The Cheapest Car Insurance in Hawaii (January 2023)

According to January 2023 car insurance quotes, GEICO has the most affordable minimum coverage car insurance in Hawaii. The cheapest insurer for you may vary based on your profile, driving history and insurance preferences.

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In Hawaii, GEICO has the most affordable auto insurance policies for most driver profiles. Its rates are the lowest for full coverage, minimum coverage, young adults, seniors, drivers with tickets and sports cars. For teenage drivers and motorists with DUIs or accidents, State Farm offers the cheapest policies. USAA is the cheapest for military families.

If you prefer to balance cost and service quality, we also listed the best car insurance in Hawaii.

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2023

Cheapest Car Insurance Hawaii (January 2023)

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Methodology

Why Trust MoneyGeek? MoneyGeek collected the most recent data from the Hawaii Insurance Division and Quadrant Information Services to determine the state’s cheapest car insurance providers for various driver profiles.

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These rates were updated in January 2023 to reflect the cheapest car insurance quotes in Hawaii up to this month.

5,918

Quotes Analyzed

 
7

Companies Compared

 
20

ZIP Codes

Cheapest Minimum Liability Car Insurance in Hawaii (January 2023)

Based on MoneyGeek’s analysis, these companies offer the most affordable car insurance in Hawaii, on average:

  • GEICO: $217 per year
  • State Farm: $268 per year

You can find the most expensive minimum coverage policies from Progressive at roughly $621 per year.

Minimum coverage car insurance in Hawaii includes bodily injury liability, property damage liability and personal injury protection.

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $217
    $18
  • GEICO
    $217
    $18
  • GEICO
    $217
    $18
  • State Farm
    $268
    $22
  • State Farm
    $268
    $22
  • State Farm
    $268
    $22
  • Island Insurance Group
    $333
    $28
  • Island Insurance Group
    $333
    $28
  • Island Insurance Group
    $333
    $28
  • 21st Century
    $334
    $28
  • 21st Century
    $334
    $28
  • 21st Century
    $334
    $28
  • Allstate
    $406
    $34
  • Allstate
    $406
    $34
  • Allstate
    $406
    $34
  • GEICO
    $565
    $47
  • GEICO
    $565
    $47
  • GEICO
    $565
    $47
  • Progressive
    $621
    $52
  • Progressive
    $621
    $52
  • Progressive
    $621
    $52
  • State Farm
    $624
    $52
  • State Farm
    $624
    $52
  • State Farm
    $624
    $52
  • 21st Century
    $664
    $55
  • 21st Century
    $664
    $55
  • 21st Century
    $664
    $55
  • Island Insurance Group
    $871
    $73
  • Island Insurance Group
    $871
    $73
  • Island Insurance Group
    $871
    $73
  • Allstate
    $927
    $77
  • Allstate
    $927
    $77
  • Allstate
    $927
    $77
  • Progressive
    $1,243
    $104
  • Progressive
    $1,243
    $104
  • Progressive
    $1,243
    $104

A minimum coverage car insurance policy will only pay for damages you cause other people. It won’t reimburse your repair or replacement costs for your own car. Full coverage car insurance, also known as comprehensive and collision insurance, provides broader protection and extends its coverage to your own vehicle.

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Cheapest Full Coverage Car Insurance in Hawaii (January 2023)

MoneyGeek’s research indicates that these providers have Hawaii’s cheapest full coverage car insurance:

  • GEICO: $565 per year
  • State Farm: $624 per year

Progressive’s full coverage policy is the most expensive in Hawaii at approximately $1,243 per year.

Your auto insurance premiums will increase by having comprehensive and collision coverage. You’ll pay $348 more if you choose GEICO’s full coverage option over its minimum coverage package. Despite its higher cost, a full coverage policy provides more protection as it covers on and off-road damages. It protects you from damages due to hit-and-run, floods, vandalism and more.

