Claire Smith Last Updated On: July 25, 2023

Automobile Insurance in The Aloha State

With 137 islands and over 9500 miles of road, Hawaii has lots of beautiful country to experience. Like the rest of the 50 states, Hawaiian drivers need to carry auto insurance. 

This article is going to cover everything you need to know about Hawaii car insurance. 

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Table of Contents

How Much is Car Insurance in Hawaii?

Car insurance costs money. That’s not exactly a shocking statement. But what might be more surprising to hear that Hawaiians pay about 30% less for car insurance than the average American. 

That’s right, the average price of car insurance in the Aloha state is $1 088 annually, which is well below the national average. 

But the average cost does not necessarily reflect what you yourself can expect to pay for car insurance in the state. This is because the cost of car insurance is heavily dependent on factors such as:

  • Age 
  • Gender 
  • Location
  • Driving history
  • Claims history
  • Vehicle make/model 
  • Coverage amounts
  • Deductible size

Note: Hawaii is one of the few states that does not take credit score into account when pricing insurance. 

Keep reading to learn how you can find the cheapest car insurance in Hawaii to suit your individual needs!

Minimum Coverage Requirements in Hawaii

You have to carry car insurance in order to drive; that’s the law. 

Driving without insurance comes with severe legal ramifications as well as significant risk to your financial health. 

The minimum coverage requirement is the state-mandated amount of coverage that every driver is required to have. In Hawaii, the minimum coverage requirements are as follows:

  • $10 000 per person for Personal Injury Protection
    • Note: Hawaii is a no-fault state meaning that every driver is responsible for their own medical bills, regardless of who is at-fault. 
  • $20 000 per person and $40 000 per accident for Bodily Injury to Others
  • $10 000 per accident for Property Damage Liability

The average cost for a minimum coverage policy in Hawaii is $370 annually.

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Additional Car Insurance Coverages

While the legal minimum insurance is certainly the cheapest option on the market, insurance experts advise carrying more insurance so that you’re covered in a variety of different circumstances. 

A standard car insurance plan will have both comprehensive and collision coverage in addition to the minimum coverages. 

  • Collision Coverage looks after expenses that result from damages to your vehicle during a collision. 
  • Comprehensive Coverage looks after other non-collision related expenses such as theft or vandalism. 

If you are loaning or leasing your vehicle, chances are that a standard full coverage car insurance plan will be mandatory. 

There are also some fancier coverage options that you could add to your policy to secure yourself in even more situations. Here are some coverage options available in Hawaii:

  • Loan/Lease Payoff Coverage provides some additional coverage beyond the current value of your vehicle to ensure that you can still pay off your loans. For example, if your leased car is stolen after two years, normal comprehensive coverage would only insure what the vehicle is currently worth. Loan/Lease Payoff insurance accounts for the depreciated value since the initial purchase. 
  • Wage Loss Coverage helps compensate for any loss of wages caused by missing work due to a collision. 
  • Death and Funeral Expenses Coverage is one of those coverages you don’t want to think about needing. But, should the worst happen, this coverage can help pay for funeral and other end-of-life expenses should there be any casualties in a vehicle collision. 
  • Rental Car Reimbursement Coverage can help fund the use of a rental car while your insured vehicle is being repaired for a covered peril. 
  • Roadside Assistance is a very useful add-on to an insurance policy that offers access to tow-truck services, navigation help, etc. 
  • Uninsured/Underinsured Motorist Coverage is for those conflicts where the other party does not have sufficient coverage for their share of the damages. Having uninsured/underinsured protection means that your insurance company can help with the expenses which should be the responsibility of the other driver. 

At the risk of sounding full of ourselves…insurers really have thought of everything! 

Carrying a car insurance policy with all different kinds of coverages protects you in any unfortunate situation you might find yourself in. While these additional coverages do cost money, it’s still very possible to find thorough and cheap car insurance in Hawaii. 

Saving Money on Car Insurance in Hawaii

As we already mentioned, Hawaiians already have an edge thanks to their cheaper-than-average insurance rates. Here’s some more advice on how to avoid overpaying for car insurance: 
  • Compare car insurance quotes! 
    • Insurance companies are constantly offering new and different policies at competitive prices, so don’t take the first policy you find. Shop around instead! 
    • P.S. Consumer Coverage can help you get access to car insurance quotes in Hawaii.
  • Practise safe driving!
    • Not only do many insurance companies offer safe driver discounts but keeping your driving record clear usually means your rates will automatically drop year after year. So keep that record squeaky clean. 
  • Do your research!
    • Informed customers make good financial decisions. And that’s a cold hard fact. 
    • Deeply consider what coverages you require, which insurance companies have the best rates, and what discounts you’re eligible for. 
  • Consult the insurance experts!
    • Of course you should do your own research so that you have the best understanding of how your insurance policy works. 
    • But insurance can be complicated (trust us, we get it), so don’t be afraid to ask insurance agents and brokers all of your questions. 
By taking charge and understanding your insurance, you’re bound to find affordable Hawaii auto insurance. 

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Best Car Insurance Companies in Hawaii

According to a recent study by, the three insurance companies offering the cheapest rates in Hawaii are:

  • USAA
  • Shelter Insurance 
  • Farmers 

While these trusted companies have the best rates on average, they don’t necessarily have the best price for all drivers on all policies. For example, State Farm has the best rates for drivers who have a DUI on their record. 

This variation is precisely why we recommend comparing various Hawaii car insurance quotes against each other to find the best price. 

Cheapest Hawaiian Car Insurance by City

Insurance companies spend a ton of time calculating risk based off statistics. The city that you live in may have less accidents or less young drivers than the one a few miles away. This is precisely why insurance rates differ between cities.  Right now, the cheapest car insurance rates in Hawaii can be found in the following cities:
  • Pearl city
  • Honolulu
  • Waipahu
  • Lailua
  • Hilo 
It might be worth taking car insurance rates into consideration if you’re thinking of moving. 

ConsumerCoverage Helping Hawaiians with Auto Insurance

ConsumerCoverage has been helping Americans across the country save money and find the best insurance policies on the market for years now. 

Consult more of our blogs, videos, and other resources for more information. Or reach out directly! 

We can also provide access to Hawaii auto insurance quotes, so please do contact us! We’re happy to help.  

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