Average Cost of Car Insurance in Hawaii for 2026

Hawaii car insurance costs less than in most states. Your age, driving experience and location within the state affect your rates. You can lower your costs right now by comparing quotes from multiple companies and adjusting your coverage levels to match your actual needs. 

Jump to factors you can control today:

• Cost of Car Insurance in Hawaii by Company
• Cost by Coverage Level

Jump to factors that are fixed (for now):

• Cost by City
• Cost by Driving Record
• Cost by Credit Score
• Cost by Vehicle

Car insurance in Hawaii ranges from $34 per month for minimum coverage to $82 for full coverage. Island residents save $322 annually compared to the national average for minimum coverage and $510 per year for full coverage.

Only three states have cheaper full coverage than Hawaii, which ranks fourth of 50 states and Washington, D.C., for affordability at $82 per month. Hawaii is above Idaho at $79 per month and ties with New Hampshire at $82 per month.

Hawaii's mandatory no-fault personal injury protection law requires all drivers to carry at least $10,000 in PIP coverage, adding $200 to $400 annually to the average policy compared to states without no-fault requirements. 

About 9% of Hawaiian residents carry no insurance despite the legal requirement, forcing insured motorists to pay higher uninsured motorist premiums.

Geographic isolation increases repair and replacement costs since most auto parts must be shipped from the mainland, adding 15% to 25% to repair bills.

Rates vary between islands and cities based on local risk factors (see city rates below).

Full coverage in Hawaii ranges from $66 per month with GEICO to $112 with Progressive. That $46 monthly difference adds up to $552 per year, which makes comparing quotes worth the effort.

GEICO leads the market with rates 20% below the state average. Farmers follows at $72 per month, and local option Island Insurance offers competitive coverage at $80 per month. 

Drivers can save up to $552 per year by switching from the most expensive to the most affordable option.

Read more: Cheapest and Best Car Insurance Companies in Hawaii

Rates vary so much between companies because each insurer uses its own formula to weigh your driving record, location, age and vehicle. A company with more customers in the islands prices driver profiles differently based on its own claims history and data compared to carriers with fewer local policies. Some insurers prioritize clean-record drivers and offer competitive rates for low-risk profiles, while others specialize in higher-risk drivers who've been turned down elsewhere. Your cheapest option depends on your driver profile, so comparing quotes directly is the only way to find which company prices your risk factors most favorably.

Coverage level alone can move your monthly premium by $77 in Hawaii, from $34 for minimum liability to $111 for the highest tier. State minimum liability costs $34 per month, while adding comprehensive and collision coverage with a $1,000 deductible brings your monthly cost to $44. That extra $10 per month covers damage to your own vehicle from accidents, theft, vandalism and weather.

Lowering your deductible costs more than raising your liability limits in Hawaii. The most expensive coverage tier combines minimum liability with comprehensive and collision at a $0 deductible, costing $111 per month because eliminating your out-of-pocket costs for vehicle repairs increases your premium.

Car insurance rates vary by $12 a month across Hawaii's 10 most populous cities. Kailua is the most expensive city at $91 per month for full coverage, Kahului is the most affordable among the state's largest cities at $79 per month, followed by Pearl City and Mililani Town at $82.

Kailua's higher rates are because of high population density, higher vehicle theft rates and greater accident frequency, which push full coverage to $91 per month. Kahului, located on Maui, has lower traffic density and fewer theft claims than Oahu's urban centers, keeping full coverage at $79 per month.

Your driving record is fixed in the short term, but violations don't last forever. Drivers with a clean record pay $84 per month for full coverage in Hawaii, while a speeding ticket raises that cost to $98 per month. This 17% increase adds $163 to your annual premium. Violations affect rates for three to five years in Hawaii, though the timeframe varies by violation type.

A DUI conviction increases monthly premiums to $287 and represents a 242% increase that costs drivers $2,441 more per year compared to a clean record. Violations raise rates because they show a higher risk to insurers, who respond by increasing premiums to offset the potential for future claims. Drivers with serious violations may need to file SR-22 forms to maintain their driving privileges.

Multiple violations narrow your insurer options in Hawaii and can push you into the high-risk category, where rates increase and fewer carriers will offer coverage. Drivers facing this situation can find specialized coverage options through high-risk car insurance in Hawaii.

Hawaii is one of only three states where credit score does not affect car insurance rates, as state law prohibits insurers from using credit-based scoring when setting premiums. In most states, poor credit can more than double full coverage costs, but drivers in Hawaii are protected from this practice. 

California and Massachusetts are the only other states that restrict credit-based insurance scoring, with California voters passing Proposition 103 in 1988 and Massachusetts maintaining regulatory prohibitions.

Understanding how insurance costs by vehicle vary helps you budget. Full coverage ranges from $95 per month for a Ford F-150 to $141 for a Tesla Model Y, with sedans like the Honda Civic falling in the middle at $98 per month.

Your city, age, driving record and coverage level each affect what you pay for car insurance in Hawaii, creating more cost variation than most island residents expect.

We used this profile to determine auto insurance costs across all available ZIP codes and cities in Hawaii:

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.

Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.