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $217
    $18
  • GEICO
    $217
    $18
  • GEICO
    $217
    $18
  • State Farm
    $268
    $22
  • State Farm
    $268
    $22
  • State Farm
    $268
    $22
  • Island Insurance Group
    $333
    $28
  • Island Insurance Group
    $333
    $28
  • Island Insurance Group
    $333
    $28
  • 21st Century
    $334
    $28
  • 21st Century
    $334
    $28
  • 21st Century
    $334
    $28
  • Allstate
    $406
    $34
  • Allstate
    $406
    $34
  • Allstate
    $406
    $34
  • GEICO
    $565
    $47
  • GEICO
    $565
    $47
  • GEICO
    $565
    $47
  • Progressive
    $621
    $52
  • Progressive
    $621
    $52
  • Progressive
    $621
    $52
  • State Farm
    $624
    $52
  • State Farm
    $624
    $52
  • State Farm
    $624
    $52
  • 21st Century
    $664
    $55
  • 21st Century
    $664
    $55
  • 21st Century
    $664
    $55
  • Island Insurance Group
    $871
    $73
  • Island Insurance Group
    $871
    $73
  • Island Insurance Group
    $871
    $73
  • Allstate
    $927
    $77
  • Allstate
    $927
    $77
  • Allstate
    $927
    $77
  • Progressive
    $1,243
    $104
  • Progressive
    $1,243
    $104
  • Progressive
    $1,243
    $104

Your insurance costs are impacted by how much insurance you need. We used these limits for our sample full coverage policy:

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

To reduce your car insurance premiums, you can:

  • lower your liability limits
  • remove comprehensive and collision coverage
  • increase your deductible

However, doing these things may leave you with inadequate coverage.

How to Compare Cheap Hawaii Car Insurance Quotes Online

You can get quotes online from most auto insurance companies. However, it may take you roughly 15 minutes to get an estimate from each company. Comparing rates may be time-consuming as it requires you to go through the same process multiple times.

With MoneyGeek’s car insurance calculator, you can estimate your car insurance costs quickly without having to obtain quotes from several providers. You can use it as a starting point to find the cheapest auto insurance for your needs.

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Cheapest Car Insurance in Hawaii for Teens and Their Families (January 2023)

On average, these insurers have the lowest car insurance rates in Hawaii for a young driver on their parent’s profile:

  • State Farm: $709 per year for male and female teens
  • GEICO: $735 per year for male and female teens

Car insurance premiums for teens decrease as they age, with the cheapest rates going to 19-year-olds across the state. Hawaii's most affordable provider for 19-year-old males is State Farm ($709 per year).

At around $1,569 per year, Progressive offers the least affordable car insurance for teenagers on their parent’s policy. Generally, auto insurance is cheaper when a teen is added to their parent’s policy as opposed to getting their own coverage. In Hawaii, it is roughly $259 cheaper for young male drivers to be included in their parent’s policies compared to purchasing their own insurance.

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  • Company
    Family Plan Annual Premium
    Individual Plan Annual Premium
  • GEICO
    $653
    $653
  • GEICO
    $653
    $653
  • GEICO
    $653
    $653
  • GEICO
    $653
    $653
  • GEICO
    $653
    $653
  • GEICO
    $653
    $653
  • GEICO
    $653
    $653
  • GEICO
    $653
    $653
  • GEICO
    $653
    $653
  • GEICO
    $653
    $653
  • 21st Century
    $687
    $743
  • 21st Century
    $687
    $743
  • 21st Century
    $687
    $743
  • 21st Century
    $687
    $743
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • State Farm
    $709
    $709
  • GEICO
    $735
    $735
  • GEICO
    $735
    $735
  • GEICO
    $735
    $735
  • GEICO
    $735
    $735
  • GEICO
    $735
    $735
  • GEICO
    $735
    $735
  • GEICO
    $735
    $735
  • GEICO
    $735
    $735
  • GEICO
    $735
    $735
  • GEICO
    $735
    $735
  • Allstate
    $806
    $1,098
  • Allstate
    $806
    $1,098
  • Allstate
    $806
    $1,098
  • Allstate
    $806
    $1,098
  • 21st Century
    $832
    $900
  • 21st Century
    $832
    $900
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • 21st Century
    $832
    $743
  • Allstate
    $1,084
    $1,478
  • Allstate
    $1,084
    $1,478
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Allstate
    $1,084
    $1,098
  • Progressive
    $1,482
    $2,270
  • Progressive
    $1,482
    $2,270
  • Progressive
    $1,482
    $2,270
  • Progressive
    $1,482
    $2,270
  • Progressive
    $1,514
    $1,359
  • Progressive
    $1,514
    $1,359
  • Progressive
    $1,514
    $1,359
  • Progressive
    $1,514
    $1,359
  • Progressive
    $1,514
    $1,359
  • Progressive
    $1,514
    $1,359
  • Progressive
    $1,569
    $2,403
  • Progressive
    $1,569
    $2,403
  • Progressive
    $1,569
    $1,408
  • Progressive
    $1,569
    $1,408
  • Progressive
    $1,569
    $1,408
  • Progressive
    $1,569
    $1,408
  • Progressive
    $1,569
    $1,408
  • Progressive
    $1,569
    $1,408
  • Progressive
    $1,569
    $1,408
  • Progressive
    $1,569
    $1,408
tip icon
MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

