How Much Is Car Insurance in Hawaii? (2023)

Various factors can influence the cost of your car insurance, including the level of coverage, insurer, age and more. In Hawaii, the cost of full coverage car insurance can vary from $565 annually with GEICO to $1,243 per year with Progressive. Younger drivers in their 20s pay the same as older drivers in their 60s.

While credit score plays a significant role in determining premiums in many states, Hawaii prohibits its use in pricing.

Although the average car insurance cost in Hawaii is $797 per year, actual rates differ depending on the desired level of coverage and driving history. Hawaii drivers can expect to pay the following average costs:

• Clean record: $797 per year
• Speeding ticket: $979 per year
• Accident: $1,187 per year
• DUI: $3,143 per year

These rates refer to full coverage insurance policies. The premiums for minimum coverage insurance might be lower.

In Hawaii, full coverage car insurance costs around $797 annually on average, which is $257 less than the national average of $1,054 per year. It’s the eighth-cheapest state in the country. This could be attributed to various factors like lower traffic and urban population density, affordable insurance providers and lower vehicle theft rates.

If you find Hawaii car insurance rates to be expensive, it could be due to factors such as age or driving history. These can elevate the perceived risk for insurers, leading to higher premiums.

The average cost of car insurance in Hawaii can be misleading since rates can differ significantly by provider. GEICO offers the cheapest liability-only insurance at $217 per year ($565 for full coverage), while Progressive is the most expensive at $621 per year for minimum coverage ($1,243 for full coverage).

Even though cheap full coverage insurance policies are typically more expensive than minimum coverage plans, you can still find the most affordable auto insurance in Hawaii by comparing rates.

Car insurance rates in Hawaii range from $341 per year for minimum coverage to $915 per year for maximum coverage, with costs increasing as liability limits are raised. Adding comprehensive and collision insurance (full coverage) typically results in a several hundred dollar increase in yearly premiums. Opting for a higher deductible can lower your monthly premiums for full coverage, but it also means that you need to pay larger out-of-pocket expenses in the event of a claim.

Purchasing a minimum auto insurance coverage policy in Hawaii is the most affordable option. It has low liability limits and does not include comprehensive and collision coverage.

Many insurers provide options for higher liability limits, including a maximum liability option of 300/500/300. Limits of 100/300/100 refer to:

• $100,000 in bodily injury liability insurance per person
• $300,000 in bodily injury liability insurance per accident
• $100,000 in property damage liability insurance per accident

In Hawaii, the requirement for personal injury protection can contribute to the higher cost of minimum coverage policies compared to other states.

Full coverage auto insurance can provide additional protection for your vehicle. A full coverage policy also includes comprehensive and collision insurance, which covers the cost of damages to you and your vehicle.

The driver's age is a factor that impacts how much car insurance costs, particularly car insurance for new drivers or young drivers. However, this is not the case in Hawaii. On average, Hawaii drivers in their 20s to 60s pay around $797 annually.

Car insurance premiums typically tend to be higher for drivers in their 20s due to higher perceived risk. However, rates for drivers aged 30 to 59 are usually stable and do not change much until they reach 60 years old.

Due to their lack of experience on the road, car insurance for teen drivers in Hawaii is pricier than for adults. Adding a 16-year-old male under a family plan costs around $1,040 per year for full coverage, whereas an individual plan can cost as much as $1,316. Keep in mind anyone under the age of 18 might not be able to get coverage without a parent’s approval.

Rates are also dependent on age, with a 19-year-old male paying the same rate of $1,040 per year on a family policy and a 22-year-old male paying $1,023.

Notably, Hawaii prohibits sex-based premium calculations, so they might pay less for coverage than males in other states. It is recommended to compare rates to find the cheapest auto insurance in Hawaii for teen drivers.

Insuring a new car in Hawaii is typically more expensive than insuring an older vehicle, with an increase of 19% from $805 to $961 per year on average. This is because new cars have a higher actual cash value (ACV), leading to higher insurance payouts in the event of an accident. Repairing newer cars is often more expensive, and they are at a higher risk of theft. Older cars have lower ACVs, resulting in lower insurance rates.

Drivers of new cars with high ACVs may benefit from full coverage insurance that covers the cost of damage to their car.

Having violations on your driving record can significantly impact the cost of car insurance in Hawaii. Below are the average rates per violation:

• Clean record: $797 per year
• Speeding ticket: $979 per year
• Accident: $1,187 per year
• DUI: $3,143 per year

The severity of a driving violation may correlate with a more substantial increase in insurance rates. It's important to note that different insurers may have different policies regarding how much to charge drivers with poor records. Comparing rates from multiple insurers can assist you in finding the cheapest auto insurance in Hawaii with a poor driving record.

Where you reside can affect the average car insurance cost in Hawaii. According to our research, Honolulu has an annual full coverage auto insurance cost of $869, which is $72 more expensive than the state's average rate of $797 per year.

The higher rates in Honolulu might be attributed to its higher population density. When shopping for car insurance, it is essential to consider your location.

Your auto insurance premiums may differ based on several factors, including your driving record, age and location. We answered some commonly asked questions about car insurance rates in Hawaii.