Car insurance in Hawaii costs between $35 and $143 per month on average, depending on the level of coverage you carry. Drivers with the state’s minimum required coverage pay around $35 per month, while those with full coverage pay approximately $143 per month.
Hawaii is one of the most affordable states for car insurance in the country, typically ranked in the top five nationally for affordability. Rates run well below the national average, driven in large part by Hawaii’s unique consumer protection laws: unlike every other state, Hawaii prohibits insurers from using age, gender, or credit score as rating factors. That means teen drivers, older drivers, and those with imperfect credit all pay rates comparable to the average adult driver.
| Coverage Type | Average Monthly Range | Average Annual Range |
|---|---|---|
| State Minimum (40/80/20 + PIP) | $35 - $50/month | $425 - $600/year |
| Full Coverage (Standard) | $107 - $143/month | $1,284 - $1,721/year |
| Full Coverage (Range Across Drivers) | $82 - $151/month | $984 - $1,812/year |
Source: insure.com
Note: Rates are based on averages and may not reflect your specific profile.
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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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:
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!
| Coverage | New Minimum | Previous Minimum |
|---|---|---|
| Bodily Injury Liability (per person) | $40,000 | $20,000 |
| Bodily Injury Liability (per accident) | $80,000 | $40,000 |
| Property Damage Liability (per accident) | $20,000 | $10,000 |
| Personal Injury Protection (PIP) | $10,000 | $10,000 (unchanged) |
Note: Coverage requirements may vary by state and policy type.
Hawaii’s minimums are now commonly written as 40/80/20. The previous 20/40/10 requirement was in place for many years; the 2026 update doubled liability coverage limits to better reflect the rising cost of medical care and vehicle repairs.
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Hawaii is a no-fault state. After any car accident, each driver first files a claim with their own insurance company’s Personal Injury Protection (PIP) coverage, regardless of who caused the accident. PIP covers your medical bills, rehabilitation costs, lost wages, and certain other expenses up to your policy limit.
The no-fault system keeps minor accident claims out of court and speeds up claims processing. However, Hawaii’s no-fault system has a key limitation known as the tort threshold:
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.
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:
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.
| Company | Full Coverage (Monthly Range) | Best For |
|---|---|---|
| GEICO | $66 - $104/month | Overall cheapest; teen drivers; drivers with violations |
| Farmers | $72 - $108/month | Budget full coverage; second-cheapest overall |
| Island Insurance | $80 - $110/month | Hawaii local insurer; strong regional presence |
| State Farm | $87 - $161/month | Customer service; drivers with a DUI |
| Progressive | $107 - $125/month | High-risk drivers; rideshare coverage |
| USAA | Competitive (military only) | Military members, veterans, and qualifying family |
Source: insure.com
Note: Rates are based on averages and may not reflect your specific profile.
| City / Island | Approximate Full Coverage Annual Range |
|---|---|
| Honolulu (O'ahu) | $1,400 - $1,800/year |
| Pearl City (O'ahu) | $1,300 - $1,650/year |
| Hilo (Big Island) | $1,250 - $1,550/year |
| Maui | $1,300 - $1,700/year |
| Kauai | $1,200 - $1,600/year |
Source: insure.com
Note: Rates are based on averages and may not reflect your specific profile.
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:
By taking charge and understanding your insurance, you’re bound to find affordable Hawaii auto insurance.
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Yes, Hawaii is a no-fault state. After an accident, each driver’s own PIP insurance covers their medical costs regardless of fault. However, Hawaii uses a modified no-fault system: you can step outside the no-fault system and sue the at-fault driver if your medical bills exceed $5,000 or your injuries involve permanent disfigurement or loss of function. Property damage claims are not covered by no-fault — those go through the at-fault driver’s liability coverage.
Hawaii’s below-average premiums are driven by several factors: Hawaii prohibits using age, gender, and credit score as rating factors (reducing rate variation). The state also has lower average annual mileage per driver, reducing accident exposure. Additionally, Hawaii’s no-fault PIP system reduces costly litigation. The trade-off is that parts and repairs cost more due to geographic isolation, most auto parts must be shipped from the mainland, adding 15–25% to repair bills.
Effective January 1, 2026, Hawaii updated its minimums to 40/80/20: $40,000 per person and $80,000 per accident for bodily injury liability, plus $20,000 for property damage. All policies must also include $10,000 in Personal Injury Protection (PIP). These minimums are commonly written as 40/80/20 and replaced the prior 20/40/10 limits under Act 138.
Yes, if you carry comprehensive coverage, volcanic eruption damage to your vehicle is generally covered. Comprehensive coverage protects against non-collision events including fire, lava flow, falling ash and debris, and other natural disasters. Liability-only or minimum coverage policies do not cover damage to your own vehicle from volcanic activity.
GEICO consistently offers the lowest average rates in Hawaii, with full coverage from around $66–$104 per month. Farmers is typically second-cheapest. Island Insurance, a Hawaii-based regional carrier, is also highly competitive. USAA offers the lowest rates for military members and veterans. The best way to find the cheapest rate for your specific profile is to compare quotes from at least three to five insurers.
Driving without insurance in Hawaii results in a $500 fine and a 3-month license suspension for a first offense. Repeat violations within a five-year period carry a $1,500 minimum fine and a 1-year suspension. You also remain personally liable for all damages in any accident you cause, which can include medical bills, lost wages, and vehicle repairs, potentially totaling hundreds of thousands of dollars.
Explore state-by-state car insurance trends to understand where drivers pay less on average.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