If your family is insuring a student, check to see if you qualify for discounts that may help lower your premiums. 21st Century and GEICO offer good student discounts. Allstate, Progressive and State Farm offer distant student discounts and good student discounts.

Cheapest Car Insurance in Hawaii for Young Adults (January 2023)

On average, MoneyGeek’s analysis found that these insurers have Hawaii’s lowest rates for drivers in their 20s:

  • GEICO: $565 per year
  • State Farm: $624 per year

Conversely, Progressive’s $1,243 per year is the priciest for young adults in the state. On average, car insurance is more expensive for young adult drivers compared with middle-aged motorists. However, this is not the case in Hawaii.

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $217
    $18
  • GEICO
    $217
    $18
  • GEICO
    $217
    $18
  • State Farm
    $268
    $22
  • State Farm
    $268
    $22
  • State Farm
    $268
    $22
  • Island Insurance Group
    $333
    $28
  • Island Insurance Group
    $333
    $28
  • Island Insurance Group
    $333
    $28
  • 21st Century
    $334
    $28
  • 21st Century
    $334
    $28
  • 21st Century
    $334
    $28
  • Allstate
    $406
    $34
  • Allstate
    $406
    $34
  • Allstate
    $406
    $34
  • GEICO
    $565
    $47
  • GEICO
    $565
    $47
  • GEICO
    $565
    $47
  • Progressive
    $621
    $52
  • Progressive
    $621
    $52
  • Progressive
    $621
    $52
  • State Farm
    $624
    $52
  • State Farm
    $624
    $52
  • State Farm
    $624
    $52
  • 21st Century
    $664
    $55
  • 21st Century
    $664
    $55
  • 21st Century
    $664
    $55
  • Island Insurance Group
    $871
    $73
  • Island Insurance Group
    $871
    $73
  • Island Insurance Group
    $871
    $73
  • Allstate
    $927
    $77
  • Allstate
    $927
    $77
  • Allstate
    $927
    $77
  • Progressive
    $1,243
    $104
  • Progressive
    $1,243
    $104
  • Progressive
    $1,243
    $104

Cheapest Car Insurance in Hawaii for Seniors (January 2023)

MoneyGeek’s research shows that these providers have the cheapest car insurance in Hawaii for senior drivers, on average:

  • GEICO: $565 per year
  • State Farm: $624 per year

Progressive has the most expensive rates for older adults in the state at approximately $1,243 per year. Generally, senior drivers pay less for auto insurance compared with middle-aged drivers. However, your insurance costs will usually go up once you hit your 70s and 80s. That said, this is not the case in Hawaii.

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $217
    $18
  • GEICO
    $217
    $18
  • GEICO
    $217
    $18
  • State Farm
    $268
    $22
  • State Farm
    $268
    $22
  • State Farm
    $268
    $22
  • Island Insurance Group
    $333
    $28
  • Island Insurance Group
    $333
    $28
  • Island Insurance Group
    $333
    $28
  • 21st Century
    $334
    $28
  • 21st Century
    $334
    $28
  • 21st Century
    $334
    $28
  • Allstate
    $406
    $34
  • Allstate
    $406
    $34
  • Allstate
    $406
    $34
  • GEICO
    $565
    $47
  • GEICO
    $565
    $47
  • GEICO
    $565
    $47
  • Progressive
    $621
    $52
  • Progressive
    $621
    $52
  • Progressive
    $621
    $52
  • State Farm
    $624
    $52
  • State Farm
    $624
    $52
  • State Farm
    $624
    $52
  • 21st Century
    $664
    $55
  • 21st Century
    $664
    $55
  • 21st Century
    $664
    $55
  • Island Insurance Group
    $871
    $73
  • Island Insurance Group
    $871
    $73
  • Island Insurance Group
    $871
    $73
  • Allstate
    $927
    $77
  • Allstate
    $927
    $77
  • Allstate
    $927
    $77
  • Progressive
    $1,243
    $104
  • Progressive
    $1,243
    $104
  • Progressive
    $1,243
    $104

Senior drivers might be able to save on their premiums with senior driving discounts. 21st Century, Allstate and GEICO offer discounts for senior drivers in Hawaii. Nonetheless, the best way to know which companies have the lowest rates is to compare offers from multiple insurers.

