Hawaii residents pay roughly $983 annually for full coverage auto insurance and $404 for minimum coverage, based on a 40-year-old driver with solid credit and no violations. Hawaii ranks 4th for full coverage and 5th for minimum coverage affordability, with rates 33% and 41% below typical rates respectively.
Average Cost of Car Insurance in Hawaii
Updated: October 17, 2025
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Key Takeaways
Car insurance costs range from $404 to $3,324 per year on average depending on your chosen coverage, driving profile and location.
With rankings of fifth for minimum coverage and fourth for full coverage, Hawaii offers some of the most budget-friendly car insurance rates in the nation.
To secure the cheapest car insurance in Hawaii, start by deciding your coverage requirements, then research various companies before comparing quotes extensively.
Average Car Insurance Cost In Hawaii
| Full Coverage | $82 | $983 |
| Minimum Coverage | $34 | $404 |
Moving from liability-only to comprehensive coverage costs an extra $579 per year, equaling about $48 monthly. Actual rates depend on your specific circumstances, driving history and policy selections.
Average Hawaii Car Insurance Cost by Category
Hawaii breaks national patterns with young drivers paying just $87 monthly for full coverage while credit-impaired drivers pay $178 monthly. Personal factors uniquely influence Hawaii's car insurance costs.
Adults pay moderate $82 monthly rates while older vehicles secure the best deals at $73 monthly. Hawaii's limited driving distances and unique geography create distinctive rate relationships unlike mainland patterns.
| Drivers With Old Cars | $30 | $73 |
| Adult Drivers | $33 | $82 |
| Senior Drivers | $33 | $81 |
| Young Drivers | $36 | $87 |
| Drivers With A Speeding Ticket | $39 | $96 |
| Drivers With Newer Cars | $40 | $98 |
| Drivers With Low Income | $43 | $105 |
| Drivers With An Accident | $47 | $114 |
| Drivers With Bad Credit | $74 | $178 |
| Drivers With A DUI | $117 | $277 |
Hawaii's island geography reduces typical youth risks while credit factors maintain their influence, creating the state's most unusual rate patterns.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
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Average Hawaii Car Insurance Cost by Company
GEICO stands out with attractive rates in Hawaii at $66 monthly for full coverage, while Allstate prices at higher levels with $104 monthly. Hawaii insurance companies show considerable rate spreads, with full coverage premiums varying from $66 to $104 monthly among popular providers.
Hawaii drivers can pocket approximately $457 annually through strategic insurer selection.
| Geico | $24 | $66 |
| Island Insurance | $33 | $80 |
| Farmers | $35 | $72 |
| State Farm | $37 | $87 |
| Allstate | $41 | $104 |
Average Hawaii Car Insurance Cost by City
Anahola maintains Hawaii's lowest rates at $70 monthly while Laupahoehoe reaches $100 monthly for full coverage, creating a $30 difference across the islands. Different islands and regions show varied risk profiles.
Island communities with limited traffic and lower population density tend to offer better rates than busier areas. Compare rates for your city below.
Data filtered by:
Anahola
| Full Coverage | $70 | $836 |
| Minimum Coverage | $28 | $341 |
Is Hawaii Car Insurance Expensive?
Hawaii stands out as one of the most budget-friendly states for car insurance, ranking fourth for full coverage and fifth for minimum coverage. These strong rankings show Hawaii drivers pay less than most Americans for auto insurance. These statewide averages only tell part of the story, as your specific city's insurance costs may differ from the state's overall position.
Why Is Car Insurance More Expensive In Hawaii?
Below we'll explore the reasons for Hawaii's high car insurance rates:
No-Fault Insurance System
Hawaii is a no-fault state, meaning your insurance company pays for your injuries and your passengers' injuries up to the personal injury protection limit, regardless of who caused the accident. All drivers must carry at least $10,000 per person in personal injury protection coverage, which covers medical expenses, rehabilitation costs and other benefits. This system helps reduce litigation but requires all drivers to carry additional coverage beyond basic liability.
PIP Insurance Requirements
Unlike most states, Hawaii prohibits insurance companies from using age, gender or credit score as rating factors. This means rates are more uniform across demographics, with men and women paying identical amounts and age having minimal impact on premiums. These regulations make Hawaii one of the most restrictive states for insurance rating factors, resulting in more equitable pricing but potentially higher average rates.
