How Much Is Car Insurance in Hawaii? (July 2024)

Hawaii drivers pay about $852 per year for full coverage car insurance, while minimum coverage costs around $367 per year. Rates can change based on age, coverage level, where you live, driving record and credit history. Remember, a clean driving record and good credit can help make your premiums more affordable.

The average annual cost of full coverage car insurance in Hawaii is $852. Understanding average costs helps you assess whether you receive an affordable or expensive quote. Compare car insurance quotes to learn more about your options.

Below are the average costs for auto insurance in Hawaii, showing what you might pay per month and year for minimum or full coverage.

Car insurance in Hawaii is relatively affordable compared to many other states. The average annual premium for minimum coverage is $367 or about $31 monthly. The national average cost of car insurance is higher at $595 per year or $48 per month. For full coverage, the state average annual premium is $852, which is lower than the national average of $1,296

Several factors influence insurance rates, such as accident, theft, natural disasters and health care and auto repair costs. Hawaii's lower insurance rates stem from its less congested roads, strict regulations on insurance companies and fewer claims related to extreme weather.

Car insurance premiums vary significantly between companies, even in the same state. In Hawaii, GEICO offers the most affordable full coverage at an annual rate of $601, while Progressive has the most expensive policy at around $1,095 per year.

Compare quotes from different providers to find the cheapest car insurance in Hawaii and save money.

The level of coverage selected also determines the cost of car insurance in Hawaii. The average monthly cost for minimum coverage is $31. Full coverage car insurance with a $1,000 deductible costs about $71 per month. Despite the higher price, full coverage is recommended due to its comprehensive protection.

Adding comprehensive and collision coverages increases your premium, but you can offset this cost by selecting higher deductibles. The deductible represents the amount you pay out of pocket for each claim.

Hawaii's minimum car insurance requirements include $20,000 for bodily injury liability per person, $40,000 for bodily injury liability per accident, $10,000 for property damage liability per accident and $10,000 for personal injury protection (PIP) per person. Uninsured/underinsured coverage is not required.

Younger drivers typically face higher premiums due to less driving experience. However, in Hawaii, age doesn't affect the cost of car insurance, with drivers from all age groups paying an average annual premium of $852 or $71 per month. This is an exception to the norm.

Age and gender are significant factors in Hawaii's car insurance rates. A 16-year-old male driver added to a family policy faces an average annual cost of $1,040, typically the highest premium across all age groups.

Teens under 18 must have a parent or guardian co-sign to obtain car insurance legally. Choosing an individual policy increases the annual premium of 16-year-old males to around $1,316.

Full coverage car insurance for a 2012 model costs an average of $805 annually, compared to $961 for a 2022 model. Newer models have higher premiums due to their higher actual cash value and increased risk of costly repairs or theft.

Consider adding comprehensive and collision coverages for newer models to protect against damage and loss, protecting your investment beyond minimum coverage.

The average cost of car insurance in Hawaii varies significantly depending on a driver's record.

• With a ticket: $1,018 per year; $85 per month
• With an at-fault accident: $1,239 per year; $103 per month
• With a DUI: $3,240 per year; $270 per month

More severe violations often mean higher insurance costs. If you have a violation on your record, it will continue to affect how much you pay. How long a violation stays on your record differs in each state. In Hawaii, a DUI can remain on your driving record for up to 10 years, potentially impacting your car insurance premiums for a decade.

Check out the table below for the average insurance costs in Hawaii based on various driving records, coverages and age groups.

Explore the key factors shaping your car insurance rates in Hawaii, impacting your premiums and the coverage you might need.

• Driving Record: A clean driving record can lead to more affordable car insurance rates, while infractions like speeding tickets or DUIs may result in higher premiums.

• Age and Experience: Young and inexperienced drivers often face higher car insurance costs due to their increased risk of accidents, while older, seasoned drivers tend to benefit from lower rates.

• Type of Vehicle: High-value cars, sports cars or models prone to theft can cost more to insure. Safety features and vehicle age also play a role in determining your rate.

• Coverage Level: Opting for state minimum coverage will generally be cheaper than choosing a plan with higher protection levels, such as comprehensive insurance or collision insurance.

• Credit Score: Hawaii is one of a few states where insurers cannot use credit score as a factor when determining car insurance rates.

• Location: Rates can fluctuate based on your location in Hawaii. Urban areas sometimes face higher insurance costs due to increased risks of theft, vandalism and accidents.

• Discount Eligibility: Discounts for multiple vehicles, good students or affiliation with specific organizations can reduce your car insurance premium in Hawaii.

Remember, a personalized quote will give you the most accurate rate for car insurance in Hawaii.

To secure affordable car insurance in Hawaii, compare rates, raise your deductible and use all applicable discounts to reduce your premium while maintaining essential coverage.

Get answers about what affects Hawaii's average car insurance cost and how to find affordable rates.