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Why Compare Car Insurance Rates in Hawaii:

  • On average, people who compare rates save about $970 a year on car insurance
  • Way.com is an insurance power broker agency with over 200+ partners
  • We don’t sell your information to spammers.

Hawaii's high cost of living is due to numerous factors. It is also a popular location for the wealthy to invest in real estate. Full-coverage car insurance costs an average of $1,500 per year, while state minimum coverage costs about $600 per year. The fact that there aren't as many people on the road in Hawaii contributes to the low cost of auto insurance. If you just got your driver's license or recently moved to Hawaii, you might be curious about the state's auto insurance laws but it is relatively easy to get the cheap car insurance in Hawaii. And Way.com will help you find the best among those.

Minimum Required Auto Insurance Coverage in Hawaii

All states require you to buy such insurance coverage before you can register your car. According to the Hawaii Insurance Department, all car owners must have at least the following:

Car Insurance Coverage Type Minimum Coverage Limit
Bodily injury liability coverage $50,000 per person

$100,000 per accident

Property damage liability coverage $25,000
Personal injury protection $10,000
Uninsured/Underinsured motorist bodily injury $50,000 per person

$100,000 per accident

Comprehensive and collision $500 deductible

Cheapest Car Insurance in Hawaii for Minimum Required Coverage

Average rates in Hawaii varies by more than $1000 for a minimum coverage policy and more than $2,800 for a complete coverage policy. Rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best quotes in Hawaii.

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Hawaii Car Insurance Laws

In order to drive a car in Hawaii, you must have car insurance. All drivers must carry a current and valid Hawaii motor vehicle insurance identification card in their vehicle at all times as required by state law in the state of Hawaii.

When driving without a valid driver's license, you could face a fine and/or a ticket. Your registration certificate and license plates must be returned to the county director of finance if you do not have insurance on your vehicle. You will be unable to operate the vehicle after doing so.

With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.

Hawaii Auto Insurance Requirements

Drivers in Hawaii are required by law to carry a certain amount of insurance coverage for their vehicles. They are required to carry the following as a bare minimum:

  • A $20,000 per person/$40,000 per accident bodily injury liability and $10,000 property damage liability are included in your mandatory coverages. The injured party's damages are covered by these if you are found to be at fault in an accident.

In addition to the collision and comprehensive, uninsured ("UM") and underinsured ("UIM") policies that are included in your policy, you can purchase wage loss and alternative care (such as naturopathy or acupuncture), death benefits (ranging from $25,000 to $100,000) as well as funeral benefits (the coverage is $2,000).

Uninsured and underinsured motorist coverage options must be explained to you in detail by your insurance agent or company, including your right to decline coverage in writing.

  • It is possible to purchase at least $20,000 per person uninsured motorist coverage to pay for a serious injury or death if the driver responsible for the accident does not have insurance or is involved in a hit-and-run incident.
  • Additionally, you can purchase at least $20,000 per person in underinsured motorist coverage in the event that the negligent driver lacks adequate insurance.

Hawaii car insurance PIP requirements

Personal injury protection benefits (PIP) are a form of "no-fault" insurance in Hawaii, which means that your car insurance company will pay for your and your passengers' medical bills up to that limit. And unless there are serious injuries, you cannot sue or be sued. Vehicle and property damage caused by an accident are the responsibility of the driver who caused it, as "no-fault" only applies to personal injury claims.

  • Personal injury protection (PIP) benefits of at least $10,000 per person must be included in your car insurance policy as a bare minimum. This will be used to cover the cost of medical care and rehabilitation.

Proof of Auto Insurance in Hawaii

The owner of the vehicle may display the motor vehicle insurance identification card or the proof of insurance card in electronic format on a mobile electronic device, as defined in section 291C-137.

Average Cost of Auto Insurance Companies in Hawaii

An annual premium of $1,000, or $85 per month, is typical for a full-coverage auto insurance policy. Refer the following table to get the numbers of the different insurance quotes.

Company Annual rate Monthly rate
Liberty Mutual $1000 $85
21st Century $1050 $87
USAA $1,155 $96
Island Insurance $1,335 $111
Farmers $1,800 $150
Allstate $2,060 $171
State Farm $3,530 $295
  • When you have full coverage auto insurance, your insurer will pay for repairs to both your car and the other driver's car in addition to the state's minimum requirements.

