Average Car Insurance Cost in Hawaii (2025 Rates)

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78.5M Quotes reviewed

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34.5K ZIP codes analyzed

A full coverage car insurance policy costs around $1,721 a year or $143 per month for Hawaii drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $425 a year.

Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium.

Average annual cost
$1,721

Average per month cost
$143

Average cost for state minimum coverage
$603 / Year

Cheapest car insurance company
GEICO($1,251 / Year)

Average cost for young drivers
$1,740 / Year

Average cost for Senior drivers
$1,721 / Year

Average car insurance cost in Hawaii

If you’re a resident of Hawaii, full coverage car insurance typically costs about $143 per month, adding up to $1,721 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $35, or $425 annually.

The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.

Cheapest car insurance companies in Hawaii

If you’re looking for affordable insurance, GEICO tops the list of the cheapest car insurance companies. Its average annual cost is $1,251 per year or $104 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

Progressive also provides affordable insurance rates in Hawaii for a full coverage policy at an average annual insurance cost of $1,279 or $107 monthly.

While these companies offer some of the lowest average premiums in Hawaii, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs.

Affordable car insurance providers in Hawaii

Graph

Table

Company name	Average per month cost	Average annual cost
GEICO	$104	$1,251
Progressive	$107	$1,279
Farmers	$146	$1,746
Island Insurance	$161	$1,936
State Farm	$193	$2,312
Allstate	$198	$2,379
USAA*	$95	$1,141

*USAA is only available to military community members and their families.

Updated with latest data

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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 cost of your car insurance also depends on the coverage levels you choose.

If you opt for just the minimum coverage required by your state, you’ll pay $35 per month, or $425 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.

For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.

In Hawaii, the average cost for full coverage is $143 per month, or $1,721 per year

While it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.

Coverage limits	Average annual cost
State minimum liability-only	$425
Liability only	$603
Full coverage	$1,721
Non-owner state minimum liability	$333

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Average car insurance cost in Hawaii by city

Because car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Hilo, Kailua or Ewa Gentry, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.

On the other hand, drivers in cities like Kahului or Honolulu pay significantly low insurance rates, on average between $1,670 and $1,710 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.

City	Average annual cost
Kahului	$1,670
Honolulu	$1,710
Kaneohe	$1,714
Kapolei	$1,714
Mililani Town	$1,714
Pearl City	$1,714
Ewa Gentry	$1,734
Waipahu	$1,734
Kailua	$1,786
Hilo	$1,857

Average car insurance cost in Hawaii by age

Age is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.

Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.

Here’s a breakdown of what you might pay for full coverage in Hawaii, based on age and gender.

Average car insurance cost in Hawaii for young drivers

If you’re a younger driver, expect to pay higher premiums on your car insurance.

Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.

For instance, a 20-year-old male driver in Hawaii pays an average of $1,766 annually for car insurance, compared to $1,766 for a female driver of the same age.

By age 25, car insurance premiums typically decrease to $1,728 per year for male drivers and $1,728 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
20	$1,766	$1,766
21	$1,735	$1,735
22	$1,735	$1,735
23	$1,735	$1,735
24	$1,728	$1,728

Average car insurance cost in Hawaii for adult drivers

An adult driver aged 25-60 in Hawaii pays $1,722 annually for full coverage, or around $143 each month. Women in the same age group pay $1,722 per year or $143 per month.

Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
25	$1,728	$1,728
30	$1,721	$1,721
35	$1,721	$1,721
40	$1,721	$1,721
45	$1,721	$1,721
50	$1,721	$1,721
55	$1,721	$1,721
60	$1,721	$1,721

Average car insurance cost in Hawaii for senior drivers

Car insurance premiums tend to rise for older drivers. At age 65, men typically pay $1,721 annually, while women pay $1,721.

By 70, average rates go up to $1,721 for men and $1,721 for women. At age 75, costs increase further, reaching $1,721 for men and $1,721 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.

However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,721	$1,721
70	$1,721	$1,721
75	$1,721	$1,721

Minimum car insurance requirements in Hawaii

Whether you’re buying your first insurance policy or just moved to Hawaii, it’s important to understand the state’s car insurance requirements.

To stay on the right side of the law, drivers in Hawaii must carry at least the following minimum liability coverage:

Bodily injury per person: $20,000
Bodily injury per accident: $40,000
Property damage liability: $10,000

Cheapest cars to insure in Hawaii

Insurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.

Ford Maverick has the lowest premium, at an average of $1,260 a year, closely followed by Subaru Crosstrek, with an average annual car insurance cost of $1,261.

The table below shows the cheapest cars to insure and their average annual rates.

Make Model	Average annual premium
Ford Maverick	$1,260
Subaru Crosstrek	$1,261
Honda CR-V	$1,261
Subaru Outback	$1,280
Ford Escape	$1,286
Honda Odyssey	$1,291
Ford Escape Hybrid	$1,296
Ford Bronco Sport	$1,311
Subaru Ascent	$1,315
Volkswagen Tiguan	$1,315

Most expensive cars to insure in Hawaii

BMW M8 stands out as the most expensive car to insure in Hawaii, with an average annual cost of $3,186.

The table below shows the most expensive vehicles to insure in Hawaii along with their average annual insurance costs.

Make Model	Average annual premium
BMW M8	$3,186
Maserati Quattroporte	$3,185
Porsche 911 Turbo	$3,180
BMW M8 Gran Coupe	$3,164
Mercedes-AMG G63	$3,051
BMW M4	$3,006
BMW XM	$2,916
Chevrolet Camaro ZL1	$2,906
Nissan GT-R	$2,813
Porsche 911 GT3	$2,790

Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.

Methodology

Insure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has 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 different coverage limits, including

Full coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.
State minimum limits
Liability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.

We also collected average car insurance rates for drivers of different age groups:

Young drivers aged 20-24
Adult drivers aged 25-60
Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Colorado$3,222/Year

Connecticut$2,726/Year

Delaware$3,097/Year

Florida$3,852/Year

Georgia$2,739/Year

Iowa$2,228/Year

Idaho$1,791/Year

Illinois$1,901/Year

Indiana$1,856/Year

Kansas$2,410/Year

Kentucky$2,976/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Hampshire$1,650/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oklahoma$2,705/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Tennessee$2,214/Year

Texas$2,631/Year

Utah$2,250/Year

Virginia$1,837/Year

Vermont$1,504/Year

Washington$2,175/Year

Wisconsin$2,026/Year

West Virginia$2,557/Year

Wyoming$1,984/Year

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.