Average Car Insurance Cost in Hawaii (2025 Rates)

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

78.5M Quotes reviewed

170 Insurance providers evaluated

34.5K ZIP codes analyzed

If you live in Hawaii, you can expect to pay an average of around $143 per month for full coverage car insurance, or $1,721 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $35 monthly or $425 annually.

Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate.

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 live in Hawaii can expect to pay an average of $143 per month for full coverage car insurance – that’s $1,721 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $35 monthly or $425 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.

However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.

Cheapest car insurance companies in Hawaii

GEICO has the cheapest rates, at an average annual cost of $1,251 or $104 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

Progressive also stands out for its affordable premiums, with an average cost of $107 per month or $1,279 annually.

While these insurance companies have some of the lowest average rates in Hawaii, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance.

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.

Hawaii car insurance calculator

Tell us about your car to get an estimate.

Vehicle year

State

Vehicle make

Vehicle model

Vehicle already present. Please select a different vehicle.

Matching results for your vehicle

Add a vehicle to Compare!!!

Acura Integra

Vehicle details

Vehicle year 2024

Style 2WD 4 Door Hatchback Automatic Turbo

State Hawaii

Cylinders 4

Make & model Acura - Integra

Vehicle type Luxury Car

Your estimated rate

State MinimumNA^*

Liability coverage$673/year

Full Coverage$1,753/year

Recommended

Note: 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 2021 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.

Data last refreshed in 2025

Average cost of car insurance by coverage levels in Hawaii

Your car insurance cost largely comes down to the coverage limits you pick.

If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $35 a month, or about $425 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.

For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.

On average, drivers in Hawaii pay around $143 per month, or roughly $1,721 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.

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

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Average car insurance cost in Hawaii by city

Where you live in Hawaii can have a big impact on your car insurance rates.

If you’re located in cities like Hilo, Kailua, or Ewa Gentry, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.

On the other hand, drivers in cities like Kahului and Honolulu tend to pay much lower insurance premiums, between $1,670 and $1,710 per year.

These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.

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

Insurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.

Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.

Let’s take a closer look at how much you might pay in Hawaii for a full coverage policy based on your age and gender.

Average car insurance cost in Hawaii for young drivers

If you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.

For instance, 20-year-old male drivers in Hawaii pay an average of $1,766 per year for car insurance, while females of the same age pay $1,766.

But by the time you turn 25, insurance premiums drop to $1,728 a year on average for male drivers and $1,728 for female drivers.

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

On average, an adult male driver in Hawaii pays $1,722 a year for full coverage or $143 per month. Women pay $1,722 a year or $143 per month for the same coverage.

However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.

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

If you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $1,721 per year, while women pay $1,721. But by age 70, average premiums rise to $1,721 for men and $1,721 annually for women. At 75, rates increase even further – $1,721 for male drivers and $1,721 for female drivers.

Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining 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

The type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.

Ford Maverick is one of the cheapest cars to insure in Hawaii, with an average premium of $1,260 per year. Subaru Crosstrek has an average annual cost of $1,261.

The table below shows the cars with the lowest average insurance 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 tops the list as the most expensive car to insure in Hawaii, at an average annual cost of $3,186. Below is a list of the most expensive vehicles to insure in Hawaii and their average annual premiums.

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 costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your 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.