Candace Baker, Car Insurance Writer
@candacebaker
Car insurance in Hawaii costs $36 per month or $432 per year for minimum coverage, on average. The cheapest car insurance companies in Hawaii are Geico, USAA, and State Farm, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Hawaii is 36% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Hawaii, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in Hawaii by Category
- After an at-fault accident: $52 per month
- Teen driver: $41 per month
- After a DUI: $130 per month
Average Cost of Car Insurance in Hawaii by Company
Company | Minimum Coverage | Full Coverage |
$426 per year | $1,437 per year | |
$558 per year | $1,773 per year | |
$256 per year | $983 per year | |
$422 per year | $1,692 per year | |
$746 per year | $1,814 per year | |
$339 per year | $1,117 per year | |
$278 per year | $1,221 per year |
Note: Rates are an approximation based on a 45-year-old man in Hawaii with a clean driving record. Actual rates will vary.
Average Cost of Car Insurance in Hawaii by Age
Age | Average Premium |
$493 per year | |
$484 per year | |
$484 per year | |
$437 per year | |
$437 per year | |
$432 per year | |
$432 per year | |
$432 per year | |
$432 per year | |
$432 per year | |
$432 per year | |
$432 per year | |
$432 per year | |
$432 per year |
Note: Rates are an approximation based on a driver in Hawaii with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in Hawaii
- Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
- Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
- Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
- Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
To learn more, check out our guide to how much car insurance you need in Hawaii as well as our picks for the cheapest car insurance companies in Hawaii.
People also ask
How much car insurance do I need in Hawaii?
Drivers in Hawaii need $20,000 of bodily injury liability insurance per person (up to $40,000 per accident) and $10,000 of property damage liability insurance. Hawaii also requires personal injury protection (PIP) insurance. PIP covers medical expenses for you and your passengers after an accident.
Here’s How Much Car Insurance Drivers Need in Hawaii:
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | ... |
Why is Hawaii car insurance so expensive?
Car insurance in Hawaii is expensive because it is a no-fault state. In Hawaii, you can expect to pay around $1,480 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Hawaii is less expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The cost of car insurance is steadily increasing, too, both in Hawaii and nationwide. As the cost of providing...
read full answerWhat is the penalty for driving without insurance in Hawaii?
The penalties for driving without insurance in Hawaii include fines, community service, and license suspension. You can avoid these consequences by meeting Hawaii’s proof of financial responsibility requirements. Hawaii requires that all drivers have at least $20,000 in bodily injury liability coverage, up to $40,000 per accident, along with $10,000 in liability coverage for property damage.
Purchasing Hawaii’s minimum liability car insurance coverage is the easiest way to satisfy the financial responsibility requirement. Drivers...
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