Discover essential tips to help you shop for car insurance with confidence and save money in paradise.
Car Insurance Calculator Hawaii
Updated: May 21, 2025
Advertising & Editorial Disclosure
Get Hawaii Car Insurance Estimates
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
$155
High
$114
Average
$64
Low
Rates updated:
Jun 09, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Key Takeaways
Insurers in Hawaii will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Hawaii can range anywhere from $386 to $1,049 per year depending on a variety of factors.
To get the best deal on Hawaii car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Hawaii Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
To prevent being pressured into purchasing more coverage than necessary, determine your coverage needs before shopping. Consider your living area, driving habits, vehicle and financial situation to decide costs. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Investigate the average car insurance costs in Hawaii for your chosen coverage level and driver profile. This helps you understand your savings when comparing quotes. Look for discounts you qualify for to explore personal savings opportunities.
Research the Cheapest Providers for You
With your coverage needs and cost research in hand, begin obtaining provider estimates before requesting quotes. This approach helps identify where to start comparing quotes and which provider is likely to offer the cheapest car insurance in Hawaii for you. Use our car insurance calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing several providers can result in significant savings in Hawaii. Our research indicates potential savings of up to 54% on full coverage and 57% on minimum coverage. Use various avenues like comparison sites, independent brokers, insurer websites and direct agencies, as prices differ for the same coverage.
Take Advantage of Hawaii-Specific Programs
If you're a high-risk driver, Hawaii provides a Driver Education Program that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for those who drive less. Telematics insurance, which tracks driving habits, can offer discounts up to 40% based on the provider. Automakers' insurance programs may also provide savings and additional benefits compared to traditional options.
What Affects Your Hawaii Car Insurance Estimates?
Your car insurance premium in Hawaii is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. Click on the links below to learn more about how each affects rates for Hawaii drivers:
How Much Does Provider Chosen Affect Hawaii Car Insurance Estimates?
The provider you choose is the most influential factor affecting car insurance estimates and quotes in Hawaii. Depending on the provider, your rates can drop 25% or increase by as much as 28% compared to the average for drivers in the Aloha State.
| Lowest | GEICO | $56 | $669 |
| Highest | Allstate | $95 | $1,135 |
How Much Does Age Affect Hawaii Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Hawaii drivers. Depending on your age, your rates can go up as much as 46% or decrease by as much as 22% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 40 | $74 | $890 |
| Lowest | 65 | $74 | $890 |
| Highest | 16 | $104 | $1,245 |
How Much Does Coverage Affect Hawaii Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Hawaii, causing rates to vary anywhere from $386 per year for minimum coverage to $1,049 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $32 | $386 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $87 | $1,049 |
How Much Does Driving Record Affect Hawaii Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Hawaii with rates changing up to 104.74%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $74 | $890 |
| Highest | DUI - BAC >= .08 | $284 | $3,413 |
Hawaii Car Insurance Calculator: Bottom Line
We recommend you look into costs, coverage choices and insurers before using our car insurance calculator for estimates. After that, gather many quotes and compare them to our estimates — match them closely to find the best, affordable deal for you.
Hawaii Car Insurance Estimate: FAQ
Below you will find answers to common questions about Hawaii car insurance costs and estimates.
What is used to determine Hawaii car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Hawaii car insurance on average?
In Hawaii, car insurance costs average from $30 per month to up to $205 monthly.
How do I get the best car insurance in Hawaii?
To secure the best car insurance in Hawaii, assess your coverage needs, compare costs and providers, and use online tools to find suitable options.
Our Hawaii Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.