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Average cost of car insurance in Hawaii for 2023

The average annual cost of car insurance in Hawaii is $1,275 for full coverage and $344 for the minimum coverage.

Updated Mar 30, 2023
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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 rates are significantly cheaper than the national average. The annual average car insurance cost in Hawaii is $1,275 for full coverage and $344 for minimum coverage, whereas the average cost of insurance in the U.S. is $622 per year for minimum coverage and $2,014 per year for full coverage.

Average minimum coverage premium in Hawaii Average annual full coverage premium in Hawaii
$344 $1,275
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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.

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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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Insurance Disclosure

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.

Hawaii car insurance rates by city

Insurance rates generally vary between different cities, but Hawaii auto insurance rates do not typically change by city or borough as much as in other states. After collecting quotes for the top five most populated cities on the islands, Hilo on the Big Island ended up having the largest increase in car insurance rates from the average. However, the annual difference in price is relatively small.

Hawaii city Average annual full coverage premium Percentage change from Hawaii average annual full coverage premium
Hilo $1,348 5.7%
Kailua $1,265 -0.8%
Kaneohe $1,265 -0.8%
Mililani $1,265 -0.8%
Waipahu $1,273 -0.2%

Average car insurance costs by age and gender in Hawaii

Age is generally one of the more significant factors impacting rates, but this practice is prohibited in Hawaii. Anti-discriminatory laws have pushed insurance companies to keep rates fair and equitable to all drivers, older and newer. While teen driver rates across the country are typically double or even triple that of older, more experienced drivers, Hawaii's rates for young adults are comparatively affordable.

Age Average monthly full coverage premium in Hawaii Average annual full coverage premium in Hawaii
Age 16* $111 $1,332
Age 18 $111 $1,332
Age 20 $113 $1,355
Age 25 $111 $1,327
Age 30 $106 $1,275
Age 40 $106 $1,275
Age 50 $106 $1,275
Age 60 $107 $1,276
Age 70 $106 $1,275

*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

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.

Age Average annual premium for drivers on their parents' policy in Hawaii Average annual premium for drivers on their own policy in Hawaii
Age 16 $1,332 N/A*
Age 17 $1,332 N/A*
Age 18 $1,332 $1,398
Age 19 $1,332 $1,383
Age 20 $1,332 $1,355

*16- and 17-year-old drivers must be on their parents’ policy.

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 when infractions are added to 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.

Driving incident Average annual full coverage premium in Hawaii Percentage increase from Hawaii average annual full coverage premium
Clean driving record $1,275 0%
Speeding ticket conviction $1,401 10%
At-fault accident $1,724 35%
DUI conviction $5,007 293%

Car insurance rates in Hawaii by credit score

Credit history is usually factored by insurers to help them determine driver risk level, but consideration of credit as a factor is prohibited in Hawaii. Credit-based insurance scores do not impact car insurance rates in Hawaii.

Credit tier Average annual full coverage premium in Hawaii Percentage change from Hawaii average annual full coverage premium
Poor $1,275 0%
Average $1,275 0%
Good $1,275 0%
Excellent $1,275 0%

Hawaii car insurance rates by vehicle type

Another important variable that can impact rates is the make and model of your vehicle. Different cars have different crash ratings and can vary significantly in how much they cost to repair or replace.

Vehicle Average annual full coverage premium in Hawaii
Toyota Camry $1,275
Ford F-150 $1,094
Honda Odyssey $1,092
BMW 330i $1,659
Toyota Prius $1,351

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 who would typically pay exponentially high rates. That said, insurance isn’t free, and there may be ways to save further on rates:

  • Bundle insurance: Buying car and home or renters insurance with the same carrier could reduce your premiums for all policies.
  • Multi-vehicle: You could opt to keep all vehicles and drivers in your household on the same policy for savings, as long as you meet the criteria set by the provider.
  • Disappearing deductible: Choosing a carrier that reduces your deductible every year you do not have a claim could lower your out-of-pocket costs, as long as you maintain a clean record.
  • Complete a driving course: Getting ticketed for a moving violation, such as a speeding ticket, generally has one of the largest impacts on your premium. Attending an approved traffic school or defensive driving course after a ticket could dismiss the points that would affect your insurance rates.

Estimate your car insurance cost in Hawaii

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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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Written by
Joshua Cox-Steib
Contributor, Personal Finance

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Edited by Editor, Insurance