Cheapest Car Insurance in Hawaii After a Ticket, Accident or DUI (January 2023)

Drivers with violations tend to pay higher insurance premiums because insurers deem them riskier to insure. If you have a speeding ticket, you can get the cheapest car insurance in Hawaii from GEICO. Meanwhile, State Farm has the lowest rates for drivers in the state with DUIs and accidents on their records.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: GEICO ($565 per year)
Cheapest after an accident: State Farm ($756 per year)
Cheapest after a DUI: State Farm ($690 per year)

Cheapest Car Insurance in Hawaii After a Ticket

On average, these insurers have the lowest car insurance prices in Hawaii if you have a speeding ticket:

  • GEICO: $565 per year
  • 21st Century: $664 per year

At approximately $1,697 per year, Progressive has the highest rates in the state for the same driver profile. Auto insurance premiums in Hawaii are around $116 more expensive for drivers with speeding tickets compared with motorists with clean records.

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $217
    $18
  • GEICO
    $217
    $18
  • GEICO
    $217
    $18
  • State Farm
    $297
    $25
  • State Farm
    $297
    $25
  • State Farm
    $297
    $25
  • 21st Century
    $334
    $28
  • 21st Century
    $334
    $28
  • 21st Century
    $334
    $28
  • Island Insurance Group
    $364
    $30
  • Island Insurance Group
    $364
    $30
  • Island Insurance Group
    $364
    $30
  • GEICO
    $565
    $47
  • GEICO
    $565
    $47
  • GEICO
    $565
    $47
  • Allstate
    $590
    $49
  • Allstate
    $590
    $49
  • Allstate
    $590
    $49
  • 21st Century
    $664
    $55
  • 21st Century
    $664
    $55
  • 21st Century
    $664
    $55
  • State Farm
    $690
    $57
  • State Farm
    $690
    $57
  • State Farm
    $690
    $57
  • Progressive
    $786
    $66
  • Progressive
    $786
    $66
  • Progressive
    $786
    $66
  • Island Insurance Group
    $948
    $79
  • Island Insurance Group
    $948
    $79
  • Island Insurance Group
    $948
    $79
  • Allstate
    $1,310
    $109
  • Allstate
    $1,310
    $109
  • Allstate
    $1,310
    $109
  • Progressive
    $1,697
    $141
  • Progressive
    $1,697
    $141
  • Progressive
    $1,697
    $141

Cheapest Car Insurance in Hawaii After an Accident

MoneyGeek’s analysis shows that drivers with at-fault accidents on their records can find the cheapest car insurance in Hawaii from these providers, on average:

  • State Farm: $756 per year
  • GEICO: $861 per year

Conversely, Progressive’s coverage is the most expensive at roughly $1,868 per year. If you have an at-fault accident on your record, you may have to pay around $262 more for car insurance compared with someone with a clean driving history.

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $327
    $27
  • State Farm
    $327
    $27
  • State Farm
    $327
    $27
  • GEICO
    $331
    $28
  • GEICO
    $331
    $28
  • GEICO
    $331
    $28
  • Island Insurance Group
    $448
    $37
  • Island Insurance Group
    $448
    $37
  • Island Insurance Group
    $448
    $37
  • 21st Century
    $498
    $41
  • 21st Century
    $498
    $41
  • 21st Century
    $498
    $41
  • Allstate
    $633
    $53
  • Allstate
    $633
    $53
  • Allstate
    $633
    $53
  • State Farm
    $756
    $63
  • State Farm
    $756
    $63
  • State Farm
    $756
    $63
  • GEICO
    $861
    $72
  • GEICO
    $861
    $72
  • GEICO
    $861
    $72
  • Progressive
    $861
    $72
  • Progressive
    $861
    $72
  • Progressive
    $861
    $72
  • 21st Century
    $1,040
    $87
  • 21st Century
    $1,040
    $87
  • 21st Century
    $1,040
    $87
  • Island Insurance Group
    $1,174
    $98
  • Island Insurance Group
    $1,174
    $98
  • Island Insurance Group
    $1,174
    $98
  • Allstate
    $1,420
    $118
  • Allstate
    $1,420
    $118
  • Allstate
    $1,420
    $118
  • Progressive
    $1,868
    $156
  • Progressive
    $1,868
    $156
  • Progressive
    $1,868
    $156

