you must have personal injury protection (PIP) to drive legally. PIP coverage pays for you and your passengers’ medical expenses, regardless of fault in a car accident.

    These are the car insurance coverages you must have in Hawaii:[4]

    • Bodily injury liability coverage: $20,000 per person/$40,000 per accident

    • Property damage liability coverage: $10,000 per accident

    • PIP coverage: $10,000 per person

    • Uninsured motorist coverage: $20,000 per person

    • Underinsured motorist coverage: $20,000 per person

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?." Accessed October 23, 2023
  2. Insurance Institute for Highway Safety. "Fatality Facts 2021: Older people." Accessed October 23, 2023
  3. Insurance Institute for Highway Safety. "Fatality Facts 2021: Males and females." Accessed October 23, 2023
  4. Hawaii Department of Commerce and Consumer Affairs. "Motor Vehicle Insurance Information." Accessed October 23, 2023
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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