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A full coverage policy in Hawaii averages $1,066 per year or $86 per month. Compared to the U.S. national average of $1,424 per year, car insurance cost in Hawaii is cheaper on average. However, due to certain factors, the actual price for your policy may be more expensive.

Below, we explain how urban share, vehicle theft and other factors affect car insurance costs at a state level. We also explore personal factors like age, driving history and car model, and why car insurance costs in Hawaii are expensive for some drivers.

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Key Takeaways

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Car insurance costs are cheaper in Hawaii than in other states. This is because non-driving rating factors that normally increase premiums, like your age and credit score, are disregarded.

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However, factors particular to Hawaii — like the fact that it’s a no-fault state — can increase rates. Traffic congestion, urban population density and increasing vehicle theft rates can also increase premiums in the state.

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Personal factors, including your location, chosen provider, driving record and car make and build, could be why car insurance rates are expensive for you. It is worth noting that these are controllable factors, and making adjustments could help you get lower rates.

Why Hawaii Car Insurance Rates Can Be High

Hawaii is one of the few states where a driver’s credit score does not affect insurance premiums. While rates are cheaper on average, actual costs can be expensive because of state-level factors like highway density, high population density and an elevated rate of vehicle thefts. It is also one of the 12 no-fault states, significantly increasing premiums.

Higher-than-Average Highway Density

Car insurance can be expensive in Hawaii partly due to the recorded traffic density of 11.2. States with the most congested highways record the highest numbers of accidents and crashes. The more vehicles driving near each other, the higher the likelihood of incidents. According to a MoneyGeek’s study, Hawaii ranks as the fifth-worst state for distracted driving.

High Population Density

Urban areas report higher rates of accidents, theft and vandalism than non-urban areas. As a result, auto insurance rates increase for urban residents.

In Hawaii, about 92% of residents live in the urban areas of Hawaii. Honolulu is a popular tourist destination, which increases the number of people and cars on the road. This, in turn, means more accidents are likely, and a higher number of claims will be filed.

High Rate of Vehicle Theft

MoneyGeek found that Hawaii's average vehicle theft rate is high at 371.1 cases per 100,000 inhabitants, making it the third-worst state for vehicle thefts.

Insurance companies assess risk by looking at crime reports and theft rates. Living in an area with a high volume of thefts automatically increases rates.

Hawaii Is a No-Fault State

Hawaii is a no-fault state. Regardless of who is at fault, drivers will turn to their respective insurance providers to pay for medical bills and vehicle damages. In addition to bodily injury and personal property damage, Hawaii requires no-fault personal injury protection (PIP) insurance with at least $10,000 in coverage.

Why Hawaii Car Insurance Might Be Expensive for You

Hawaii car insurance costs vary significantly depending on several factors. Uncontrollable factors affect prices at a state level. Where you live in the state, your chosen insurance company, driving record and car model are controllable factors that affect your individual quotes.

Where You Live

Hawaii may be cheaper than the national average, but depending on your city, you may pay higher rates than others. While the cost overall is cheaper than the national average, living in a densely populated city can increase premiums.

Insurance Company

Shopping around for the right insurance provider can help you find the most affordable option for you. MoneyGeek’s list of the cheapest car insurance in Hawaii can help you save money by comparing rates. We examined the best car insurance in Hawaii to ensure you’re getting the best service and a reasonable price. You can get personalized quotes using MoneyGeek’s calculator.

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Hawaii may be the only state where car insurance rates for younger drivers are nearly the same as older drivers. A driver’s age can make a huge difference in annual premiums in most states, doubling the price if you are a much younger or much older adult driver. Since Hawaii excludes non-driving rating factors like age, car insurance rates in the state aren’t affected by this factor.

Average Car Insurance Rates by Age in Hawaii
Average Driver (40-Year-Old)





Driving Record

Drivers with a clean record typically pay the lowest rates. Those with serious driving violations like a DUI or at-fault accidents could have increased premiums as they pose a higher risk. A driver with a speeding ticket alone pays $186 more annually than a driver with a clean record, while someone with a DUI in Hawaii pays $2,280 more per year.

Average Car Insurance Rates by Driving Record in Hawaii
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Credit Score

Hawaii is one of the few states with an anti-discrimination law that prevents insurance providers from rating policyholders based on non-driving factors. Like age, credit-based insurance scores do not affect your insurance premiums in Hawaii.

Car’s Make and Build

Older cars are cheaper to insure, while sports cars are more expensive because of parts that need to be replaced when damaged. For example, a Nissan GT-R costs around $3,096 to insure, triple the amount you’d pay if you own a Honda CR-V at $1,172 average per year.

You may want to look at car insurance costs for a particular car make and build before buying a new car. See how your car fares with our auto insurance calculator.

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How to Save on Car Insurance in Hawaii

Hawaii may offer cheaper rates than other states, but it is still possible to save money on premiums. You may be able to control some factors that affect your premiums, like practicing safe driving habits or shopping for the cheapest option. Below are some suggestions on how you can save on car insurance.

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    Shop around for quotes.

    Shopping around for at least four to five insurance quotes could give you a ballpark estimate of how much your car insurance should cost. It also shows you the cheapest options and the policies with coverage that best matches your needs.

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    Bundle your home & auto policies.

    You can save by buying home and auto insurance from the same company. Many insurers offer discounts when you buy more than one product.

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    Seek out discounts.

    Behavior and telematics-based discounts are common with insurance products. It’s wise to research typical insurance discounts offered by major insurers and ask what other discounts you can get based on personal factors.

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    Increase your deductible.

    Auto insurance deductibles are the amount you pay out-of-pocket before your insurance coverage kicks in when you file a claim. A higher deductible can lower your premiums.

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    Consider pay-per-mile insurance.

    If you don’t drive a lot, paying for full coverage insurance may not be your best choice. A pay-per-mile car insurance policy is one of the most popular ways to lower your premiums. Drivers who travel fewer than 12,000 miles annually may score cheaper rates.

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    Drop unnecessary coverage.

    Comprehensive and collision coverage is usually only optimal for new and expensive cars. If your premiums are worth more than 10% of your vehicle’s cash value, you may want to drop unnecessary coverage to save money. In most cases, you no longer need comprehensive coverage if you have an older vehicle that is paid off.

Frequently Asked Questions

MoneyGeek answered the commonly asked questions about car insurance costs in Hawaii to give you an idea of what to expect before signing up for car insurance.

About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.