Average Car Insurance Cost in Hawaii (Updated Rates)

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If you are looking for auto insurance in Hawaii, knowing how much it will cost is a promising idea. The average premium for car insurance in Hawaii is $1,306 per year or $109 per month. While the national average is $1,682. There is a difference of $376 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Hawaii, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Summary of average car insurance cost in Hawaii
Average annual cost $1,306	Average per month cost $109	Average cost for state minimum coverage $389 / Year
Cheapest car insurance company Geico ($960/ Year)	Average cost for young drivers $1,309 / Year	Average cost for Senior drivers $1,306 / Year

Key Takeaways

The average car insurance cost in Hawaii is $1,306 per year, based on Insure.com’s analysis.
In Hawaii, the average premium for car insurance is $109 per month.
Geico has the cheapest car insurance rates in Hawaii, at an average annual rate of $960 a year.

Average car insurance cost in Hawaii per month

In Hawaii, the average premium for car insurance is $109 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Hawaii, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Hawaii is Geico.The average annual cost is $960 while the average cost per month is $80. The second-best option available is, USAA, offering insurance at an average per month cost of $87.

The table below lists the other available car insurance companies which offer car insurance in Hawaii, along with their average cost per month and average annual cost.

Company name	Average per month cost	Average annual cost
Geico	$80	$960
USAA	$87	$1,040
State Farm	$91	$1,097
Progressive	$112	$1,343
Farmers Insurance	$118	$1,411
Allstate	$135	$1,622
Island Insurance	$139	$1,668

Read our guide to best car insurance companies

Average cost of car insurance by coverage levels in Hawaii

The amount of coverage you purchase has an impact on how much car insurance costs in Hawaii. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Hawaii is $519.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Hawaii is $1,306 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Hawaii, the average annual cost for non-owner state minimum liability only is $407.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $389 per year in Hawaii.

Coverage limits	Average annual cost
50/100/50 Liability Only	$519
100/300/100 Liability with $500 Comp/Coll Deductible	$1,306
Non-Owner State Minimum Liability Only	$407
State Minimum Liability Only	$389

Average car insurance cost in Hawaii by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Hawaii is $1,309 while for seniors is $1,306. Here, the rate for young drivers is $3 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Hawaii for young drivers

The average car insurance cost for female young drivers in Hawaii is $1,309 per year or $109 per monthand rate for a male young driver is $1,309 per year or $109 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
18	$1,414	$1,414
19	$1,330	$1,330
20	$1,323	$1,323
21	$1,306	$1,306
22	$1,306	$1,306
23	$1,306	$1,306
24	$1,306	$1,306
25	$1,306	$1,306

Average car insurance cost in Hawaii for senior drivers

In Hawaii, the cost of car insurance for senior female driver is $1,306 per year or $109 per month and cost of car insurance for male senior driver is $1,306 per year or $109 per month.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,306	$1,306
70	$1,306	$1,306
75	$1,306	$1,306

Minimum car insurance requirements in Hawaii

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Hawaii Department of Insurance, the following are the required 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

The Subaru Crosstrek 2.0I has the lowest average annual insurance premium at $1,123, followed closely by the Subaru Outback 2.5I at $1,143. The difference in the cost of insuring these two models is $20 annually.

Make	Model	Average annual premium
Subaru	Crosstrek 2.0I	$1,123
Subaru	Outback 2.5I	$1,143
Subaru	Forester 2.5I	$1,166
Hyundai	Venue SE	$1,188
Subaru	Crosstrek 2.5I Limited	$1,194
Honda	CR-V EX	$1,216
Honda	HR-V EX	$1,220
Jeep	Compass High Altitude	$1,221
Kia	Sportage EX	$1,224
Volkswagen	Tiguan S	$1,225

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Most expensive cars to insure in Hawaii

The most expensive car to insure on the list is the BMW M760i xDrive, which has an average annual premium of $3,333. However, the difference between the cheapest and most expensive cars to insure is $2,210 annually.

Make	Model	Average annual premium
BMW	M760i xDrive	$3,333
BMW	M5	$3,285
Audi	R8 5.2L V10 Quattro Performance	$3,281
Porsche	911 Turbo	$3,229
Audi	RS7 Quattro Prestige	$3,141
Audi	RS7 Quattro Performance	$3,123
Audi	RS7 Quattro	$3,123
Maserati	Quattroporte	$3,110
Dodge	Charger SRT Hellcat	$2,945
Jaguar	F-Type R	$2,942

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

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: