Hawaii Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Hawaii car insurance averages about $148 a month ($1,773 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 37% below the national average in our data. It’s lower than in the other Pacific states: Alaska, California, Oregon and Washington. GEICO has the lowest full-coverage average of the five major insurers we compared (21st Century, Allstate, GEICO, Liberty Mutual and State Farm), at about $93 a month.

Hawaii car insurance: key numbers

• Full coverage: about $148 a month ($1,773 a year)
• Liability only (20/40/10): about $47 a month
• Lowest-priced insurer: GEICO has the lowest full-coverage average of the five major insurers we compared, at about $93 a month
• Recent price change: +1.7% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Hawaii County (Big Island) (about $162 a month) and Kauai County (about $130)

Where you live in Hawaii matters more by island than by town. Every Big Island ZIP code we price averages $162 a month for full coverage, Oahu’s 25 ZIP codes average $147, Maui County’s eight $143 and Kauai’s four $130, and within each island our benchmark prices barely move from one ZIP code to the next. Use these averages as a benchmark, then compare Hawaii car insurance quotes for your own car and ZIP code.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 46 Hawaii ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in Hawaii?

Hawaii car insurance costs about $148 a month ($1,773 a year) on average for full coverage and $47 a month for liability-only coverage at 20/40/10 limits, below the 40/80/20 state minimum. That’s for a 40-year-old driver with a clean record, based on rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Hawaii averages $1,773 a year, or about $148 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $561 a year ($47 a month), and 50/100/50 liability with comprehensive and collision averages $1,699 ($142 a month).

• Full coverage (100/300/100, $500 deductibles): $1,773 a year ($148 a month)
• 50/100/50 with $500 deductibles: $1,699 a year ($142 a month)
• Liability only (20/40/10): $561 a year ($47 a month)
• Honolulu: $1,760 a year ($147 a month) for full coverage
• Hilo: $1,944 a year ($162 a month) for full coverage
• Kahului: $1,718 a year ($143 a month) for full coverage
• Lihue: $1,561 a year ($130 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Hawaii Compares With Other Pacific States

Hawaii’s average is about $39 a month below Alaska’s, $184 below California’s, $25 below Oregon’s and $106 below Washington’s. It’s the fifth-lowest of the 50 states and Washington, D.C., in our data. Hawaii has no bordering states, so the chart compares it with the other four states in the Census Bureau’s Pacific Division.

Cheapest Car Insurance in Hawaii: Companies Compared

Looking for cheap Hawaii car insurance? GEICO has the lowest full-coverage average of these five insurers statewide, about $93 a month ($1,119 a year), 27% below 21st Century; its liability-only average is about $28 a month at 20/40/10 limits. We don’t rate which company is best on service, but on price for our benchmark driver, GEICO has the lowest average among the Hawaii car insurance companies we rank. The bullets and table below show all six major insurers we compared and three more marked *.

• Lowest average in our data, full coverage: GEICO, at about $93 a month ($1,119 a year).
• Next lowest any driver can buy: 21st Century, at about $128 a month, then Allstate at $167.
• Military families: USAA averages about $114 a month statewide, but only for eligible members.
• Liability only (20/40/10): about $28 to $60 a month across the five insurers anyone can buy from.
• Also on our list: Farmers at about $136 a month, Progressive at $141 and Island Insurance at $147.
• Most expensive in our data: Liberty Mutual, at about $206 a month for full coverage, $1,356 a year more than GEICO.

Six of the seven published 2026 statewide Hawaii rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, which sells only to military families; one ranks Progressive first. For liability-only coverage at 20/40/10 limits, averages run from about $28 to $60 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.

These are statewide averages for our benchmark driver; on Oahu, where nine of our 12 city guides are, GEICO’s lead over 21st Century is wider than the statewide gap, 30.0% to 31.5%, and those guides say why we name it anyway. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.

See What You’d Pay in Hawaii

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How Hawaii’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Hawaii?

