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 Insure.com's Editor | Updated on: April 7, 2025 Why you can trust Insure.com 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. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you want to secure auto insurance coverage in Hawaii, know the associated costs. On average, premiums for car insurance in Hawaii cost $1,517 per year or $126 monthly. While the national average is $1,895, highlighting a difference of $378.Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Hawaii, and breaks down car insurance rates by age group.Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget. Average annual cost $1,517 Average per month cost $126 Average cost for state minimum coverage $396 / Year Cheapest car insurance company Geico($1,184 / Year) Average cost for young drivers $1,521 / Year Average cost for Senior drivers $1,517 / Year Key TakeawaysBased on Insure.com’s analysis, car insurance in Hawaii costs $1,517 per year.Car insurance in Hawaii costs $126 per month.Geico has the cheapest car insurance rates in Hawaii, at an average annual rate of $1,184 a year.Average car insurance cost in Hawaii per monthIn 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 HawaiiAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Hawaii is Geico, with an average annual cost of $1,184 and a monthly average of $99. Following closely is Progressive, providing coverage at an average monthly rate of $107.The following table lists additional car insurance companies operating in Hawaii and their respective average monthly and annual costs. Affordable car insurance providers in Hawaii Graph Table 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. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! 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 HawaiiCar insurance rates in Hawaii are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $572 per year in Hawaii.As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Hawaii amounts to $1,517 per year.If you 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 protects property damage and bodily injury caused by another driver. In Hawaii, the average annual cost for non-owner state minimum liability coverage is $395.For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $396 in Hawaii.1State minimum:$3962Liability only:$5723Full coverage:$1,5174Non-owners:$395Average car insurance cost in Hawaii by citySeveral 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$1,536Average car insurance cost in Hawaii by age of the driverAge plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Hawaii, the average annual rate for young drivers is $1,521, whereas for seniors, it is $1,517. The rate for young drivers exceeds that of senior drivers by $4.Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.Average car insurance cost in Hawaii for young drivers Age of driver Average annual cost 20 $1,538 21 $1,517 22 $1,517 23 $1,517 24 $1,517 Average car insurance cost in Hawaii for senior drivers Age of driver Average annual cost 65 $1,517 70 $1,517 75 $1,517 Read more about senior car insuranceMinimum car insurance requirements in HawaiiEvery state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Hawaii Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Hawaii:Bodily injury per person: $20,000 Bodily injury per accident: $40,000 Personal property coverage per person: $10,000 Cheapest cars to insure in HawaiiAccording to Insure.com data study, Volkswagen Tiguan has the lowest premium of $1,191. 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$1,236Most expensive cars to insure in HawaiiTopping the list as the most expensive car to insure is the Audi S8, at an average annual premium of $3,255. Notably, the annual difference between the least and most expensive cars to insure amounts to $2,064.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$2,840MethodologyThe 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.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow 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 In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! 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