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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.
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What To Know First
The annual average cost of car insurance in Hawaii is $1,275 for full coverage and $344 for minimum coverage. At Bankrate, our insurance editorial team has decades of combined industry experience, which we used to analyze auto insurance trends in Hawaii so that drivers can be better prepared to find the insurance they need.
- Of the five largest cities in Hawaii, Hilo has the highest average rate for full coverage at $1,348 per year.
- Being convicted of a DUI in Hawaii, raises rates for full coverage by 293 percent on average.
- Hawaii is one of the few states that does not allow insurance companies to use age, gender or credit when determining rates.
- Average rates for full coverage in Hawaii are 37 percent cheaper than the national average.
On This Page
- How much is car insurance in Hawaii?
- Hawaii car insurance rates by city
- Average car insurance costs by age and gender in Hawaii
- How does driving record impact the cost of car insurance in Hawaii?
- Car insurance rates in Hawaii by credit score
- Hawaii car insurance rates by vehicle type
- How to save on car insurance in Hawaii
- Estimate your car insurance cost in Hawaii
- Frequently asked questions
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|
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|
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|
*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|
*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%|
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|
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|
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.
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