Average Car Insurance Cost in Hawaii (2025)
Drivers in Hawaii pay an average of $106 per month for car insurance.
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Written byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited byMatthew Gross
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Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Table of contents
Drivers in Hawaii pay monthly averages of $73 for liability-only coverage and $139 for full coverage. Hawaii’s auto insurance rates are typically lower than the national average.
Like in most of the country, car insurance rates in Hawaii have risen recently. But Hawaii is still one of the least expensive states for car insurance, partly due to its relatively low minimum coverage requirements. Learn more about car insurance costs in Hawaii, how different factors affect your rates, and how to save money on your policy.
Quick Facts
Hawaii drivers pay an average of $873 annually for liability-only insurance and $1,668 annually for full coverage.
Hawaii is one of the cheapest states in the country for car insurance.
Hawaii drivers with speeding tickets on their records pay 38% more on average for car insurance than drivers with clean records.
How much is car insurance in Hawaii?
Hawaii drivers pay an average of $106 per month for car insurance, which comes out to $1,271 per year. On average, Hawaii residents pay $73 per month — $873 annually — for liability coverage. For full-coverage insurance, drivers pay $139 monthly, which adds up to $1,668 per year.
Full-coverage car insurance is more expensive than liability-only coverage because it includes both collision and comprehensive coverage. But your exact rate will vary based on factors like age, gender, and driving habits.
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How Hawaii car insurance rates have changed over the past two years
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To find car insurance rates in Hawaii and the U.S. over the last two years, download our data here.
The average yearly price for full-coverage car insurance in Hawaii rose to about $1,500 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, even more than in Hawaii.
See how Hawaii car insurance prices have changed over the past two years below.
Average Hawaii Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Hawaii car insurance rates by age and gender
Your age and gender have a significant effect on your car insurance rates. While Hawaii insurers can’t deny you a policy based on these factors, they can use them when determining your premiums.[1] Younger drivers and male drivers typically pay higher rates, as they tend to file more claims.
Take a look at the table below to see how rates vary in Hawaii based on age and gender, according to Insurify data.
Age  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $149 | $280 |
| 18 | $135 | $255 |
| 20 | $92 | $173 |
| 25 | $82 | $154 |
| 30 | $71 | $134 |
| 40 | $65 | $124 |
| 50 | $60 | $111 |
| 60 | $56 | $104 |
| 70+ | $60 | $112 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $135 | $254 |
| 18 | $123 | $231 |
| 20 | $84 | $157 |
| 25 | $74 | $140 |
| 30 | $65 | $122 |
| 40 | $59 | $112 |
| 50 | $54 | $101 |
| 60 | $50 | $94 |
| 70+ | $54 | $102 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Hawaii
The Toyota Tacoma was the most popular vehicle in Hawaii in 2024, followed by the Toyota 4Runner, according to data from Edmunds.[2] The Tesla Model Y, Toyota RAV4, and Toyota Corolla round out the top five.
The Tacoma, 4Runner, and RAV4 are all reliable cars known for their offroading abilities and storage capacity. These types of vehicles come in handy for many recreational activities in Hawaii, which might explain their popularity. Toyota is also one of the most popular and reliable brands in the world and is very popular across the country.
The table below shows the average rates for Hawaii’s most popular cars, according to Insurify data.
Vehicle | Average Monthly Quote |
|---|---|
| Toyota Tacoma | $120 |
| Toyota 4Runner | $122 |
| Tesla Model Y | $216 |
| Toyota RAV4 | $118 |
| Toyota Corolla | $144 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Hawaii
Your driving record has one of the most significant effects on your car insurance rates. It tells insurers what kind of driver you are and how they should assess your risk level. If you have infractions on your record, you’ll pay higher rates than someone with a clean driving history.
How much more you pay depends on the type of infraction. For example, a DUI can increase your rates significantly, but you’ll see a smaller increase if you get a speeding ticket. Look at the table below to see how your driving record affects your full-coverage car insurance rates in Hawaii, according to Insurify data.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $183 | 43% |
| With speeding ticket | $177 | 38% |
| With DUI | $209 | 63% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to lower your insurance costs in Hawaii
Hawaii has some of the cheapest car insurance rates in the country, but you can take steps to save even more money. Here are a few ways to reduce your insurance costs:
Maintain a clean driving record
Insurance companies consider your driving history when setting rates, so keeping your driving record clean can help you get lower rates.
Apply for discounts
Car insurance discounts are one of the best ways to reduce your rates. Most insurers offer numerous discounts, so you should be able to find one that works for you.
Choose the right coverage level
Buy only the coverage you need. Liability coverage may be sufficient if you have an old car or don’t drive often. But if you commute daily or have a newer car, you might want to purchase full-coverage insurance.
Raise your deductible
If you can afford it, consider increasing your car insurance deductible. Raising your deductible will lower your premiums — but you’ll pay more out of pocket if you’re in an accident.
Compare car insurance quotes
Every insurance company is different, so you may find varying rates for the same coverage. Comparing auto insurance quotes can help you find the right coverage at the best price.
Hawaii average car insurance cost FAQs
Finding the right car insurance can be challenging. Below, we’ve answered some of the most commonly asked questions about the average car insurance cost in Hawaii.
The average cost of car insurance in Hawaii is $1,271 per year. Drivers pay an average of $873 per year for liability insurance and $1,668 for full coverage.
State Farm is the cheapest car insurance company in Hawaii, with an average monthly rate of $40 for liability-only coverage.
The average cost of car insurance per month in Hawaii is $106. Drivers pay a monthly average of $73 for liability coverage and $139 for full coverage.
State Farm, Allstate, and Midvale Home & Auto are among Hawaii’s best auto insurance companies. Each offers a unique combination of affordability, coverage, and discounts. But the best auto insurance company for you may differ, as every company determines rates differently. It’s important to compare quotes from multiple insurers before buying a policy.
Hawaii requires drivers to purchase a minimum of $20,000 per person and $40,000 per accident in bodily injury liability coverage and $10,000 per accident in property damage liability coverage.[3]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- State of Hawaii Department of Commerce and Consumer Affairs. "Motor Vehicle Insurance."
- Edmunds. "Most Popular Cars in America."
- State of Hawaii Department of Commerce and Consumer Affairs. "Motor Vehicle Insurance Information."
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Danny Smith
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.