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Drivers in the Aloha State pay an average of $110 per month for car insurance. But depending on the insurance company, you could pay more or less for coverage. Here’s what you should know about some of the best car insurance options available to Hawaiians.
Quick Facts
The average cost of car insurance in Hawaii is $110 per month.
GEICO is the cheapest insurer in Hawaii, with average rates of $107 a month.
The easiest way to cut car insurance costs is to compare quotes online.
Best car insurance companies in Hawaii
The best car insurance company isn’t a one-size-fits-all answer. Instead, you’ll need to determine which company is best for you based on your unique situation.
Insurance Company
Best For
Average Monthly Quote: Full Coverage
Insurify Quality Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
Find Car Insurance in Hawaii
Unlock savings and discounts when you compare rates
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$139/mo
The fourth-largest U.S. auto insurer by market share, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states and Washington, D.C., the company has an A+ (Superior) financial strength rating from AM Best. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.
Pros
Superior financial strength rating from AM Best
Pay-per-mile option available
Cons
Lower customer satisfaction ranking than some competitors
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$119/mo
The third-largest U.S. auto insurer by market share, GEICO is an indirect, wholly owned subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection coverage, among other products. AM Best gives GEICO an A++(Superior), its highest financial strength rating. However, GEICO has nearly twice as many complaints as expected in the NAIC’s Consumer Complaints Index.
Pros
Competitive rates for good drivers, seniors, and young drivers
Offers accident forgiveness coverage
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
I had an accident and they raised my rates to over $8,000 a year. I initially thought I was making normal upfront payments, but it turned out to be monthly payments.
Jerrett - April 15, 2024
Verified
Poor
Too expensive.
Randy - April 15, 2024
Verified
Good
It's a good company, but I feel the price keeps going up.
…
Most affordable car insurance in Hawaii: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo
State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. As the largest U.S. auto insurer by market share, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the NAIC’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Mediocre. Calls to the office are neither answered nor returned. In addition, a recent rate increase has caused me to start shopping for another insurer.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$90/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$198/mo
Travelers has been in business for 160 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the NAIC’s Consumer Complaints Index. AM Best gives the company an A++ (Superior) financial strength rating.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
Much lower-than-average ranking in J.D. Power 2023 U.S. Auto Insurance Study
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$96/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$204/mo
In business for more than 110 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A (Excellent) financial strength rating from A.M. Best. However, the company has three times the expected rate of complaints in the NAIC’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.
Pros
Wide range of available discounts
Accident forgiveness available
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Don't have an accident or get a ticket, your rates will triple.
Janise - April 12, 2024
Verified
No Roadside Assistance in My Area
It's hard to get a live person to talk to, and it's difficult to find the right phone number.
Phyllis - April 12, 2024
Verified
Loyalty doesn't count anymore!
I had been with Liberty Mutual since 1997. I had both auto and homeowners policies. I never filed a claim, but my premiums started increasing significantly over the past couple of years. It seems that loyal customers don't matter to Liberty Mutual. It's time to move on!
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$100/mo
USAA exclusively serves members of the military community. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including for bundling, insuring multiple vehicles, living on a military base, and more. AM Best gives USAA an A++ rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s Overall Customer Satisfaction Index. Customer reviews are mixed for service and claims processing.
Pros
Low premiums
SafePilot telematics program rewards good driving with up to 30% discount
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$81/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$145/mo
The second-largest U.S. auto insurer by market share, Progressive offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot telematics safe driver discount. Progressive has an AM Best rating of A+ (Superior) for financial stability. However, the company has a slightly higher-than-expected number of complaints in the NAIC’s Consumer Complaints Index.
Pros
Snapshot telematics program rewards good drivers
Numerous coverage options and discounts available
Cons
Higher-than-expected amount of complaints
Ranked below average in J.D. Power 2023 U.S. Auto Insurance Study
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$85/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$187/mo
Nationwide, a top 10 U.S. auto insurer based on market share, sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ (Superior) financial strength rating from AM Best, and an only slightly higher-than-expected number of customer complaints in the NAIC’s Consumer Complaints Index.
Pros
Numerous discount and savings opportunities
Offers two usage-based telematics programs: SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Cons
Not available in every state
Some discounts and programs not available in all states
My rate doubled for no apparent reason. I have no tickets and no accidents.
Janet - March 30, 2024
Verified
Expensive Insurance Company
They are very expensive and not helpful. They don't offer storage insurance and there are no discounts.
