Updated: June 15, 2026
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Hawaii car insurance costs $34 per month for minimum coverage and $82 per month for full coverage. Hawaii is in the top five of cheapest states in the U.S. for car insurance. Hawaii's low average cost of car insurance is due to its smaller driving population, lower highway speeds and mandatory no-fault PIP requirement.
Your rate might be more or less than the average depending on where you live, your driving record and which company you choose.
Minimum Coverage | $34 | $60 | $404 | $726 |
Full Coverage | $82 | $124 | $983 | $1,493 |
Hawaii car insurance ranges from $34 a month for state minimum liability to $111 a month for minimum liability with a $0 deductible on comprehensive and collision. The standard full coverage benchmark (100/300/100 liability limits with a $1,000 deductible) averages $84 a month.
Although minimum liability comes with a cheaper premium, experts recommend getting full coverage in most cases to avoid paying thousands out of pocket to repair your vehicle in an accident.
Minimum Liability Only | $34 | $414 |
Min. liab. + comp/coll ($1,000 ded.) | $44 | $532 |
Min. liab. + comp/coll ($2,000 ded.) | $65 | $777 |
100/300/100 liability + comp/coll ($1,000 ded.) | $84 | $1,009 |
50/100/50 liability + comp/coll ($500 ded.) | $87 | $1,046 |
Min. liab. + comp/coll ($250 ded.) | $87 | $1,044 |
300/500/300 liability + comp/coll ($1,500 ded.) | $89 | $1,063 |
Min. liab. + comp/coll ($0 ded.) | $111 | $1,327 |
Kahului has the cheapest average cost of car insurance in Hawaii at $79 per month. The most expensive city average is Kailua at $91 per month. Kailua's higher rate reflects its higher vehicle theft rates and greater accident frequency compared to other parts of the state. Kahului, on Maui, sees lower traffic density and fewer theft claims.
That's only a $12 spread across Hawaii's cities. If your quote is above $91 per month for full coverage with a clean record, the company you're with (not your city) is the variable to address.
Kailua | $91 | $39 |
Hilo | $87 | $35 |
Honolulu | $85 | $36 |
Waipahu | $83 | $34 |
Kaneohe | $82 | $33 |
Mililani Town | $82 | $33 |
Pearl City | $82 | $33 |
Kahului | $79 | $32 |
Adding a teen driver to a family policy costs $122 per month ($1,458 per year) in Hawaii from ages 16 through 20. Rates drop $2 per month to $120 at age 21 and hold flat through age 25. Hawaii bans gender as a rating factor, so male and female drivers pay the same rate at every age — one of a small number of states with this protection. For rates specific to younger drivers, see 16-year-old car insurance costs, 17-year-old car insurance costs and 18-year-old car insurance costs.
A 40-year-old clean-record driver pays $84 per month for full coverage. Use our free calculator to estimate your Hawaii car insurance cost based on your unique driver profile.
16 | $122 | $1,458 |
17 | $122 | $1,458 |
18 | $122 | $1,458 |
19 | $122 | $1,458 |
20 | $122 | $1,458 |
21 | $120 | $1,435 |
22 | $120 | $1,435 |
23 | $120 | $1,435 |
24 | $120 | $1,435 |
25 | $120 | $1,435 |
A not-at-fault accident doesn't raise rates in Hawaii; the monthly cost stays at $84, the same as a clean record. That $0 increase is a state-specific protection: in many other states, not-at-fault accidents still raise premiums.
A speeding ticket in Hawaii raises full coverage to $98 per month, adding $163 per year. An at-fault accident raises rates to $117 per month ($397 more per year than a clean record). A DUI raises monthly premiums to $287, that's $2,441 more per year than the $84 clean-record rate.
Violations affect rates for three to five years in Hawaii, though the timeframe varies by violation type. Drivers with serious violations may need to file an SR-22 form to maintain their driving privileges. Re-shopping at the three-year mark after a violation captures savings before your current insurer offers them automatically.
If your insurer drops you after one or more violations, review high-risk car insurance in Hawaii for available options.
Clean Record | $84 | $1,009 | — |
Accident (not at fault) | $84 | $1,009 | 0% |
Speeding | $98 | $1,172 | 17% |
Texting While Driving | $98 | $1,172 | 17% |
Accident (at fault) | $117 | $1,406 | 39% |
DUI | $287 | $3,450 | 242% |
Hawaii law bars insurers from using credit scores to set car insurance rates. California and Massachusetts have the same prohibition. In most other states, poor credit can more than double full coverage costs. Banning credit-based insurance pricing is one of the reasons why car insurance in Hawaii costs less than elswhere in the U.S.
The vehicle you drive and the company you choose are the single biggest factors in your Hawaii car insurance rate. See how rates break down by vehicle for a full comparison.
Geographic isolation amplifies the EV cost gap in Hawaii: parts for electric vehicles must be shipped from the mainland, adding to the 15–25% repair markup that applies to all vehicles in the state. Full coverage for a Tesla Model Y costs $141 per month in Hawaii; by contrast, the Ford F-150 costs $95 — a $46 monthly difference, or $559 per year. The two Teslas in the table cost more than every gas and hybrid vehicle. The Tesla Model 3 runs $123 per month and the Model Y runs $141. The Toyota Prius, the only hybrid in the table, costs $105 per month.
$42 | $503 | $95 | $1,134 | |
$44 | $522 | $98 | $1,173 | |
$45 | $538 | $101 | $1,207 | |
$47 | $560 | $105 | $1,259 | |
$47 | $560 | $105 | $1,260 | |
$49 | $587 | $110 | $1,317 | |
$54 | $651 | $123 | $1,473 | |
$62 | $748 | $141 | $1,693 | |
The company you choose and the vehicle you drive each move your Hawaii rate by $46 per month. Hawaii bans credit scoring, age and gender as rating factors, removing some of the largest cost variables drivers face in most other states.
The right way to compare rates in Hawaii is finding the lowest price from a company that will pay your claim. Your driver profile — record, age, vehicle and location — determines which company that is, and no single carrier leads for every profile. Quote at least three companies before deciding. See the cheapest car insurance in Hawaii for ranked options by driver type.
Full coverage in Hawaii ranges from $66 per month with GEICO to $112 with Progressive — a $552 annual difference that makes comparing quotes worth the time.
$24 | $66 | $292 | $787 | |
$35 | $72 | $424 | $866 | |
Island Insurance | $33 | $80 | $397 | $966 |
$37 | $87 | $449 | $1,043 | |
$41 | $104 | $494 | $1,244 | |
$47 | $112 | $559 | $1,341 |
Hawaii car insurance averages $34 per month for minimum coverage and $84 per month for standard full coverage (100/300/100 with a $1,000 deductible) for a 40-year-old driver with a clean record. Rates vary by driving record, age and coverage level.
Hawaii is actually one of the cheapest states for car insurance. With a relatively small driving population, fewer driving lengths and lower highway speeds, Hawaii is able to keep premiums low. This helps to offset the more expensive cost to transport parts from mainland U.S. for repairs. Hawaii's uninsured driver rate of 9% is below the national average of 13%, which also limits the uninsured motorist premium impact.
No. Hawaii law prohibits insurers from using credit scores to set auto insurance rates. Hawaii drivers pay the same rate regardless of credit history.
We used this profile to determine auto insurance costs across all available ZIP codes and cities in Hawaii:
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
