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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.
Key Takeaways
- Based 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 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, 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
| Company name | Average per month cost | Average annual cost |
|---|---|---|
| Geico | $99 | $1,184 |
| Progressive | $107 | $1,279 |
| Farmers | $125 | $1,495 |
| Island Insurance | $148 | $1,771 |
| Allstate | $157 | $1,882 |
| State Farm | $162 | $1,938 |
| USAA | $89 | $1,067 |
Read our guide to cheap car insurance companies
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Average cost of car insurance by coverage levels in Hawaii
Car 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.
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:
| City | Average annual cost |
|---|---|
| Ewa Gentry | $1,536 |
| Hilo | $1,630 |
| Honolulu | $1,515 |
| Kahului | $1,470 |
| Kailua | $1,575 |
| Kaneohe | $1,520 |
| Kapolei | $1,520 |
| Mililani Town | $1,520 |
| Pearl City | $1,520 |
| Waipahu | $1,536 |
Average car insurance cost in Hawaii by age of the driver
Age 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 insurance
Minimum car insurance requirements in Hawaii
Every 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 Hawaii
According 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.
| Make | Model | Average annual premium |
|---|---|---|
| Volkswagen | Tiguan | $1,191 |
| Subaru | Crosstrek | $1,194 |
| Honda | CR-V | $1,195 |
| Honda | Odyssey | $1,196 |
| Subaru | Forester | $1,211 |
| Honda | Ridgeline | $1,216 |
| Subaru | Outback | $1,216 |
| Ford | Escape Plug-in Hybrid | $1,223 |
| Ford | Escape | $1,235 |
| Jeep | Wrangler | $1,236 |
Most expensive cars to insure in Hawaii
Topping 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.
| Make | Model | Average annual premium |
|---|---|---|
| Audi | S8 | $3,255 |
| BMW | M5 | $3,238 |
| Audi | RS7 | $3,132 |
| Dodge | Challenger SRT | $3,059 |
| Maserati | Quattroporte | $3,016 |
| Audi | R8 Performance | $2,992 |
| Audi | R8 | $2,986 |
| Porsche | 911 Turbo | $2,894 |
| Porsche | 911 Sport Classic | $2,862 |
| Dodge | Charger 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.
57M
Quotes reviewed
136
No. of carriers analyzed
34.5K
ZIP codes analyzed
How much is car insurance in other states
Explore other insurance options in Hawaii
- Average car insurance cost in Hawaii per month
- Cheapest car insurance companies in Hawaii
- Average cost of car insurance by coverage levels in Hawaii
- Average car insurance cost in Hawaii by city
- Average car insurance cost in Hawaii by age of the driver
- Minimum car insurance requirements in Hawaii
- Cheapest cars to insure in Hawaii
- Most expensive cars to insure in Hawaii
- Methodology