Hawaii Car Insurance Calculators: Get Instant Estimates

• Rate data from Quadrant Information Services: sourced directly from insurer filings, not crowd-sourced estimates
• ZIP-code level accuracy: the calculator builds your estimate from rates in your area across the Hawaiian Islands
• Written and reviewed by licensed insurance professionals: MoneyGeek's analysts hold active P&C licenses and review all rate data before publication
• No insurer influences our findings: no insurance company pays to appear in our results or shape our recommendations

GEICO prices minimum coverage at $24 a month in Hawaii. Progressive prices the same coverage for the same driver at $47 a month. That's $23 a month apart, or $276 a year, for identical protection. Drivers who never re-shop pay that gap every year without getting anything extra for it.

Most comparison websites don't list every company that writes in Hawaii. Start with MoneyGeek's cheapest car insurance in Hawaii to see the full rate set. Staying with a more expensive insurer for the same coverage costs Hawaii drivers up to $276 a year.

Honolulu and Hilo both price minimum coverage at $38 a month. There is no city gap. In most states, urban ZIP codes carry a large premium over rural ones because of higher accident frequency and theft rates. Hawaii's no-fault PIP system and statewide repair cost inflation flatten that variation here.

Where your car is parked overnight still determines the ZIP code used to calculate your rate. If you're moving between islands or registering a second vehicle at a different address, get quotes for both locations. The island you register on may matter more than the city.

Young drivers in Hawaii pay $93 a month for full coverage versus $86 for adults, a 1.08x multiplier. Most states charge young drivers two times or more the adult rate. Hawaii's no-fault PIP structure absorbs the injury-cost exposure that makes young drivers expensive elsewhere. The gap is smaller here than almost anywhere on the mainland.

The carrier spread matters more than the age gap here. 

Among young drivers, GEICO prices full coverage at $70 a month and Progressive at $140 a month, a $70 a month difference, or $840 a year. Get new quotes now. A new insurer puts more money back in a young Hawaii driver's pocket than an extra year of age ever will.

Hawaii prohibits insurance companies from using your credit score to set your rate. That ban removes a factor that moves premiums by hundreds of dollars in most states. The replacement lever is how you drive and how much. Telematics programs track behavior and mileage and adjust your rate accordingly.

If you drive fewer than 10,000 miles a year, ask every insurer about pay-per-mile or telematics programs. Commutes across the Hawaiian Islands are short compared to mainland metros, which makes low-mileage pricing worth asking about. Each insurer structures discounts differently, so compare before you commit.

An at-fault accident adds $36 a month in Hawaii, bringing full coverage from $86 to $122, or $432 more a year. A DUI adds $220 a month, bringing it to $306 and costing $2,640 more annually. If you get a DUI, per HRS §287-20, Hawaii requires you to file an SR-22 from the date of conviction.

Most drivers assume the rate penalty lasts as long as the SR-22. In Hawaii, the violation may age off your record before the SR-22 expires, creating two re-shop windows. Get new quotes at the first one. Waiting for the second costs a year of savings.

Minimum coverage in Hawaii costs $36 a month. Full coverage costs $86 a month. That's $50 a month less, or $600 a year. Per the Hawaii DCCA, Hawaii's minimums as of January 1, 2026 are $40,000 per person and $80,000 per accident for bodily injury, $20,000 for property damage, and $10,000 in PIP.

Those limits leave real exposure. A two-vehicle accident in Honolulu with serious injuries can exceed $40,000 per person; every dollar above your limit is personal debt. Minimum coverage also drops collision and comprehensive. For drivers with assets or a financed vehicle, $600 in annual savings rarely covers the risk.

The standard advice is to drop comprehensive on older cars when the premium exceeds what you'd collect. In Hawaii, check one more thing first. FEMA declared a major disaster in April 2026 after Kona Low flooding hit Honolulu, Maui, and Hawaii counties. The Kilauea eruption in 2018 caused direct vehicle damage on the Big Island.

Comprehensive pays for flood and volcanic damage. Collision doesn't. Per the Hawaii Insurance Division, compare your annual comprehensive premium against your car's current value, then factor in your island's exposure. If your lender requires full coverage, that decision is already made.

Uninsured motorist coverage is optional in Hawaii, but the offer isn't something you can ignore. Per HRS §431:10C-301, Hawaii insurers must offer you uninsured and underinsured motorist coverage when you first buy a policy. You can decline it, but only in writing. That written rejection is treated as your standing decision on all future renewals with that company. 

