Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
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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 $90 per month, significantly less than the national average rate of $159 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.
Datos Breves
The average cost of car insurance in Hawaii is $65 per month for liability coverage and $114 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]
Find Car Insurance in Hawaii
Liability rates average $65 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 $775, or $65 per month. The average annual rate for full-coverage car insurance in the state is $1,373, or $114 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.
Age
Male
Female
16
$205
$195
35
$102
$98
50
$80
$77
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Shop for Car Insurance in Hawaii
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Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
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 Record
Average Quote: Liability Only
Average Quote: Full Coverage
Clean record
$65
$114
With accident
$85
$148
With speeding ticket
$100
$235
With DUI
$134
$235
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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 Status
Average Quote: Liability Only
Average Quote: Full Coverage
Married
$61
$103
Single
$63
$107
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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 $65 per month for liability coverage and $114 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
Metodología
Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.
El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.
Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.
Sources
Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
Alani Asis es redactora independiente de finanzas personales con casi tres años de experiencia en la creación de contenidos. Ha publicado titulares en publicaciones y marcas destacadas como Insider, Fortune y LendingTree, entre otros. El objetivo de Alani es hacer que las finanzas personales sean accesibles a través de contenidos divertidos, comprensibles y digestibles.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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