Hawaii Auto Insurance Quotes

Hawaii auto insurance Every driver in Hawaii must have auto insurance, 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.

Hawaii Auto Insurance Basics

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.

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.

Sample of Annual Hawaii Auto Insurance Rates

Honolulu Auto Insurance

From picturesque beaches to World War II memorials, Honolulu is the vibrant gateway to the Hawaiian Islands. Known world-wide for its crescent-shaped beach and historic Waikiki, Honolulu also is home to shops, clubs and landmarks sure to keep visitors and locals alike wanting more.

Interstate H-1 takes drivers west from Honolulu to Kapolei. H-2 travels north to Wheeler Army Air Field, and H-3 takes you east to the beaches of Kailua Beach Park.

City Single Married
Low High Low High
Honolulu $806.00 $2,682.00 $806.00 $2,682.00

Kailua Auto Insurance

On the windward coast of Oahu, and just a 30 minute drive northeast of downtown Honolulu, is beautiful Kailua. Known for its sweeping beach views, Kailua's turquoise water and white sand beaches are a quiet favorite on the island.

Pali Highway, or Hawaii Route 61, is the primary route from Kailua to Honolulu. Interstate H-3 also travels west from Kailua, taking drivers to the historic Pearl Harbor historic sites.

City Single Married
Low High Low High
Kailua $780.00 $2,682.00 $780.00 $2,682.00

Kaneohe Auto Insurance

Kaneohe is one of the largest residential communities on Oahu's windward shore. The name Kaneohe in Hawaiian means "bamboo man." Kaneohe is known for its botanical gardens and golf courses that are open to the public, as well as a large Buddhist temple.

Interstate I-H3 travels west from Kaneohe past the Keaiwa Heiau State Recreation Area to the historic Pearl Harbor.

City Single Married
Low High Low High
Kaneohe $780.00 $2,682.00 $780.00 $2,682.00

Waianae Auto Insurance

Waianae is the primary town on Oahu's leeward side. The Waianae small boat harbor is a hub of activity, whether it is for tour boat operators or fishing boats. The beaches are separated from the rest of the island by the Waianae mountain range.

Hawaii Route 93, also known as Farrington Highway, travels north and south along the coast, passing through the Makua Keaau Forest reserve to the north, and Nanakuli to the south.

City Single Married
Low High Low High
Waianae $780.00 $2,682.00 $780.00 $2,682.00

Mililani Auto Insurance

Nestled at the center of the island of Oahu, Mililani is something of a bedroom community for Honolulu. Formerly a plantation, the National Civic League named Mililani an All-American City in 1998. Mililani has schools, community centers, shopping centers, a public golf course and parks.

Interstate H2 travels north and south just east of Mililani. Hawaii Route 99 passes through the center of Mililani. Traveling south from town, you pass through Waipahu and Pearl City near Pearl Harbor. Traveling north will take you to Wheeler Army Air Field.

City Single Married
Low High Low High
Mililani $780.00 $2,682.00 $780.00 $2,682.00

Pearl City Auto Insurance

Located on the north side of Pearl Harbor, best known as the site of the WWII sneak attack. Pearl City is primarily a residential community near the center of the island of Oahu. There is a memorial to the sunken battleship, the USS Arizona that visitors can tour.

Pearl City lies at the connection of Interstates H1, H2 and H3. H2 travels north through the center of Oahu. H1 travels west to Makakilo and Kapolei and east to Honolulu. H3 travels east to Kailua and Kaneohe.

City Single Married
Low High Low High
Pearl City $780.00 $2,682.00 $780.00 $2,682.00

