Candace Baker, Car Insurance Writer
@candacebaker
The cities in Hawaii with the least expensive auto insurance premiums are Lihue and Kapa'a, where car insurance costs an average of $540 per year. By comparison, the average cost of car insurance in Hawaii overall is $665 per year.
Cheapest Cities for Car Insurance in Hawaii
- Lihue: $540 per year
- Kapa'a: $540 per year
- Kahului: $648 per year
- Kihei: $648 per year
- Wailuku: $648 per year
Note: There are several more cities in Hawaii tied for third place. We used population as a tie-breaker for which to display.
Some cities in Hawaii have cheaper car insurance premiums than others because insurance companies take a driver's ZIP code into account when calculating their premium, alongside other factors. For example, drivers who live in dense urban areas typically pay more for coverage than drivers in rural areas because they're more likely to get into an accident. And if an area has a particularly high theft rate, car insurance may be more expensive due to the risk of vehicles being stolen.
You can reduce the amount that you'll pay for car insurance by getting quotes from at least three different companies and comparing your options on a regular basis. You can start by looking at WalletHub's picks for the cheapest car insurance companies in Hawaii.
Cheapest Car Insurance in Hawaii
To learn more, check out WalletHub's guide to the cheapest car insurance in Hawaii.
People also ask
Does ZIP code affect car insurance?
Yes, ZIP codes affect car insurance premiums. Drivers in the most expensive ZIP codes in New York and California, for example, pay an average of about $3,500 more per year for full-coverage car insurance than drivers in the least expensive areas of those states. And drivers in the most expensive states for car insurance, like New York, can expect to pay at least $700 more per year for minimum coverage than drivers in the least...
read full answer by WalletHub, Financial CompanyHow much is car insurance in Hawaii per month?
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,...
read full answer by Candace Baker, Car Insurance WriterHow much car insurance do I need in Hawaii?
Hawaii law requires you to have $20,000 in coverage for one person’s bodily injury or death, up to $40,000 total per accident, and $10,000 in coverage for other people’s property damage when you are at fault. Hawaii also requires (PIP) insurance, which covers medical expenses for you and your passengers after an accident.
How Much Car Insurance Drivers Need in Hawaii:
| Coverage Type | Minimum Coverage Limit |
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