Extremely High Rate of Uninsured Drivers
Hawaii's isolated location impacts car costs and insurance claims. Shipping a car to Hawaii costs between $1,500 to $2,500, making car replacement extremely expensive. Parts and labor costs are elevated due to shipping expenses, and cars traveling between islands face additional freight costs. These factors increase comprehensive and collision coverage costs as insurers account for higher repair and replacement expenses.
Severe Weather and Natural Disasters
Hawaii is vulnerable to numerous natural disasters including hurricanes, tsunamis, flash flooding and earthquakes. Recent events like the 2023 Maui wildfires caused $5.5 billion in damages and destroyed over 2,200 structures. The state also faces major disaster declarationns for severe storms, flooding and landslides, increasing comprehensive coverage claims and costs.
High Healthcare Costs
Bills being considered by the Legislature would increase legally required minimum liability coverage, which could boost premium costs. State Insurance Commissioner Gordon Ito estimates the proposals would add 11% to 70% to bodily injury premiums, with further increases expected in 2027. These potential changes could impact insurance affordability for Hawaii drivers.
Fraud and Litigation Issues
Hawaii's unique geography creates additional insurance considerations. Cars traveling between islands face special shipping requirements and costs, affecting coverage needs for residents with properties on multiple islands. The limited ferry services and reliance on air travel for most inter-island transportation means car shipping between islands is expensive and time-consuming, impacting replacement car availability during claims.
How to Lower Car Insurance Costs In Hawaii
Want to save even more on already affordable Hawaii rates? Here's how to lower your car insurance costs:
- 1Decide on coverage needs beforehand
Deciding on your coverage needs beforehand is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and your risk tolerance when making this decision.
- 2Research costs and discounts
To save money for your particular profile, know your average costs for your desired coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance or other bundles for the most balanced perspective.
- 3Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4Compare quotes through multiple means
Compare multiple company quotes to find the best deal possible. Also, we recommend using multiple methods of getting quotes like online comparison sites and independent agents since pricing varies widely between method.
Cost of Car Insurance in Hawaii: Bottom Line
Hawaii car insurance costs are among the most affordable in the United States, but smart shopping can still help you save even more. Decide on coverage needs beforehand, do thorough research and compare quotes from the right insurers for your situation.
Cost of Car Insurance in Hawaii: FAQ
Below are answers to frequently asked questions about Hawaii car insurance costs:
How much is Hawaii car insurance per month?
Hawaii car insurance costs $34 for minimum coverage and $82 for full coverage policies per month. However, rates range from $30 to $277 monthly depending on your unique driver profile and coverage choice.
What factors affect Hawaii car insurance costs?
Driving record, age, vehicle type, and coverage choices impact rates most. DUIs and accidents significantly increase premiums, while good drivers receive lower rates.
Why is Hawaii car insurance affordable?
Hawaii operates a no-fault system requiring $10,000 personal injury protection coverage and uniquely prohibits age, gender and credit scoring in rates, creating more uniform pricing. The state's remote location increases car shipping costs ($1,500 to $2,500 to ship a car) and parts expenses. Despite natural disaster risks including the 2023 Maui wildfires, Hawaii ranks among cheaper states for auto insurance due to regulatory restrictions and limited competition.
How expensive is Hawaii car insurance?
With rankings of fifth for minimum coverage affordability and fourth for full coverage, Hawaii stands out as one of the more budget-friendly destinations for auto insurance across the U.S.
How We Determined Hawaii Car Insurance Costs
We used the following profile and modifications of this profile to determine Hawaii auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Civil Beat. "Push to Increase Auto Insurance Coverage Could Raise Costs for Hawaii Consumers." Accessed November 18, 2025.
- Federal Register. "Hawaii Major Disaster and Related Determinations." Accessed November 18, 2025.
- Hawaii Department of Health. "Natural Disasters and Disease Threats." Accessed November 18, 2025.
- Hawaii Department of Commerce and Consumer Affairs. "Motor Vehicle Insurance." Accessed November 18, 2025.
- U.S. Fire Administration. "Preliminary After Action Report: 2023 Maui Wildfire." Accessed November 18, 2025.