How Much Does Car Insurance Cost on Average in Hawaii?
Hawaii car insurance averages $53/month for state-minimum liability and $170/month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data — among the lowest in the nation. State Farm offers the cheapest rates in both categories, at $31/month minimum and $110/month full coverage. Hawaii is a no-fault state requiring 20/40/10/10 coverage, including $10,000 in personal injury protection.
- State Minimum Liability in Hawaii costs $53 a month or $630 a year. Full coverage costs around $170 a month or $2,044 a year on average.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Hawaii – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in Hawaii
- In Hawaii the cheapest auto insurance providers on average are State Farm, USAA and 21st Century.State minimum liability car insurance starts at $31 a month or $370 a year. Full coverage car insurance starts at $110 a month or $1,316 a year with State Farm.
Here is a breakdown of average costs from the cheapest local insurance providers in Hawaii from our data set of used-car drivers who are single, middle aged and have a clean driving record.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $370 | $31 | $1,316 | $110 |
| USAA | $372 | $31 | $1,637 | $136 |
| 21st Century | $557 | $46 | $1,838 | $153 |
| GEICO | $756 | $63 | $2,804 | $234 |
| Allstate | $1,041 | $87 | $2,747 | $229 |
Hawaii Car Insurance Costs by City
Hawaii Car Insurance Cost Guides by City:
Hawaii Car Insurance Coverage Requirements
Hawaii is a no-fault state. This means that in addition to liability insurance, you also have to carry personal injury coverage. The minimum coverage you have to carry is 20/40/10/10, which comes out to:
- 20,000 per individual involved in an accident.
- 40,000 total for all individuals involved in an accident.
- 10,000 property damage due to an accident.
- 10,000 per person for medical and related costs.
You also have to be able to prove you have insurance at all times. Keep your insurance card on you or in your car; you face a fine if you do not have it. If you don’t have insurance, you have to turn in your registration and license plates to the county.
Every driver in Hawaii must have auto insurance coverage, and your rates depend on a number of factors including your age, your car, and how often you drive. If you are considered a low-risk driver, your rate will typically be lower than an individual considered high-risk.
Risk depends on age and experience. Young drivers pay more than experienced drivers do, as do drivers with high performance cars. You also pay more if you drive more, as it increases your exposure to accidents. However, if you are a safe driver, your rates drop. Although the state requires you to have auto insurance, there are many reasons to maintain regular coverage. Here is all the information you need to find the best car insurance Hawaii has to offer.
When you get a quote, the insurer is required to offer you both uninsured and underinsured motorist protection. You don’t have to take it, but the insurer must at least offer it. Insurance companies also offer collision and comprehensive, as well as death and funeral benefits.
Average Cost for Car Insurance in Hawaii by County
In order to get the best price on car insurance, you’ll want to know on average how much it should cost. We broke down the average costs of car insurance per year for a driver in Hawaii below:
| Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Hawaii | $808 | $580 | $823 | $748 | $757 |
| Honolulu | $780 | $580 | $800 | $738 | $736 |
| Kauai | $714 | $509 | $724 | $660 | $667 |
| Maui | $825 | $595 | $845 | $762 | $772 |
Moving to Hawaii: Important Information
An important thing you need to know before moving to Hawaii is that the city and county governments, not the state, issue driver’s licenses. For example, if you live in Honolulu, that’s where you get your license. You can’t go to a small town and hope for a shorter line at the licensing office.
To get a Hawaii driver’s license in Honolulu, you need to present not only your valid out-of-state license and Social Security card, but also your proof of legal residence. You also need to pass both an eye test and a written test.
Understanding Driving Laws in Hawaii
Hawaii has some of the strictest DUI laws in the nation. If you are under 21, the BAC limit is zero, and the first offense comes with a six-month suspension. For adults, the limit is 0.08, but you can face jail time for even the first infraction.
Everyone must wear a seatbelt in Hawaii, whether in the front or back seat of the vehicle. You must also have car seats for children four and under, and either boosters or car seats between ages four and seven.
Is Hawaii a No-Fault State? Understanding Hawaii PIP Requirements
Yes — Hawaii is a no-fault state, which means your own Personal Injury Protection (PIP) insurance pays your medical bills after a car accident regardless of who was at fault. Hawaii’s no-fault law contributes to its relatively lower insurance rates compared to high-litigation states like Florida.
Hawaii’s minimum car insurance requirements in 2026 include:
- Personal Injury Protection (PIP) — $10,000 minimum: Covers your medical expenses and those of your passengers after an accident, regardless of fault. Pays up to $10,000 per person per accident.
- Bodily Injury Liability — $20,000 per person / $40,000 per accident: Covers injuries you cause to others when you are at fault in an accident.
- Property Damage Liability — $10,000 minimum: Covers damage you cause to another person’s vehicle or property.