Cheapest Car Insurance Quotes for Hawaii Drivers

It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Hawaii from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Hawaii. According to our in-house market research, these companies offer the best auto insurance in Hawaii.

Cheap car insurance in Hawaii for young Hawaii drivers

For a young driver looking for low-cost insurance, Liberty Mutual might be a good place to start. Both the state minimum and the full coverage policy cost $1000 annually.

Company Annual Rate (Full coverage)
Island Insurance $1,340
Allstate $2,060
State Farm $3,530
USAA $1,150

Cheap car insurance for Hawaii drivers with a speeding ticket

USAA is one of the best option for Hawaii drivers who have received a speeding ticket. The company's rates are significantly lower than those of its competitors because it did not raise annual premiums following a speeding ticket.

Company Annual rate
Island Insurance $1,445
Allstate $2,890
State Farm $3,900
USAA $1,200

Cheap auto insurance for Hawaii drivers after a car accident

If you've recently been involved in an at-fault car accident in Hawaii and you're looking for affordable full-coverage car insurance, you should check out USAA or Island Insurance.

Company Annual rate
Island Insurance $1,785
Allstate $3,200
State Farm $4,280
USAA $1,425

Cheap car insurance quotes for Hawaii drivers with a DUI

More than any other traffic infraction, driving while intoxicated (DUI) will increase your insurance rates.

Company Annual rate
21st Century $5,045
Allstate $5,495
State Farm $8,560
Island Insurance $11,340

Cheap full coverage car insurance quotes for young drivers with an accident history

For teenagers who find themselves in this situation, 21st Century offers some of the best young driver rates. Minimum coverage insurance from The 21st Century costs $425 per year, which is less than the national average. The next cheapest option, Island Insurance, which costs $590.

Company Annual rate
21st Century $425
Island Insurance $590
Allstate $1,315
State Farm $1,625

Compare Car Insurance Rates In Top Cities

In Hawaii, the cost of car insurance does not vary significantly from one city to the next. There are 22 cities in Hawaii where full coverage auto insurance costs more than $1,510 a year, the most cheapest of which is Kapaa. On the other hand, drivers in 44 cities in Hawaii, including the state's fourth-largest city, Hilo, pay the highest rates.

City Average annual full coverage premium
Kapaa $1,510
Ainaloa $1,900
Pearl City $1,760
Hilo $1,880
Honolulu $1,760
Ewa Gentry $1,770
Wailuku $1,755
Princeville $1,510
Ocean Vie $1,880
Royal Kunia $1,760

Hawaii auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
Not-at-fault accident $1,419 1% $10
One Med/PIP claim $1,419 1% $10
None $1,419 1% $10
Two comp claims $1,438 2% $29
One comp claim $1,438 2% $29
Two Med/PIP claims $1,438 2% $29
Failure to wear a seat belt $1,512 8% $103
Failure to show documents $1,521 8% $112
Driving without lights $1,552 10% $143
Child safety restraint $1,552 10% $143
Improper passing $1,587 13% $178
Speeding 11 - 15 MPH over limit $1,587 13% $178
Illegal turn $1,587 13% $178
Texting while driving $1,587 13% $178
Driving too slowly $1,587 13% $178
Speeding 6 - 10 MPH over limit $1,587 13% $178
Cell phone violation $1,587 13% $178
Speeding in school zone $1,587 13% $178
Wrong way/wrong lane $1,587 13% $178
Failure to stop at a red light $1,587 13% $178
Failure to yield $1,587 13% $178
Following too closely $1,587 13% $178
Speeding 16 - 20 MPH over limit $1,606 14% $197
Driving with expired registration $1,611 15% $202
At-fault accident - less than $1000 $1,681 20% $272
Passing school bus $1,691 20% $282
Operating a vehicle without permission $1,766 26% $357
At-fault accident - greater than $2000 $1,887 34% $478
At-fault accident - $1000-$2000 $1,887 34% $478
In 65 MPH zone $2,205 57% $796
Speeding 21 - 25 MPH over limit $2,211 57% $803
Open container $2,412 71% $1003
Reckless driving $3,540 152% $2,131
Racing $3,629 158% $2,220
Driving with a suspended license $3,667 161% $2,258
DUI $3,685 162% $2,276
Refusal to submit to a chemical test $3,685 162% $2,276
Leaving scene of an accident/hit and run $3,768 168% $2,359

