How Much Is Car Insurance in Hawaii? (2022 Averages)

The average car insurance cost in Hawaii is one of the cheapest in the nation at $1,066 per year — much less expensive than the national average of $1,424. This is based on a 40-year-old’s sample profile for policies from many companies. Rates change if we factor in driving history, coverage level, location, age and other factors.

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Last Updated: 11/21/2022
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The price of your car insurance in Hawaii depends on several factors, such as the coverage amount and your driving background. The average cost of car insurance in Hawaii is $1,066 per year, but a minimum coverage policy only costs $544 per year. Adding a young driver to your policy or incurring a driving violation will increase the cost of your insurance to $995 and 1,253 per year, respectively.

Your car insurance company also impacts the cost of your premium. A full coverage policy from GEICO only costs $646 per year, while the same policy from Progressive costs $1,457 per year. Since car insurance rates vary by company, drivers should research and compare different providers to find the best fit for their needs.

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Methodology

Why Trust MoneyGeek? Hawaii car insurance rates in this study are based on our analysis of data and information from the Hawaii Department of Insurance and Quadrant Information Services.

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These rates were updated in September 2022 to reflect how car insurance rates in Hawaii have changed up to this month.

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The Average Cost of Car Insurance in Hawaii

Various factors affect car insurance rates differently from state to state. The coverage level is the factor that influences the average car insurance cost in Hawaii the most. Get better deals by comparing rates and selecting a policy that matches the coverage you need for your vehicle. Find out more about the average cost based on different factors.

Average Costs of Car Insurance in Hawaii

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  • Driver
    Average Annual Premium
    Average Monthly Premium
  • The Average Driver
    $1,066
    $89
  • Drivers Buying Minimum Coverage
    $544
    $45
  • Adding a Young Driver
    $995
    $83
  • Drivers With a Violation
    $1,253
    $104
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Why Are Car Insurance Rates Cheap in Hawaii?

Different cities within the same state can have different auto insurance regulations, thereby influencing the state’s overall average costs. See how car insurance costs differ by state.

A no-fault policy can cause state average costs to be expensive. Additionally, in Hawaii, there is a high urban population share and rate of vehicle theft. However, regardless of these factors, Hawaii’s car insurance rate is still cheap because there is a low rate of uninsured drivers — state law dictates that all motor vehicles must be registered and insured. Also, natural disasters aren't very common in Hawaii, and this state has no interstate travel, keeping insurance costs low.

Average Cost of Car Insurance in Hawaii: Full Coverage vs. Minimum Coverage

The average car insurance cost in Hawaii for full coverage is $1,066 per year. Should a driver decide that they only need a liability-only policy, the state minimum policy costs an average of $544. Since the coverage level significantly affects rates in the state, there is a wide gap in the costs, averaging about a $522 difference between full coverage and the state minimum. Considering that Hawaii has a high frequency of vandalism and vehicle theft, full coverage may be advisable as it includes comprehensive and collision insurance.

Average Cost of Car Insurance in Hawaii by Coverage Level

Drivers who plan to save the most money on their car insurance may choose to buy a state-minimum policy in Hawaii.

For an added cost, you can increase your liability insurance to 50/100/50 or 100/300/100. For a 50/100/50 coverage, a driver can have the following:

  • $50,000 in bodily injury liability insurance per person
  • $100,000 in bodily injury liability insurance per accident
  • $50,000 in property damage liability insurance per accident

Those looking for more protection can opt for a full coverage policy. This policy includes comprehensive and collision insurance, as well as damages to your vehicle.

Average Cost of Car Insurance in Hawaii By Company

Inquiring from at least three or four car insurance providers gives you an idea about which companies will give you better deals. In Hawaii, GEICO offers cheap liability-only coverage and an affordable full coverage policy, with better rates than its competitors for both. The average car insurance cost in Hawaii for a liability-only policy from GEICO is $333, while its full coverage insurance costs an average of $646 per year.

On the other hand, Progressive offers policies with the most expensive average prices. A minimum liability-only policy from Progressive averages $739, while full coverage costs roughly $1,457 per year.

Veterans and military families are eligible to buy insurance from USAA, which has even lower rates for state minimum coverage (GEICO is still the cheapest for full coverage).

Average Annual Costs of Car Insurance in Hawaii - By Company

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How Much Is Car Insurance in Hawaii by Age?

While age is one of the most common factors in calculating car insurance rates in other states, it does not directly affect Hawaii car insurance rates.

Average Costs of Full Coverage Car Insurance in Hawaii - By Age

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How Does Driving History Affect Car Insurance Costs in Hawaii?

A bad driving record in Hawaii can increase insurance costs. Especially in this state where a no-fault policy applies, a history of at-fault accidents can significantly raise your rates. In general, any bad record in your driving history causes an increase in the average cost. A driver with a speeding ticket, for example, will pay $186 more per year on average than a driver with a clean record.

Average Costs of Full Coverage Car Insurance in Hawaii - By Driving History

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  • Driving Violation
    Annual Premium
  • Safe Driver
    $1,066
  • Speeding Ticket
    $1,253
  • At-Fault Accident
    $1,515
  • DUI
    $3,346
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Credit Scores and the Cost of Car Insurance in Hawaii

In most states, your credit score is one of the most important factors affecting auto coverage rates. Hawaii is one of just a few states where insurers cannot consider credit scores when calculating car insurance premiums.

How Much Is Car Insurance in Your City?

MoneyGeek’s analysis on Hawaii car insurance rates was based on the city of Honolulu. Honolulu has a high urban population share — in other words, there are more people living in cities here than in many other states. Densely populated cities are more likely to have frequent road accidents and vehicle thefts, resulting in a more expensive car insurance policy.

Average Costs of Full Coverage Car Insurance in Hawaii - By City

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Frequently Asked Questions About Hawaii Car Insurance Rates

The answers to these frequently asked questions about car insurance rates in Hawaii can help you make an informed decision.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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