How Much Is Car Insurance in Hawaii? Rates by Coverage Level, Age, Driving History and Location

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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To determine how much full coverage car insurance costs in Hawaii for different drivers, MoneyGeek based the calculations on one sample driver and broke down the average cost by adding different variables to compare.

The average annual premium in Hawaii is $1,066 for a 40-year-old driver with a clean record. This includes a full coverage insurance policy. On the other hand, for drivers who prioritize cost, an affordable policy with basic liability-only coverage averages $544 per year.

Average Cost of Car Insurance in Hawaii: Summary

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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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

Minimum vs. Full Coverage Car Insurance Costs 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

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.

Methodology

In collaboration with Quadrant Information Services, MoneyGeek collected data on car insurance quotes from several companies in Hawaii.

To conduct our analysis of these rates, we used one sample driver — a 40-year-old with a clean record getting full coverage — as the basis before adding other variables like coverage levels, driving violations and location. See a full disclosure of other factors we take into account in our analysis on the methodology page.

For a more comprehensive report, MoneyGeek also gathered information on Hawaii traffic density, driver insurance, urban population share and vehicle theft rate:

  • Highway traffic density was calculated with 2019 data from the Federal Highway Administration
  • Data on uninsured motorists were drawn from 2019 data from the Insurance Research Council
  • Urban share of the population was calculated using the latest data from the U.S. Census Bureau
  • Data on motor vehicle theft rate was drawn from the FBI Crime in the United States Report for 2019

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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