Home Car insurance Car insurance calculator Hawaii car insurance calculator Hawaii car insurance calculator View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 9, 2025 Why you can trust Insure.com Quality Verified 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. If you drive in Hawaii, you know how essential car insurance is – but finding the right coverage at a price you can afford isn’t always simple. That’s why we created the Hawaii car insurance calculator.It uses your vehicle’s make and model to estimate your average annual and monthly premiums in Hawaii, giving you the insight you need to confidently choose coverage. How to use our car insurance calculator to estimate your rates in HawaiiOur calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.Step 1: Choose the model year of your car.Step 2: Choose the make and model of your car.Step 3: Choose your state.Step 4: Click on the “Get My Rates” button to get a car insurance estimate.Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices. Hawaii car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. 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 MinimumNA* Liability coverage$673/year Full Coverage$1,753/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? 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 - + 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 2025Powered by:Does your vehicle model affect car insurance rates in Hawaii?A vehicle’s make and model can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.For example, full coverage for a Honda Accord LX costs $1,490 per year, while the average premium for a Honda CR-V in Hawaii is $1,261 – a difference of $229.Does your car’s model year affect insurance rates in Hawaii?In Hawaii, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $1,040 per year, while the 2024 model costs $1,478 annually to insure. Quick tip: Review your state’s minimum insurance requirements before choosing a policyEach state sets its own minimum car insurance requirements, and Hawaii is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:Bodily injury liability per person and per accidentProperty damage liabilityThese limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.Driving without the required coverage in Hawaii can lead to fines, license suspension and even vehicle impoundment. 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 How your car’s trim affects insurance rates in HawaiiYour car’s trim level plays a big role in determining your insurance premium. Insurers consider the vehicle’s value, repair costs, safety features and theft risk when setting rates. Higher trims with upgraded technology or powerful engines often have higher premiums since they’re more expensive to repair or replace.For example, a 2023 Honda Accord LX costs $1,040 per year to insure in Hawaii, whereas the EX-L trim costs $902, a difference of $138 annually.Trims that include luxury upgrades, like a premium sound system, often cost more to insure because they raise the vehicle’s overall value. Similarly, performance-focused trims with larger engines may increase premiums due to a greater risk of accidents or speeding. You might find interesting Explore related topics Average car insurance cost in HawaiiCar insurance calculator for teens in HawaiiCheapest SR-22 insurance in HawaiiDo you need insurance to register a car in Hawaii?Hawaii car insurance: Rates, state minimum requirements and best companiesLow-cost car insurance in HawaiiNon-owner car insurance in Hawaii: Which company has the cheapest rates?The best, cheapest car insurance in HawaiiSee more Average car insurance costs in HawaiiThe average annual premium for a full coverage car insurance policy in Hawaii is $1,721 or $143 per month. However, your actual premium may differ depending on your chosen coverage level.Below are estimated costs for various coverage levels in Hawaii, but your actual rate will depend on personal factors such as your vehicle, driving history, and other details.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,721$143Liability Only – 50/100/50 BI/PD$603$50State Minimum BI/PD$425$35Non-Owners$333$28Powered by:How much is car insurance in Hawaii by cityIn Hawaii, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in Captain Cook pay about $1,857 per year for a full coverage policy, where as drivers in Anahola pay $1,533 annually.Top 20 cities with cheapest car insurance rates in HawaiiCityAvg. Annual PremiumAvg. Monthly PremiumAnahola$1,533$128Eleele$1,533$128Hanapepe$1,533$128Kalaheo$1,533$128Kapaa$1,533$128Kaumakani$1,533$128Kealia$1,533$128Kekaha$1,533$128Kilauea$1,533$128Koloa$1,533$128Lihue$1,533$128Makaweli$1,533$128Princeville$1,533$128Wainiha$1,533$128Lanai City$1,595$133Kaunakakai$1,637$136Kualapuu$1,637$136Maunaloa$1,637$136Kalaupapa$1,650$137Haiku-Pauwela$1,670$139Powered by:Top 20 cities with most expensive car insurance in rates HawaiiCityAvg. Annual PremiumAvg. Monthly PremiumCaptain Cook$1,857$155Fern Acres$1,857$155Hakalau$1,857$155Hawaii National Park$1,857$155Hawaiian Acres$1,857$155Hawaiian Ocean View$1,857$155Hawaiian Paradise Park$1,857$155Hawi$1,857$155Hilo$1,857$155Honalo$1,857$155Honaunau$1,857$155Honokaa$1,857$155Honomu$1,857$155Kapaau$1,857$155Kealakekua$1,857$155Keauhou$1,857$155Laupahoehoe$1,857$155Naalehu$1,857$155Ninole$1,857$155Ookala$1,857$155Powered by:Want to know what you’ll pay? Use the Hawaii car insurance calculatorUse the Hawaii car insurance calculator to get an estimate based on your location, vehicle make and model year. Enter your details to get a tailored estimate, but remember-final rates may differ, so it’s wise to compare quotes from different insurers to find the best deal. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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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Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2026? How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in HawaiiDoes your vehicle model affect car insurance rates in Hawaii?Does your car's model year affect insurance rates in Hawaii?How your car's trim affects insurance rates in HawaiiAverage car insurance costs in HawaiiHow much is car insurance in Hawaii by cityWant to know what you'll pay? Use the Hawaii car insurance calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330