Cheapest Car Insurance in Hawaii After a DUI

Based on MoneyGeek’s research, drivers with DUIs can find the most affordable car insurance in Hawaii from these companies, on average,

  • State Farm: $690 per year
  • 21st Century: $1,103 per year

Meanwhile, Island Insurance Group has the least affordable rates at approximately $7,694 per year. Our calculations show that having a DUI can result in up to a $1,668 increase in your car insurance rates.

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $297
    $25
  • State Farm
    $297
    $25
  • State Farm
    $297
    $25
  • 21st Century
    $519
    $43
  • 21st Century
    $519
    $43
  • 21st Century
    $519
    $43
  • State Farm
    $690
    $57
  • State Farm
    $690
    $57
  • State Farm
    $690
    $57
  • Progressive
    $937
    $78
  • Progressive
    $937
    $78
  • Progressive
    $937
    $78
  • 21st Century
    $1,103
    $92
  • 21st Century
    $1,103
    $92
  • 21st Century
    $1,103
    $92
  • GEICO
    $1,693
    $141
  • GEICO
    $1,693
    $141
  • GEICO
    $1,693
    $141
  • Allstate
    $1,841
    $153
  • Allstate
    $1,841
    $153
  • Allstate
    $1,841
    $153
  • Progressive
    $2,103
    $175
  • Progressive
    $2,103
    $175
  • Progressive
    $2,103
    $175
  • Allstate
    $2,860
    $238
  • Allstate
    $2,860
    $238
  • Allstate
    $2,860
    $238
  • Island Insurance Group
    $2,938
    $245
  • Island Insurance Group
    $2,938
    $245
  • Island Insurance Group
    $2,938
    $245
  • GEICO
    $4,407
    $367
  • GEICO
    $4,407
    $367
  • GEICO
    $4,407
    $367
  • Island Insurance Group
    $7,694
    $641
  • Island Insurance Group
    $7,694
    $641
  • Island Insurance Group
    $7,694
    $641

Cheapest Car Insurance in Hawaii for Sports Cars (January 2023)

If you’re driving a sports car, you can get the lowest average car insurance rates in Hawaii from these insurers:

  • GEICO: $716 per year
  • 21st Century: $782 per year

Progressive’s $1,496 per year average rate is the most expensive car insurance in the state for sports car drivers. Generally, auto insurance is more expensive if you’re driving a sports car. This is because insurance companies view sports car drivers as riskier to insure. However, in Hawaii, a sports car driver pays roughly $5 less annually than a driver of a Toyota Camry.

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $217
    $18
  • GEICO
    $217
    $18
  • GEICO
    $217
    $18
  • State Farm
    $269
    $22
  • State Farm
    $269
    $22
  • State Farm
    $269
    $22
  • 21st Century
    $342
    $28
  • 21st Century
    $342
    $28
  • 21st Century
    $342
    $28
  • Allstate
    $382
    $32
  • Allstate
    $382
    $32
  • Allstate
    $382
    $32
  • Progressive
    $578
    $48
  • Progressive
    $578
    $48
  • Progressive
    $578
    $48
  • GEICO
    $716
    $60
  • GEICO
    $716
    $60
  • GEICO
    $716
    $60
  • 21st Century
    $782
    $65
  • 21st Century
    $782
    $65
  • 21st Century
    $782
    $65
  • State Farm
    $783
    $65
  • State Farm
    $783
    $65
  • State Farm
    $783
    $65
  • Allstate
    $1,115
    $93
  • Allstate
    $1,115
    $93
  • Allstate
    $1,115
    $93
  • Progressive
    $1,496
    $125
  • Progressive
    $1,496
    $125
  • Progressive
    $1,496
    $125

Our team used a Ford Mustang as the sample sports car in this guide. However, your insurance rates may change significantly depending on your car model. On average, luxury, electric and sports cars have higher insurance costs. That said, this might not be true in your state.

