Car insurance calculator for teens in Hawaii

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Car insurance for teens in Hawaii costs more than it does for older drivers, but the price depends on factors like age, gender, coverage limits, and the insurer you choose. Knowing the state averages can help you budget, compare quotes, and figure out what’s realistic for your family.

Use our calculator to estimate what you might pay to insure your teen in Hawaii. Getting a personalized estimate can help you budget with confidence, compare against state averages, and decide which coverage and insurer are the best fit.

Car insurance calculator for state teens

State

Hawaii

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Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

Filter

Average annual rates for state teen drivers

$1,747 Average rate

$2,560 Highest
rate

$1,167 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Allstate	$2,560
Progressive	$1,969
State Farm	$1,938

Least expensive companies for auto insurance in ()

Company	Average annual rate
USAA	$1,167
GEICO	$1,332
Farmers	$1,495

Average teen car insurance costs in Hawaii

On average, insuring a teen driver in Hawaii costs $1,639 per year for a policy with 100/300/100 coverage limits – that’s $100,000 for one person injured in an accident, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Because teens are new to the road, insurers view them as higher risk, which makes their premiums much steeper than those of adults.

Your rate may also change based on the coverage you select, the type of car your teen drives, and where you live. Families in Hawaii can save money by asking about good student discounts, signing up teens for a driving course, or adding them to an existing family policy.

Teen car insurance rates in Hawaii, by age

Rates change quickly as teens get older. For example, a full coverage policy for a 16-year-old in Hawaii averages $1,747 per year. At 19, the average falls again to $1,545.

Premiums are still higher than those for adult drivers, but the steady decline shows how experience behind the wheel helps bring costs down over time.

See the table below for average teen car insurance rates in Hawaii by age.

Teen car insurance in Hawaii, by gender

In most states, insurers can use gender when setting rates. California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania are the exceptions. In Hawaii, a 16-year-old male driver pays about $1,747 annually, while a female of the same age pays $1,747 – a difference of $0.

Crash statistics back up this difference. The Insurance Institute for Highway Safety reports that 3,048 teenagers ages 13-19 died in vehicle crashes in 2023, and two out of three were male. Because young men are more often involved in serious accidents, insurers factor that risk into premiums.

The table below shows average teen car insurance rates in Hawaii by gender.

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Cheapest teen car insurance companies in Hawaii

Teen car insurance is expensive everywhere, but rates vary widely from one company to another. Shopping around is the best way to find the lowest price.

In Hawaii, GEICO offers the cheapest coverage for drivers ages 16-19, averaging $1,332 per year for full coverage with 100/300/100 limits and $500 deductibles.

The next lowest average premium comes from Farmers at $1,495.

The table below lists the cheapest insurers for teen drivers in Hawaii.

Minimum car insurance requirements for teens in Hawaii

Like adults, teen drivers in Hawaii must carry at least the state’s minimum liability coverage:

• $20,000 per person for bodily injury
• $40,000 per accident for bodily injury
• $10,000 for property damage

These minimums provide only basic protection, and medical care or repairs costs can quickly exceed them. That’s why many families choose higher coverage – especially when adding a teen driver.

Lenders will also require comprehensive and collision coverage if your car is financed or leased. These cover damage to your own vehicle after an accident, theft, or severe weather.

Ways to save on teen car insurance in Hawaii

While teen premiums are high, there are steps you can take to lower costs without cutting back on safety:

• Check averages first. Knowing what others pay in your state helps you budget and spot quotes that are too high.
• Choose a practical car. A safe, modest sedan is much cheaper to insure than a luxury or sports model.
• Go beyond liability. Full coverage is pricier but offers better protection against accidents, injuries, and damage.
• Use discounts. Good grades, safe driving programs, and low mileage can all reduce premiums.
• Talk about responsibility. Help your teen understand that safe driving protects both lives and finances.
• Review each year. Rates usually drop as teens gain experience and keep a clean record, so revisit your policy annually.

Helping your teen start off safely on the road

Adding a teen to your policy will raise your rates at first, but those costs don’t stay high forever. With each year of safe driving, premiums generally go down.

You can lower expenses by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules – it’s about protecting your finances and giving your young driver a safe, confident start on the road.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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.

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