The Insurance Research Council estimates that roughly 11% of Hawaii drivers carry no insurance. UM/UIM coverage pays your medical bills and repair costs when the driver who hits you has no insurance or not enough to cover the damage. The premium is low relative to the protection. If you declined it at a prior renewal without realizing it would carry forward permanently, contact your insurer to confirm your current election.

The recommended coverage amounts are higher than Hawaii's legal minimums because the minimums aren't enough for a real crash. Hawaii's 40/80/20 limits are the floor, not the recommendation. A multi-vehicle accident with serious injuries can exceed $40,000 per person in medical costs alone. 

The $10,000 PIP limit pays your own injuries up to that amount regardless of fault, but your liability coverage pays the other parties when you're at fault, and 40/80 leaves a real gap in a serious crash. Drivers with financed vehicles have no choice: lenders require full coverage including collision and comprehensive with low deductibles until the loan is paid off.

Hawaii is a no-fault state, but that doesn't mean you're insulated from lawsuits. No-fault in Hawaii means your own PIP coverage pays your medical bills up to $10,000 after a crash, regardless of who caused it. It does not mean you can't be sued. Per HRS §431:10C-306, Hawaii law limits tort liability for minor injuries, but if the injured person's medical costs exceed $5,000, or if the injury is serious or permanent, they can sue you directly. 

If you cause a crash that generates damages above your liability limits, you're personally responsible for every dollar above your policy ceiling. Drivers with a savings account, home equity, or investments should carry at least $100,000/$300,000 in bodily injury liability to protect what they've built.

Bodily injury liability covers medical bills, lost wages, and legal costs of people you injure when you're at fault. Per the Hawaii Department of Commerce and Consumer Affairs, Hawaii's minimum is $40,000 per person and $80,000 per accident, effective January 1, 2026.

A single serious accident with hospitalization can exceed the $40,000 per-person limit. Every dollar above your limit is yours to pay. Drivers with a home or retirement savings should carry at least $100,000 per person to protect what they'd lose in a judgment.

Property damage liability covers damage you cause to other people's vehicles and property when you're at fault. Per the Hawaii DCCA, Hawaii's minimum is $20,000 per accident, effective January 1, 2026. A newer vehicle or a crash involving multiple cars can exceed this limit. Every dollar above your limit is personal debt.

Uninsured and underinsured motorist coverage pays your medical bills and repair costs when the driver who hit you has no insurance or not enough to cover the damage. Per HRS §431:10C-301, Hawaii insurers must offer this coverage on every policy, but you can reject it in writing.

The Insurance Research Council estimates approximately 11% of Hawaii drivers are uninsured. If an uninsured driver causes a serious crash, your own UM coverage is what pays your bills. The minimum UM offer in Hawaii is $20,000 per person.

Collision pays for damage to your own car from a crash, regardless of fault. Comprehensive covers everything collision doesn't: theft, weather damage, flooding, and fire. In Hawaii, comprehensive is what pays for damage from the April 2026 Kona Low flooding, volcanic debris on the Big Island, and tropical storm damage.

FEMA has issued multiple major disaster declarations for Hawaii covering both flood and volcanic events. If your car is older, compare the annual comprehensive premium against its current market value, then factor in your island's documented exposure before dropping the coverage.

Gap insurance pays the difference between what your car is worth and what you still owe on the loan if it's totaled. Cars depreciate faster than loans pay down, especially in the first two years. Without gap coverage, a totaled car can leave you owing thousands with no vehicle to show for it.

If your car is totaled and your insurance payout is less than your remaining loan balance, gap insurance covers the difference. It's worth carrying for the first two to three years of a new car loan, when the gap between market value and loan balance is largest.

An SR-22 is a form your insurance company files with the state to confirm you have active coverage. It's not a type of insurance; it's a certificate that proves coverage exists. Per HRS §287-20, a DUI conviction in Hawaii requires you to file an SR-22. Other triggers include reckless driving and driving while suspended.

If your SR-22 lapses, meaning your coverage gets cancelled or you switch insurers without maintaining continuous coverage, your insurer notifies the state immediately and your license is suspended until you restore compliant coverage. The administrative fee to file an SR-22 is usually $15 to $25.