Yes, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Hawaii ZIP codes, their full-coverage average rose from $1,606 a year nine months earlier to $1,633 in rates as of Aug. 31, 2026, a 1.7% increase. USAA raised its average 4.2%, GEICO 3.1% and State Farm 2.3%, while 21st Century’s and Allstate’s averages were unchanged. Liberty Mutual is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Hawaii average above. Liability-only coverage at 20/40/10 limits rose 13.2%, led by GEICO, which raised its liability-only average 22.5%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Hawaii Car Insurance Costs

Hawaii’s full-coverage average is the fifth-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Age, gender and credit don’t count. Hawaii insurers can’t base rates on age, sex, marital status, length of driving experience or credit bureau rating, under HRS § 431:10C-207. They price your driving record, claims history, where you live and garage your car, and the car itself, according to the Hawaii Insurance Division.
• The island matters more than the town. In our data the Big Island costs the most, at $162 a month in every ZIP code we price, and Kauai the least, at $130. Oahu’s ZIP codes run from $1,760 to $1,782 a year, a spread of $22.
• Higher minimums since 2026. For new and renewal policies effective on or after Jan. 1, 2026, Hawaii requires 40/80/20 liability coverage, double the old 20/40/10 limits, plus $10,000 in personal injury protection, according to the Hawaii Insurance Division. Our liability-only prices use the old 20/40/10 limits.

Hawaii Car Insurance Rates by City

Kauai’s four towns in our data, Kalaheo, Kapaa, Koloa and Lihue, share the lowest full-coverage average of the 36 Hawaii cities and towns we price, about $130 a month, and the nine Big Island towns, from Hilo to Kailua-Kona, share the highest, about $162. On Oahu, Honolulu‘s 11 ZIP codes average $147, Ewa Beach and Waipahu $149 and the rest $147; on Maui and Molokai, every town averages $143. The table links each of our 12 city guides: Ewa Gentry is mailed under Ewa Beach, Makakilo under Kapolei, and the Mililani row covers Mililani Mauka and Mililani Town.

The table lists all 36 Hawaii cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Hawaii City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and which ZIP code its figures cover.

Hawaii Car Insurance Rates by County

The Big Island (Hawaii County) is the most expensive of the four counties we price, at about $162 a month for full coverage, followed by Oahu (Honolulu County) at $147 and Maui County at $143; Kauai County is the least expensive of the four, at $130. Maui County’s ZIP codes in our data are on Maui and Molokai. We price four of Hawaii’s five counties; Kalawao County has no ZIP code in our data.

How Much More Does Better Coverage Cost in Hawaii?

Raising liability limits from 50/100/50 to 100/300/100 adds about $74 a year on average statewide in our data, with the same $500 deductibles. Across the six insurers, the change runs from $7 less a year (USAA) to $131 more (State Farm). Statewide, that’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. USAA charges less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Hawaii Car Insurance Laws at a Glance

What Car Insurance Is Required in Hawaii?

Hawaii requires at least $40,000 per person and $80,000 per crash in bodily injury liability, $20,000 in property damage liability (40/80/20) and $10,000 per person in personal injury protection on new and renewal policies effective on or after Jan. 1, 2026. Uninsured and underinsured motorist coverage comes with your policy unless you reject it in writing.

• Bodily injury liability: $40,000 per person and $80,000 per crash, under HRS § 431:10C-301.
• Property damage liability: $20,000 per crash.
• Personal injury protection (PIP): $10,000 per person for medical and rehabilitation costs, under HRS § 431:10C-103.5.
• Uninsured and underinsured motorist coverage: included at your bodily injury limits unless a named insured rejects it in writing; insurers must also offer to let you stack it.

The new limits apply to new and renewal policies with effective dates on or after Jan. 1, 2026, and they double the old 20/40/10 minimum, according to the Hawaii Insurance Division. Our liability-only prices use 20/40/10 limits, the minimum before 2026, with 20/40 uninsured and underinsured motorist coverage, so a policy that meets today’s 40/80/20 minimum will generally cost more than our liability-only figures.

How No-Fault Car Insurance Works in Hawaii

Hawaii is a no-fault state for injuries: your own PIP pays the first $10,000 of your medical and rehabilitation bills, whoever caused the crash. You can sue the other driver for pain and suffering only after a death, a significant permanent loss of use of a part or function of the body, a permanent and serious disfigurement, or injuries with PIP benefits of $5,000 or more, under HRS § 431:10C-306. Property damage isn’t covered by PIP; the at-fault driver’s liability coverage pays for it. When fault is shared, you can still recover damages if your negligence wasn’t greater than the other driver’s, reduced by your share, under HRS § 663-31.