Jeri - March 30, 2024
Verified
Don't Choose Nationwide
I have been with this company for 30 years, always paying on time, with no tickets or accidents, and very low mileage. However, this time my rates went up by $500 without a reasonable explanation. Age discrimination was implied.
How Insurify’s experts used internal proprietary data to rate the top auto insurers
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.
The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
How to shop for the best car insurance in Hawaii
Many reputable car insurance companies offer insurance to Hawaii residents. But the best car insurance option varies based on your situation.
Start by making a list of what’s most important to you. Here are a few things to consider:
Reputation of the company
Financial stability of the insurer
Policies offered
Customer ratings
Price points available
Once you determine which qualities are most important for your situation, you can use the list to find the right insurance company for you.
How to get the cheapest car insurance in Hawaii
Cheap car insurance can make a big difference for any household budget. Here are some strategies to help you lock in the best rates:[1]
Shop around. Comparing quotes across multiple car insurance companies can significantly affect how much you pay for coverage. Each insurance company has a slightly different method of determining rates, which means shopping around can lead you to savings.
Choose the right vehicle. “The fact that Hawaii is an island can make it hard to source certain hard-to-find car parts,” says Ben Michael, director of auto at Michael & Associates. “If you drive a less-common make or model of car, you can expect to pay more for insurance as well as for repairs.” Picking the right vehicle can help you find lower rates.
Ask for a discount. Car insurance companies offer a wide range of discounts. Before signing up for an auto policy, ask if you qualify for a discount.
Take a defensive driving course. Many top insurance companies offer a discount to drivers who brush up on their skills. When you finish the course, you might enjoy a lower cost of car insurance.
Sign up for a telematics program. Many insurers offer usage-based telematics programs that track your driving for risk behaviors like hard braking or speeding. Drivers who practice safe driving habits can lower their rates through these programs.
Minimum car insurance requirements in Hawaii
The state of Hawaii requires all motor vehicles operated or parked in the state to have insurance. You must carryproof of insurance in your car at all times and have it available when:
A major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder injured during an accident. Hawaii is a no-fault state, meaning both parties’ insurance companies will pay for expenses, regardless of who caused the accident.
Property damage liability
$10,000 per accident
This coverage pays for repairs to the property of the other involved parties. Additionally, property damage insurance can cover legal costs if the insured driver faces a lawsuit following the accident.
Personal injury protection (PIP)
$10,000 per person
Personal injury protection coverage, also referred to as PIP coverage or no-fault insurance, will cover you and your passengers for medical payments they incur in the event of an accident. Depending on your plan, you may also receive nonmedical benefits, compensating you for lost wages, household expenses, and even funeral costs.
Liability-only vs. full-coverage insurance in Hawaii
As a driver, you can choose to carry liability-only auto insurance. With minimum liability auto insurance, your insurance company will pay for expenses relating to the injuries and damages you cause to another party. However, this minimum liability coverage won’t help you repair your own vehicle.[3]
In general, liability-only insurance can make sense if:
You can only afford to squeeze the minimum amount of coverage into your budget.
You have a low-value vehicle.
You can afford to repair or replace the vehicle without the help of an insurance company.
While liability-only car insurance is helpful, many drivers choose to purchase more robust coverage for greater financial protection from at-fault accidents. A full-coverage insurance policy includes collision and comprehensive coverage on top of liability coverage.
After an accident with another vehicle or an object like a tree or light pole, collision coverage pays to repair or replace your vehicle. It also covers rollover accidents and pothole damage. For even more protection, comprehensive coverage pays to repair or replace your vehicle after non-collision incidents, like theft, bad weather, and vandalism.
If you couldn’t afford to repair or replace your vehicle after an accident, a full-coverage policy might be a good fit. While you’ll pay more for a full-coverage policy, you’ll also have more financial protection from at-fault accidents and other losses.
The following table provides average monthly quotes for full coverage from top car insurance companies in Hawaii.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Hawaii car insurance rates by driving and accident history
Your driving history can have a big effect on your car insurance costs.[4] As a driver, you might see your rates go up if any speeding tickets, DUIs, or at-fault accidents hit your driving record. Accident forgiveness coverage is a good way to keep rates steady after an at-fault accident, but you'll need to be accident- or claims-free for at least three years to qualify for this type of coverage.
Most good drivers, without any traffic violations, tend to pay lower rates.
SR-22 insurance in Hawaii
An SR-22 is a form that indicates proof of financial responsibility. Some drivers may have to file this document with the Hawaii Department of Motor Vehicles (DMV). You might be required to file this form after a traffic court conviction.[5]
You’ll need to work with an insurance company that’s willing to provide an SR-22 form. Not all insurance companies provide this form, so if your current insurer doesn’t, then you’ll need to find car insurance from a different company.
