Why Compare Car Insurance Rates in Hawaii:
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.
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 |
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.
| Company | Annual Premium |
|---|---|
| Island Insurance Group | $342 |
| 21st Century | $343 |
| State Farm | $566 |
| Progressive | $630 |
| Allstate | $821 |
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.
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:
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.
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.
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.
An average annual premium of $1,750, or $146 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 |
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.
| Company | Annual Premium |
|---|---|
| 21st Century | $671 |
| Island Insurance Group | $878 |
| USAA | $1,150 |
| State Farm | $1,211 |
| Progressive | $1,250 |
| Allstate | $1,884 |
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.
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 Premium |
|---|---|
| 21st Century | $676 |
| Island Insurance Group | $960 |
| USAA | $1,200 |
| State Farm | $1,348 |
| Progressive | $1,709 |
| Allstate | $2,664 |
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 Premium |
|---|---|
| 21st Century | $1,051 |
| USAA | $1,425 |
| Island Insurance Group | $1,186 |
| State Farm | $1,472 |
| Progressive | $1,880 |
| Allstate | $2,886 |
More than any other traffic infraction, driving while intoxicated (DUI) will increase your insurance rates.
| Company | Annual Premium |
|---|---|
| 21st Century | $1,146 |
| State Farm | $1,379 |
| Progressive | $2,146 |
| Allstate | $5,812 |
| Island Insurance Group | $7,737 |
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 |
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 |
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.
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.
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
In Hawaii, minimum coverage costs $48 per month, and maximum coverage costs $102 per month.
USAA and Tradewind sell the cheapest auto 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.
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.
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.
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.
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.
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.
USAA and Tradewind sell the cheapest auto insurance in Hawaii. In Hawaii, we discovered that USAA has the best deals for drivers with a $275 minimum coverage limit.
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.
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