City Single Married
Low High Low High
Aiea $780.00 $2,682.00 $780.00 $2,682.00
Anahola $714.00 $2,376.00 $714.00 $2,376.00
Captain Cook $808.00 $3,193.00 $808.00 $3,193.00
Eleele $714.00 $2,376.00 $714.00 $2,376.00
Ewa Beach $780.00 $2,682.00 $780.00 $2,682.00
Haiku $825.00 $2,514.00 $825.00 $2,514.00
Hakalau $808.00 $3,193.00 $808.00 $3,193.00
Haleiwa $780.00 $2,682.00 $780.00 $2,682.00
Hana $825.00 $2,514.00 $825.00 $2,514.00
Hanalei $714.00 $2,376.00 $714.00 $2,376.00
Hanapepe $714.00 $2,376.00 $714.00 $2,376.00
Hauula $780.00 $2,682.00 $780.00 $2,682.00
Hawi $808.00 $3,193.00 $808.00 $3,193.00
Hilo $808.00 $3,193.00 $808.00 $3,193.00
Holualoa $808.00 $3,193.00 $808.00 $3,193.00
Honaunau $808.00 $3,193.00 $808.00 $3,193.00
Honokaa $808.00 $3,193.00 $808.00 $3,193.00
Honolulu $806.00 $2,682.00 $806.00 $2,682.00
Honomu $808.00 $3,193.00 $808.00 $3,193.00
Hoolehua $825.00 $2,514.00 $825.00 $2,514.00
JBPHH $806.00 $2,682.00 $806.00 $2,682.00
Kaaawa $780.00 $2,682.00 $780.00 $2,682.00
Kahuku $780.00 $2,682.00 $780.00 $2,682.00
Kahului $825.00 $2,514.00 $825.00 $2,514.00
Kailua $780.00 $2,682.00 $780.00 $2,682.00
Kailua Kona $808.00 $3,193.00 $808.00 $3,193.00
Kalaheo $714.00 $2,376.00 $714.00 $2,376.00
Kalaupapa $825.00 $2,514.00 $825.00 $2,514.00
Kamuela $808.00 $3,193.00 $808.00 $3,193.00
Kaneohe $780.00 $2,682.00 $780.00 $2,682.00
Kapaa $714.00 $2,376.00 $714.00 $2,376.00
Kapaau $808.00 $3,193.00 $808.00 $3,193.00
Kapolei $780.00 $2,682.00 $780.00 $2,682.00
Kaumakani $714.00 $2,376.00 $714.00 $2,376.00
Kaunakakai $825.00 $2,514.00 $825.00 $2,514.00
Keaau $808.00 $3,193.00 $808.00 $3,193.00
Kealakekua $808.00 $3,193.00 $808.00 $3,193.00
Kealia $714.00 $2,376.00 $714.00 $2,376.00
Kekaha $714.00 $2,376.00 $714.00 $2,376.00
Kihei $825.00 $2,514.00 $825.00 $2,514.00
Kilauea $714.00 $2,376.00 $714.00 $2,376.00
Koloa $714.00 $2,376.00 $714.00 $2,376.00
Kula $825.00 $2,514.00 $825.00 $2,514.00
Kunia $780.00 $2,682.00 $780.00 $2,682.00
Kurtistown $808.00 $3,193.00 $808.00 $3,193.00
Lahaina $825.00 $2,514.00 $825.00 $2,514.00
Laie $780.00 $2,682.00 $780.00 $2,682.00
Lanai City $825.00 $1,989.00 $825.00 $1,989.00
Laupahoehoe $808.00 $3,193.00 $808.00 $3,193.00
Lihue $714.00 $2,376.00 $714.00 $2,376.00
Makawao $825.00 $2,514.00 $825.00 $2,514.00
Makaweli $714.00 $2,376.00 $714.00 $2,376.00
Maunaloa $825.00 $2,514.00 $825.00 $2,514.00
MCBH Kaneohe Bay $806.00 $2,682.00 $806.00 $2,682.00
Mililani $780.00 $2,682.00 $780.00 $2,682.00
Mountain View $808.00 $3,193.00 $808.00 $3,193.00
Naalehu $808.00 $3,193.00 $808.00 $3,193.00
Ninole $808.00 $3,193.00 $808.00 $3,193.00
Ookala $808.00 $3,193.00 $808.00 $3,193.00
Paauilo $808.00 $3,193.00 $808.00 $3,193.00
Pahala $808.00 $3,193.00 $808.00 $3,193.00
Pahoa $808.00 $3,193.00 $808.00 $3,193.00
Paia $825.00 $2,514.00 $825.00 $2,514.00
Papaaloa $808.00 $3,193.00 $808.00 $3,193.00
Papaikou $808.00 $3,193.00 $808.00 $3,193.00
Pearl City $780.00 $2,682.00 $780.00 $2,682.00
Pepeekeo $808.00 $3,193.00 $808.00 $3,193.00
Princeville $714.00 $2,376.00 $714.00 $2,376.00
Schofield Barracks $806.00 $2,682.00 $806.00 $2,682.00
Tripler Army Medical Center $806.00 $2,682.00 $806.00 $2,682.00
Volcano $808.00 $3,193.00 $808.00 $3,193.00
Wahiawa $780.00 $2,682.00 $780.00 $2,682.00
Waialua $780.00 $2,682.00 $780.00 $2,682.00
Waianae $780.00 $2,682.00 $780.00 $2,682.00
Waikoloa $808.00 $3,193.00 $808.00 $3,193.00
Wailuku $825.00 $2,514.00 $825.00 $2,514.00
Waimanalo $780.00 $2,682.00 $780.00 $2,682.00
Waimea $714.00 $2,376.00 $714.00 $2,376.00
Waipahu $780.00 $2,682.00 $780.00 $2,682.00

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.

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.

Frequently Asked Questions About Hawaii Auto Insurance

1. What is no-fault insurance?

No-fault insurance means that your insurance company pays out regardless of who is at fault for the accident. In Hawaii, this only applies to personal injuries, not to car or property damage.

2. Are their minimums for uninsured and underinsured motorist protection?

If you buy either uninsured or underinsured motorist protection, you have to buy a minimum of $20,000 in coverage. You must purchase uninsured and underinsured motorist protection separately.

3. Why is injury liability required if Hawaii is a no-fault state?

If you are at fault in an accident, the other person can sue you for serious injuries. No-fault insurance does not apply to serious injuries.

4. Can an insurance policy exclude certain drivers?

Insurance companies do not have to cover every driver in your household. They can exclude certain drivers but they must include those exclusions in the policy.

How to Get Great Rates on Hawaii Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.

Average cost of car insurance by state

Find out how a county’s insurance rate stacks up against the state average, as well as how it fares against other counties in the state.

Use our interactive map to find out:

  • How your state compares to the national average
  • How your county compares to the state average
  • How your ZIP compares to the county

Use the "Select state" or "Select county" dropdown menu to choose your state, then your county.

Reset Map

% Difference from national average rate

    We are comparing rates now, this may take a few minutes to complete.


    Get Free Auto Insurance Quotes

    Is it the right time to shop for Auto Insurance?

    Car insurance rates constantly fluctuate and vary each month. Find out when you should shop for new quotes.