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Average cost of car insurance in Hawaii in 2024

The average annual cost of car insurance in Hawaii is $1,652 for full coverage and $415 for the minimum coverage.

Updated Mar 14, 2024
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How much is car insurance in Hawaii? 

Although your actual cost of coverage will vary based on personal factors, Hawaii's average rates are significantly cheaper than the national average. The annual average car insurance cost in Hawaii is $1,652 for full coverage and $415 for minimum coverage, whereas the average cost of insurance in the U.S. is $741 per year for minimum coverage and $2,545 per year for full coverage.

Key takeaways

  • The average monthly cost of car insurance in Hawaii is $138 for full coverage and $35 for minimum insurance.
  • Average rates for full coverage in Hawaii are 35 percent less than the national average.
  • Of Hawaii's largest cities, Hilo has one of the highest average costs of car insurance at $1,765 per year for full coverage.
  • Drivers with a single DUI conviction in Hawaii may pay 277 percent more for full coverage car insurance.
  • Hawaii is one of the few states that does not allow insurance companies to consider age, gender, marital status or credit when determining rates.

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Hawaii car insurance rates by city

Insurance rates vary between different cities, because risk factors can differ between cities and even ZIP codes. However, Hawaii's average city rates do not vary as much as other states'. Larger cities generally have more congested roadways, leading to more accidents and higher average rates. Areas that experience a higher rate of theft or vandalism may also see higher average rates. Below you can compare average premiums in some of Hawaii's largest cities.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Average car insurance costs by age and gender in Hawaii

In many states, age has a significant influence over your car insurance rates, but Hawaii prohibits car insurance companies from considering age as an auto insurance rating factor. For this reason, average auto insurance rates are fairly consistent across different age demographics in Hawaii. However, rates may vary slightly for teens who are insured on their parents' policies. Using gender to determine rates is also prohibited in Hawaii, so men and women should pay the same amount for auto coverage, provided all other rating factors are equal.

Age 16*
Average annual full coverage premium in HI
$1,724
Average minimum coverage premium in HI
$436
Age 18
Average annual full coverage premium in HI
$1,852
Average minimum coverage premium in HI
$469
Age 20
Average annual full coverage premium in HI
$1,797
Average minimum coverage premium in HI
$455
Age 25
Average annual full coverage premium in HI
$1,765
Average minimum coverage premium in HI
$448
Age 30
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 40
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 50
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 60
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 70
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 40
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 50
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 60
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 70
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Average annual full coverage premium in HI
$1,724
Average minimum coverage premium in HI
$436
Age 18
Average annual full coverage premium in HI
$1,852
Average minimum coverage premium in HI
$469
Age 20
Average annual full coverage premium in HI
$1,797
Average minimum coverage premium in HI
$455
Age 25
Average annual full coverage premium in HI
$1,765
Average minimum coverage premium in HI
$448
Age 30
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 40
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 50
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 60
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 70
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 40
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 50
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 60
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
Age 70
Average annual full coverage premium in HI
$1,652
Average minimum coverage premium in HI
$415
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: Although age and gender are not used to determine rates in Hawaii, there are other factors that insurers look at when calculating premiums. Underwriters take a careful look at your driving record, and are likely to give you a lower rate if you have no infractions on your record. Your location may also play a role, and whether you keep your car in a garage or on the street. Your car's make, model and age will also help carriers determine your premium.

Cost considerations for young drivers in Hawaii

Due to their relative inexperience, younger drivers are seen as riskier and can cost more to insure on their own policy than they would on their parents’. However, this difference is minimal in Hawaii, thanks to their anti-discrimination laws.

Caret Down
Age 16*
Avg. annual premium for drivers in HI
$1,724
Age 17
Avg. annual premium for drivers in HI
$1,724
Age 18
Avg. annual premium for drivers in HI
$1,724
Age 19
Avg. annual premium for drivers in HI
$1,724
Age 20
Avg. annual premium for drivers in HI
$1,724
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in HI
$1,852
Age 19
Avg. annual premium for drivers in HI
$1,830
Age 20
Avg. annual premium for drivers in HI
$1,797
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 7 percent more
Age 19 6 percent more
Age 20 4 percent more

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Hawaii?

The one area you may see a large difference in Hawaii car insurance rates is if you have infractions on your driving record. A single speeding ticket conviction or at-fault accident in Hawaii will usually increase your annual vehicle insurance rates by a noticeable amount. DUIs can have an even greater impact and may make it difficult to find coverage.

The table below highlights the rate differences between a clean driving record and one with a traffic violation on it.

Clean driving record
Avg. annual premium* in HI
$1,652
Percentage increase from HI avg. annual premium*
0%
Avg. annual premium* in HI
$1,761
Percentage increase from HI avg. annual premium*
7%
Avg. annual premium* in HI
$2,195
Percentage increase from HI avg. annual premium*
33%
Avg. annual premium* in HI
$6,226
Percentage increase from HI avg. annual premium*
277%
*The rates reflected are for full coverage policies.

Car insurance rates in Hawaii by credit score

Credit history is another factor that Hawaii does not allow insurance carriers to consider when rating auto insurance policies. Credit-based insurance scores do not impact car insurance rates in Hawaii.

Avg. annual premium* in HI
$1,652
Percentage difference from HI avg. annual premium*
0%
Average
Avg. annual premium* in HI
$1,653
Percentage difference from HI avg. annual premium*
0%
Avg. annual premium* in HI
$1,652
Percentage difference from HI avg. annual premium*
0%
Excellent
Avg. annual premium* in HI
$1,652
Percentage difference from HI avg. annual premium*
0%
*Rates reflect full coverage policies.

Hawaii car insurance rates by vehicle type

Another important variable that impacts rates in Hawaii is the make and model of your vehicle. Different cars have different features and crash ratings and vary significantly in how much they cost to repair or replace. Luxury vehicles typically see higher average rates as they usually cost more to repair. Cars that are frequently stolen may also see higher rates. On the other hand, cars with good crash test ratings and advanced safety features typically see lower car insurance rates.

Avg. annual premium* in HI
$1,652
Avg. annual premium* in HI
$1,474
Avg. annual premium* in HI
$1,389
BMW 330i
Avg. annual premium* in HI
$2,094
Toyota Prius
Avg. annual premium* in HI
$1,609
*Rates reflect full coverage policies.

Estimate your car insurance cost in Hawaii

Due to the state's limited permitted car insurance rating factors, you may already have a good idea of what factors are impacting your Hawaii car insurance premium. However, comparing personalized estimates could help you better understand if you're overpaying for coverage. Get started with personalized estimates by inputting a few details below.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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How to save on car insurance in Hawaii

Hawaii is already one of the most affordable places to find car insurance, especially for younger drivers and those with poor credit who would typically pay exponentially high rates. That said, insurance isn’t free, and there may be ways to save further on rates:

  • Bundle your insurance: Buying car and home or renters insurance with the same carrier could reduce your premiums for all policies.
  • Look for discounts: Most car insurance carriers offer at least a handful of discounts to reduce your premium. Choosing a carrier with lots of discounts may help you save. Some common discounts include paid-in-full, claims-free and safe car savings.
  • Avoid tickets and accidents: Maintaining a clean driving record may help keep your car insurance rates low — especially in a state where auto insurance rating factors are limited.

Frequently asked questions

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Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).

Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.

Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Editor, Insurance