Car insurance price trends in Hawaii

Year Avg. Annual Premium - Hawaii Yearly Change - Hawaii Avg. Annual Premium - US Yearly Change - US
2021 $1,098 $18 $1,539 $56
2020 $1,090 -$11 $1,493 -$51
2019 $1,111 -$10 $1,554 $33
2018 $1,131 -$685 $1,531 $94
2017 $1,806 $244 $1,447 $699
2016 $1,572 -$333 $1,378 $88
2015 $1,895 $226 $1,290 $61
2014 $1,679 $165 $1,239 $24
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

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How to Find The Best Car Insurance in Hawaii

Auto insurance is unique to every individual. A low rate is a primary goal for some people, while others are looking for specific coverages or discounts. Still, others are looking for coverage tailored to their specific life circumstances.

Make a list of the coverage options, discounts, and company features that are most important to you. A discount for distance students, for example, is a good option if you have a teen who is about to head off to college. If you have a history of tickets or accidents, you may want to look for an insurance provider specializing in high-risk drivers.

Insurance companies commonly provide additional coverage options. Roadside assistance may be a wise investment if you frequently travel through remote areas of Hawaii. If you're in a specific location, you might want to think about local features. Comprehensive coverage may be a good idea if you know the area is prone to vehicle vandalism.

Things to Know About Car Insurance When Moving to Hawaii

  • A minimum liability policy for a car costs an average of $639 a year in Hawaii, which comes out to about $53 a month.
  • Only in Hawaii will gender and marital status be taken into account when determining rates. A few carriers offer lower rates to married couples, but the difference is small and only applies to married couples. Most Hawaii car service providers do not differentiate between male and female drivers when it comes to their rates.

How to Get Discounts on Car Insurance in Hawaii

There are a variety of auto insurance discounts available in Hawaii, but they will vary from agency to agency. If you're changing insurance providers, see if they have a transition discount. You could be able to save money by moving.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

How much is car insurance in Hawaii per month?

In Hawaii, minimum coverage costs $48 per month, and maximum coverage costs $102 per month.

What is the cheapest car insurance in Hawaii?

USAA and Tradewind sell the cheapest auto insurance in Hawaii. In Hawaii, we discovered that The General has the best deals for drivers with a $275 minimum coverage limit.

Do you need car insurance in Hawaii?

In Hawaii, having motor vehicle insurance is needed if you own a vehicle. Hawaii State law mandates that your vehicle be covered during the registration period and that you carry a valid Hawaii motor vehicle insurance identification card in your car at all times.

Is car insurance in Hawaii expensive?

In Hawaii, car insurance is relatively inexpensive. The average annual cost of car insurance in Hawaii is $1079, 24.4% less than the national average.

Is it illegal to drive without insurance in Hawaii?

The Compulsory Liability Insurance Law in Hawaii allows you to bring liability insurance with minimum limits of 20/40/10 while you're on the lane. Violations of the Hawaii auto insurance requirement are called traffic violations, and you will be removed from the roadways if your driving privileges are revoked.

What is the penalty for driving without a license in Hawaii?

Driving without a license is a felony, and you could face up to 30 days in prison and a $1,000 fine. You may be fined for several reasons, including: NEVER GOT A LICENSE.

Is it worth renting a car in Hawaii?

The response is yes unless you want to chill at your hotel. Driving is the most convenient way to get around and gives you the most freedom.

How much is car registration in Hawaii?

Any vehicle is subject to an annual tax calculated based on the net weight of the car. Vehicles are expected to be registered in the county in which they are physically located. The cost for car disposal is $12, the fee for beautification is $1, and the price for emblem renewal is $0.50. The state fee is $45 per citizen.

What is the cheapest car insurance?

USAA and Tradewind sell the cheapest auto insurance in Hawaii. In Hawaii, we discovered that The General has the best deals for drivers with a $275 minimum coverage limit.

How much is car registration in Hawaii?

Any vehicle is subject to an annual tax calculated based on the net weight of the car. Vehicles are expected to be registered in the county in which they are physically located. The cost for car disposal is $12, the fee for beautification is $1, and the price for emblem renewal is $0.50. The state fee is $45 per citizen.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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