Unlike Florida, Hawaii also requires Bodily Injury Liability coverage, providing more protection for other drivers. Hawaii’s combination of no-fault PIP and required BIL means drivers are well-protected — and it helps keep overall claim costs lower than many mainland states.
Hawaii Car Insurance Rates by Driver Age (2026)
Hawaii has some of the most stable car insurance rates in the country across age groups, partly because state law limits how much insurers can vary rates based on age and credit. However, teen drivers and seniors still pay more than middle-aged drivers on average:
| Age Group | Avg. Minimum Coverage/mo | Avg. Full Coverage/mo | vs. State Average |
|---|---|---|---|
| Teen (16–19) | ~$160–$210 | ~$420–$520 | 70–125% above average |
| Young Adult (20–25) | ~$105–$130 | ~$265–$320 | 10–40% above average |
| Adult (26–45) | ~$85–$100 | ~$195–$220 | Near state average |
| Middle-Aged (46–65) | ~$70–$90 | ~$175–$200 | 5–10% below average |
| Senior (65+) | ~$85–$110 | ~$200–$240 | Near or slightly above average |
Rate data estimates are based on Quadrant Information Services data for a Hawaii driver with a clean driving record. Hawaii law restricts insurers from using credit scores as a primary rating factor, which helps keep rates more equitable across income levels compared to most U.S. states.
How to Get Cheap Car Insurance in Hawaii
Hawaii is already one of the most affordable states for car insurance — minimum coverage starts as low as $31 per month through State Farm and USAA in 2026. But comparison shopping still saves Hawaii drivers hundreds of dollars annually. Here’s how to minimize your premium:
- Compare at least 3 quotes. State Farm, USAA, and 21st Century are consistently the cheapest in Hawaii. USAA is only available to military members and their families. If you qualify, USAA often beats all other carriers.
- Bundle home and auto. Hawaii homeowners who bundle policies with the same carrier typically save 8–15% on both premiums.
- Take advantage of Hawaii’s low-mileage discounts. Hawaii’s compact geography means many drivers log fewer miles than mainland counterparts. Insurers offer low-mileage discounts for drivers under 7,500 miles annually.
- Drop collision on older vehicles. If your car is worth under $5,000, dropping collision and comprehensive coverage can cut your premium by 30–40%.
- Maintain a clean driving record. One at-fault accident in Hawaii typically increases rates by 25–35%. A DUI can raise premiums by 60–90%.
- Ask about good student and driver training discounts. Teen drivers in Hawaii can reduce their surcharge significantly by completing a state-approved driver education course.
Hawaii Unique Driving Factors That Affect Insurance Rates
Hawaii’s geography and driving environment create insurance factors unlike any other U.S. state:
- Island-specific coverage considerations: Hawaii’s island roads mean fewer high-speed interstate accidents but more exposure to coastal weather, road salt corrosion, and volcanic activity on the Big Island — all of which can affect comprehensive claims.
- Lower uninsured driver rates: Hawaii has stricter enforcement of insurance requirements than most states, resulting in a lower percentage of uninsured drivers — which helps keep rates lower for insured drivers.
- No credit scoring for insurance: Hawaii is one of only a few states (along with California and Massachusetts) that prohibits insurers from using credit scores to set auto insurance rates. This significantly benefits drivers with poor credit who would pay much more in other states.
- Honolulu vs. neighbor island rates: Urban Honolulu drivers pay 15–25% more than drivers on Maui, Kauai, or the Big Island due to higher traffic density and accident frequency in the capital.
No one can text while driving in Hawaii, but you can make calls if you have a hands-free device. Teen drivers cannot use a phone while driving for any reason.
Hawaii takes legal residence very seriously. If your driver’s license expires, or you get a new class of license, you have to show proof of legal presence.
Compare Car Insurance Rates by State
Frequently Asked Questions About Hawaii Car Insurance
Hawaii car insurance averages $53 a month for state-minimum liability and $170 a month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. Hawaii’s rates are consistently among the lowest in the nation, largely due to its small, contained road network and strict insurance regulation.
State Farm offers some of the cheapest rates in Hawaii, starting around $31 a month for minimum coverage and $110 a month for full coverage. Rates vary by driver profile, so comparing quotes from multiple carriers is the best way to find your lowest available rate.
Yes. Hawaii requires drivers to carry Personal Injury Protection (PIP) coverage as part of its no-fault system, with a minimum of $10,000 in PIP benefits. This means your own insurer covers your medical expenses after an accident regardless of who was at fault.
No. Hawaii is one of the few states that bans insurers from using credit-based insurance scores to set auto insurance premiums. Your credit history has no bearing on your Hawaii car insurance rate, unlike in most other states.
Not much. Hawaii has one of the smallest city-to-city rate spreads in the country — roughly $32 a month between the least expensive city (Kahului) and the most expensive (Kailua) for full coverage, since Hawaii’s compact geography and consistent regulatory environment keep rates fairly uniform statewide.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
