Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Hawaii Average car insurance cost in Hawaii In Hawaii, a full-coverage car insurance policy will cost you an average of $1,721 annually or $143 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 9, 2026 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’re in Hawaii, your monthly cost for full coverage car insurance is $143, which adds up to $1,721 per year. For minimum coverage, expect to pay an average of $35 monthly, or $425 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. 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 012345 1 of 6 Average car insurance cost in HawaiiDrivers in Hawaii generally pay an average of $143 per month or $1,721 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $35 or $425 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in HawaiiGEICO provides the lowest full coverage rates, for an average cost of $1,251 per year or $104 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Progressive also offers affordable insurance coverage to Hawaii drivers at an average cost of $1,279 a year or $107 per month.Although these insurers offer some of the most affordable average rates in Hawaii, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. Affordable car insurance providers in Hawaii Graph Table Company nameAverage per month costAverage annual costGEICO$104$1,251Progressive$107$1,279Farmers$146$1,746Island Insurance$161$1,936State Farm$193$2,312Allstate$198$2,379USAA*$95$1,141*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Hawaii car insurance calculator Tell us about your car to get an estimate. 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Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Hawaii 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 Minimum$469/year Liability coverage$715/year Full Coverage$1,804/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in HawaiiYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $35 per month or $425 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Hawaii, drivers typically pay $143 per month or $1,721 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$425Liability only$603Full coverage$1,721Non-owner state minimum liability$333Powered by: 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 cityCar insurance rates can vary widely depending on where you live, even within Hawaii.Cities like Hilo, Kailua, or Ewa Gentry tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Kahului or Honolulu, with average annual premiums between $1,670 and $1,710.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costKahului$1,670Honolulu$1,710Kaneohe$1,714Kapolei$1,714Mililani Town$1,714Pearl City$1,714Ewa Gentry$1,734Waipahu$1,734Kailua$1,786Hilo$1,857Powered by:Average car insurance cost in Hawaii by ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Hawaii for full coverage, depending on your age and gender.Average car insurance cost in Hawaii for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Hawaii, 20-year-old male drivers pay an average of $1,766 per year for car insurance, while their female counterparts pay $1,766 for the same coverage.However, by age 25, average car insurance costs drop to about $1,728 per year for male drivers and $1,728 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$1,766$1,76621$1,735$1,73522$1,735$1,73523$1,735$1,73524$1,728$1,728Powered by:Average car insurance cost in Hawaii for adult driversAn adult driver aged 25-60 in Hawaii pays $1,722 per year for full coverage, or $143 each month. Female drivers of the same age pay $1,722 annually or $143 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$1,728$1,72830$1,721$1,72135$1,721$1,72140$1,721$1,72145$1,721$1,72150$1,721$1,72155$1,721$1,72160$1,721$1,721Powered by:Average car insurance cost in Hawaii for senior driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $1,721 per year, and women pay $1,721.By age 70, those averages increase to $1,721 for men and $1,721 for women. At 75, premiums rise again, reaching $1,721 for male drivers and $1,721 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,721$1,72170$1,721$1,72175$1,721$1,721Powered by:Minimum car insurance requirements in HawaiiWhether you’re purchasing a policy for the first time or relocating to Hawaii, it’s important to understand the state’s liability coverage requirements.Drivers in Hawaii must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $20,000Bodily injury per accident: $40,000Property damage liability: $10,000Cheapest cars to insure in HawaiiYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Ford Maverick tops the list for cheapest car to insure in Hawaii at an average cost of $1,260 a year, followed closely by Subaru Crosstrek at $1,261 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumFord Maverick$1,260Subaru Crosstrek$1,261Honda CR-V$1,261Subaru Outback$1,280Ford Escape$1,286Honda Odyssey$1,291Ford Escape Hybrid$1,296Ford Bronco Sport$1,311Subaru Ascent$1,315Volkswagen Tiguan$1,315Powered by:Most expensive cars to insure in HawaiiBMW M8 is one of the most expensive vehicles to insure in Hawaii, with an average annual cost of $3,186.Below is a list of the costliest vehicles to insure in Hawaii and their average premiums.Make ModelAverage annual premiumBMW M8$3,186Maserati Quattroporte$3,185Porsche 911 Turbo$3,180BMW M8 Gran Coupe$3,164Mercedes-AMG G63$3,051BMW M4$3,006BMW XM$2,916Chevrolet Camaro ZL1$2,906Nissan GT-R$2,813Porsche 911 GT3$2,790Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull 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 limitsLiability-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:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in HawaiiCheapest 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 ageMinimum car insurance requirements in HawaiiCheapest cars to insure in HawaiiMost expensive cars to insure in HawaiiMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330