A few insurance companies in Hawaii that offer SR-22 forms include Farmers, Midvale Home & Auto, and State Farm.
When insurance companies are determining rates, some states allow them to consider the driver’s credit history. In Hawaii, insurance companies aren’t allowed to take your credit history into account when determining auto insurance premiums.[6] As a driver in Hawaii, you don’t have to worry about a poor credit score resulting in higher rates.
But in states that allow the use of credit as a rating factor, drivers with excellent or good credit scores tend to pay less for car insurance than those with poor credit scores.
Car insurance quotes in Hawaii cities
Every city has different variables that affect car insurance costs. For example, a city with more traffic and higher crime rates might also come with higher insurance premiums than a city with fewer drivers and less theft.
In Hawaii, car insurance rates vary slightly by city.
Car Insurance Company
Average Monthly Quote
Compared to State Average
Honolulu
$109
-1%
Wai‘anae
$106
-3%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Hawaii
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4.8/5
Hawaii car insurance rates by driver age
Hawaii prohibits insurance companies from using age as a rating factor, although the practice is common in other states.
Typically, a driver’s age often affects their car insurance premiums. In general, teen drivers pay the most due to their higher accident rates, while older drivers tend to enjoy lower rates because they're less likely to get into an accident.
But in Hawaii, rates don’t drop off after drivers turn 25. Instead, Insurify data shows that Hawaii drivers in their 30s face increased rates compared to teenagers on the road.
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
If you’re shopping for car insurance in Hawaii, it’s important to know the state’s minimum coverage requirements as well as any additional coverage options you might need. Here’s some additional information about Hawaii car insurance that may help.
Who has the cheapest car insurance in Hawaii?
Everyone has a unique car insurance situation, which means you can find the cheapest option for you by shopping around. When you compare multiple quotes, you’ll usually find that liability-only policies are cheaper than full-coverage policies.
Midvale Home & Auto offers one of the cheapest car insurance options in Hawaii, based on Insurify data.
What is the required car insurance coverage in Hawaii?
Hawaii is a no-fault state that requires drivers to carry at least $10,000 for PIP coverage, $20,000 per person for bodily injury liability, $40,000 per accident for bodily injury liability, and $10,000 for property damage liability. Compared to the minimum car insurance requirements of other states, Hawaii is in the middle of the pack. But the minimum coverage is just a starting point. Many drivers choose to carry more insurance to protect their financial interests after an accident.
What are the best car insurance companies in Hawaii?
A few of the best car insurance companies in Hawaii include Allstate, State Farm, and USAA. As a driver, you’ll need to determine which car insurance company best suits your needs. Consider a company’s financial strength ratings, coverage, discount options, and customer reviews to gain more insight into whether it’s right for you.
How does credit score affect car insurance premiums in Hawaii?
In some states, insurers can consider your credit rating when determining premiums. A higher credit score typically results in lower auto insurance premiums. But Hawaii doesn’t allow insurance companies to use your credit rating when setting your auto insurance premium. Hawaii also prohibits insurers from using common rating factors such as age, gender, and marital status to determine premiums.
Is Hawaii a no-fault state?
Yes, Hawaii is considered a no-fault state. With that, you must carry coverage that will help you pay for your own medical costs after an accident.
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.
Honda Civic
Most Popular Car in Hawaii
#30
State with the Most Speeding Tickets Rank
#44
State with the Moving Violations Rank
#26
State with the Most DUIs Rank
#8
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 #49 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #49
Percent of drivers in Hawaii with an accident: 5.3%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hawaii is the #26 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #26
Percent of drivers in Hawaii with a DUI: 1.4%
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 #42 state in the country for drivers with a reckless driving offense on record.
Rank among states: #42
Percent of drivers in Hawaii with a reckless driving offense: 0.9%
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 #41 state in the country for drivers with a rude driving violation on record.
Rank among states: #41
Percent of drivers in Hawaii with a rude driving violation: 1.1%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Hawaii is the #30 state in the country for drivers with a speeding ticket on record.
Rank among states: #30
Percent of drivers in Hawaii with a speeding ticket: 7.9%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Hawaii is the #26 state in the country for drivers with a failure to yield violation on record.
Rank among states: #26
Percent of drivers in Hawaii with a failure to yield violation: 0.1%
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.
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.
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Allstate
GEICO
State Farm
Travelers
Liberty Mutual
USAA
Progressive
Nationwide)
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