Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Hawaii Average car insurance cost in Hawaii The average premium for car insurance in Hawaii is $1,517 per year or $126 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Understanding potential costs is essential when seeking auto insurance in Hawaii. On average, car insurance in Hawaii costs $1,517 annually or $126 monthly. This figure contrasts with the national average of $1,682, showcasing a variance of $378 from the state average. You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location. This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in Hawaii, and car insurance rates by age group. It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget. Summary of average car insurance cost in HawaiiAverage annual cost $1,517Average per month cost $126Average cost for state minimum coverage $396 / YearCheapest car insurance company Geico($1,184 / Year)Average cost for young drivers $1,521 / YearAverage cost for Senior drivers $1,517 / Year Key Takeaways Based on Insure.com’s in-depth data analysis, car insurance in Hawaii costs $1,517 per year. In Hawaii, the average premium for car insurance is $126 per month. At $1,184 a year, Geico has the cheapest car insurance rates in Hawaii. Average car insurance cost in Hawaii per month In Hawaii, car insurance costs around $126 per month on average. It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Hawaii, it’s wise to obtain quotes from multiple firms. Cheapest car insurance companies in Hawaii According to Insure.com’s rate analysis, Geico offers the most affordable car insurance premiums in Hawaii. The average annual cost is $1,184, or $99 per month. The second-best option available is Progressive, offering insurance at an average cost of $107 per month. The table below lists the other available car insurance companies that offer car insurance in Hawaii, along with their average cost per month and average annual cost. Company nameAverage per month costAverage annual costGeico$99$1,184Progressive$107$1,279Farmers$125$1,495Island Insurance$148$1,771Allstate$157$1,882State Farm$162$1,938USAA$89$1,067 Read our guide to cheap car insurance companies Hawaii car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Hawaii Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $1,573/Year OR $131/month Hawaii Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in Hawaii The extent of coverage you opt for directly influences the cost of car insurance in Hawaii. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage. Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Hawaii would be $572. As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Hawaii amounts to $1,517. For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Hawaii, the average annual cost for non-owner state minimum liability coverage stands at $395. For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $396 annually in Hawaii. Coverage limitsAverage annual costState Minimum BI/PD$396Liability Only – 50/100/50 BI/PD$572Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,517Non-Owners$395 Average car insurance cost in Hawaii by city Several factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code. The table below depicts the top popular cities in Hawaii: CityAverage annual costEwa Gentry$1,536Hilo$1,630Honolulu$1,515Kahului$1,470Kailua$1,575Kaneohe$1,520Kapolei$1,520Mililani Town$1,520Pearl City$1,520Waipahu$1,536 Average car insurance cost in Hawaii by age of the driver Age is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Hawaii, the average annual rate for young drivers is $1,521, whereas for seniors, it’s $1,517. Notably, the rate for young drivers surpasses that of senior drivers by $4. Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities. Average car insurance cost in Hawaii for young drivers In Hawaii, female young drivers typically pay an average annual car insurance cost of $1,521 and $127 per month. Conversely, male young drivers pay an average annual rate of $1,521, or $127 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driverAverage annual cost20$1,538 21$1,517 22$1,517 23$1,517 24$1,517 Average car insurance cost in Hawaii for senior drivers In Hawaii, senior female drivers pay an annual car insurance cost of $1,517, equating to $126 per month. Similarly, male senior drivers face an average yearly expense of $1,517, or $126 per month. Age of driverAverage annual cost65$1,517 70$1,517 75$1,517 Read more about senior car insurance. Minimum car insurance requirements in Hawaii Every state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Hawaii Department of Insurance, the required coverages and minimum coverage limits in Hawaii are as follows: Bodily injury per person: $20,000 Bodily injury per accident: $40,000 Personal property coverage per person: $10,000 Cheapest cars to insure in Hawaii The Volkswagen Tiguan has the most affordable average annual insurance premium, standing at $1,191. The Subaru Crosstrek is followed closely at $1,194 per year. The difference in the cost of insuring these two models is $3 annually. MakeModelAverage annual premiumVolkswagenTiguan$1,191SubaruCrosstrek$1,194HondaCR-V$1,195HondaOdyssey$1,196SubaruForester$1,211HondaRidgeline$1,216SubaruOutback$1,216FordEscape Plug-in Hybrid$1,223FordEscape$1,235JeepWrangler$1,236 Most expensive cars to insure in Hawaii The Audi S8, at an average annual premium of $3,255, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $2,064 annually. MakeModelAverage annual premiumAudiS8$3,255BMWM5$3,238AudiRS7$3,132DodgeChallenger SRT$3,059MaseratiQuattroporte$3,016AudiR8 Performance$2,992AudiR8$2,986Porsche911 Turbo$2,894Porsche911 Sport Classic$2,862DodgeCharger SRT$2,840 Methodology The Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary. How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Hawaii Non-owner car insurance in Hawaii Average renters insurance cost in Hawaii Average homeowners insurance cost in Hawaii Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Hawaii per monthCheapest car insurance companies in HawaiiAverage cost of car insurance by coverage levels in HawaiiAverage car insurance cost in Hawaii by cityAverage car insurance cost in Hawaii by age of the driverMinimum car insurance requirements in HawaiiCheapest cars to insure in HawaiiMost expensive cars to insure in HawaiiMethodology ZIP Code Please enter valid ZIP See rates