Cheapest Car Insurance in Hawaii for Military Drivers (January 2023)

If you’re a veteran or an active-duty military member, USAA offers the cheapest car insurance in Hawaii. On average, it costs $557 per year, which is slightly more affordable than GEICO’s $565 per year average.

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MoneyGeek Top Pick
USAA
  • $557 per year
  • Ranks first out of seven providers in terms of affordability

USAA offers various discounts that can help you further reduce your auto insurance expenses. You can get a discount if you’ve maintained a good driving record for at least five years. Insuring multiple cars or bundling your renters or home insurance with your auto insurance policy will also result in savings.

Cheapest Car Insurance in Hawaii by City

Your car insurance rate is affected by your location. If you live in a neighborhood with a high incidence of theft, vandalism or accidents, insurance companies will see you as riskier to insure and charge you higher premiums.

MoneyGeek’s research shows that Urban Honolulu offers the cheapest full coverage car insurance in Urban Honolulu, Hawaii, at around $674 per year from GEICO.

Click to learn more about the city’s car insurance rates.

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  • City
    Cheapest Company
    Annual Premium
  • Urban Honolulu
    GEICO
    $674

Car Insurance in Hawaii: What You Need to Know

As in most states, you’re required to get bodily injury liability and property damage liability coverage in Hawaii. But the state also requires you to get personal injury protection, which is not usually required in other states.

Hawaii Car Insurance Requirements

In Hawaii, you’re required to get bodily injury liability, property damage liability and personal injury protection.

Although a minimum coverage policy will save you money monthly, it offers limited financial protection in case of an accident. We recommend that you get as much liability coverage as you can reasonably afford.

Note that the state of Hawaii may require you to increase your coverage and get SR-22 insurance if you have repeated or severe driving violations.

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    Bodily Injury Liability

    Hawaii requires you to purchase liability coverage, which pays for hospital and other expenses if you’ve been found at fault in an accident. As a minimum, you need to get limits of $20,000 per person and $40,000 per accident. However, if your damages exceed those amounts, you’ll pay the remainder out of pocket.

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    Property Damage Liability

    You’re required to buy property damage liability of at least $10,000 in Hawaii. This insurance covers the damage that you cause to another person’s property. It’s a good idea to have enough coverage so that you won’t have to pay for repair or replacement costs in an accident.

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    Personal Injury Protection

    If you’re driving in Hawaii, you’re required to get personal injury protection with a minimum limit of $10,000. This covers wage loss, medical expenses and other costs to an eligible injured party. Note that if your damages exceed the covered amount, you’ll have to pay for the remainder yourself.

We recommend that you buy these limits for your car insurance:

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

If you’ve taken out a loan to purchase your vehicle, you’ll likely be required to buy comprehensive and collision insurance.

Comprehensive insurance deals with the repair or replacement cost after a covered off-road accident. Collision insurance pays for damages to your car in case of a crash.

If you have a high-value vehicle, we encourage you to buy comprehensive and collision insurance even though you’re not required by a financing contract.

Car Insurance Alternatives in Hawaii

If you’re unable to secure car insurance from traditional insurers or have multiple accidents and violations on your records, you can still get auto insurance from the Hawaii Joint Underwriting Plan (HJUP).

The HJUP is a risk-pooling arrangement from the state’s insurers. It offers coverage options that meet the state’s minimum requirements, albeit at a higher cost.

If you’re looking for an HJUP policy, you may apply through any insurance agent in the state. They would be the ones that would guide you throughout the process.

Drivers who don’t have their own cars can also consider non-owner car insurance.

FAQs About Car Insurance in Hawaii

It’s common to have questions about cost and quality if you’re in the market for an auto insurance policy. MoneyGeek answered some frequently asked questions about car insurance in Hawaii to help you get started.

Expert Advice on Finding Cheap Car Insurance in Hawaii

To help you find credible and accurate insights on car insurance in Hawaii, MoneyGeek gathered expert advice from proven professionals. The perspectives and opinions conveyed are those of the individual contributor.

  1. What are the key factors drivers in Hawaii should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Hawaii take to find affordable car insurance?
Kirk Barth, CFP, ChSNC, CLU, ChFC
Kirk Barth, CFP, ChSNC, CLU, ChFC

Financial Advisor at Smart Assets of Hawaii

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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