Proof of Insurance and Penalties in Hawaii

Your insurer must give you a paper or electronic insurance card, and it must be in the car or on your phone at all times and shown to police on request, under HRS § 431:10C-107. On Oahu, you’ll also need proof of insurance for your car’s safety inspection, according to the City and County of Honolulu.

Driving without insurance brings a $500 fine for a first offense and at least $2,000 for each later offense. The court must also either suspend the license of the driver or registered owner, for three months on a first conviction and a year for another within five years, or require six months of nonrefundable insurance. Repeat offenders within five years also face up to 30 days in jail, suspension or revocation of the car’s plates and impoundment, under HRS § 431:10C-117.

What Hawaii Insurers Can and Can’t Use to Set Your Rate

Hawaii insurers can’t base your rate on your age, sex, marital status, length of driving experience or credit bureau rating, under HRS § 431:10C-207. They do use your driving record, your claims history, where you live and garage your car, and the type of car and what it costs to fix or replace, according to the Hawaii Insurance Division.

Each year the Insurance Division publishes a Motor Vehicle Premium Comparison Guide with sample premiums by insurer for each county, and its complaint line, 1-844-808-DCCA (3222), takes questions about insurers. If you move a car to Oahu, it needs a Hawaii registration or an out-of-state permit within 30 days of its arrival, according to the City and County of Honolulu.

How to Lower Your Car Insurance Rate in Hawaii

1. Quote several insurers. Statewide, the lowest and highest averages among insurers anyone can buy from are about $113 a month apart for the same driver and car.
2. Compare GEICO and 21st Century first. They have the two lowest full-coverage averages among insurers anyone can buy from statewide in our data, about $93 and $128 a month.
3. Know what moves your price. Hawaii insurers can’t use your age, sex, marital status, driving experience or credit, under HRS § 431:10C-207, so your driving record, claims, where you garage your car and the car itself matter most, according to the Hawaii Insurance Division.
4. Think twice before rejecting uninsured motorist coverage. Hawaii policies include uninsured and underinsured motorist coverage at your bodily injury limits unless you reject it in writing, under HRS § 431:10C-301. Our full-coverage prices include it at 100/300.
5. Use the state’s premium guide. The Hawaii Insurance Division’s Motor Vehicle Premium Comparison Guide lists sample premiums by insurer for each county, so you can see how insurers compare before you shop.
6. New to Oahu? Line up coverage first. A car brought to Oahu needs a Hawaii registration or an out-of-state permit within 30 days of its arrival, according to the City and County of Honolulu, so compare Hawaii quotes before your car arrives.
7. Compare at every renewal. Over the past nine months, USAA has raised its average 4.2%, GEICO 3.1% and State Farm 2.3%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
9. Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Hawaii and our home insurance guides for Hilo, Honolulu and Kailua, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.

Compare Hawaii Car Insurance Quotes

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How We Calculated Hawaii Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 276 full-coverage premiums from six insurers across 46 Hawaii ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use. Hawaii law bars insurers from basing rates on age, sex, marital status, length of driving experience or credit.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/10 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Hawaii’s minimum has been 40/80/20 for new and renewal policies effective on or after Jan. 1, 2026, so our liability-only prices use lower limits than the law requires. Every Hawaii policy must also include at least $10,000 per person in personal injury protection; the requirements section of this page explains what it pays.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Liberty Mutual is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers, including USAA, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Hawaii rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Hawaii law and the Hawaii Insurance Division. We refresh these figures when new rate data is released.

More Hawaii Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Hawaii Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure and a coupe the most expensive in all four counties in that analysis (Hawaii, Honolulu, Kauai and Maui). A coupe costs about 41% more than an SUV on average.

Hawaii Car Insurance FAQ

• About the Author
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Michael Giusti( Senior Auto & Home Insurance Analyst & Contributor )

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.

www.insurancethoughtleadership.com/michael-giusti

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