Auto Insurance Costs in Hawaii (HI)
Drivers in Hawaii pay 25.1% less than the national average for auto insurance. The average annual premium for full coverage is $1,254 ($104/month).
Updated July 2026Minimum Auto Insurance Requirements in Hawaii
Hawaii requires all drivers to carry minimum liability coverage of 20/40/10 (bodily injury per person / bodily injury per accident / property damage).
What does 20/40/10 mean?
The three numbers represent your minimum coverage limits (in thousands of dollars): the first is the maximum per person for injuries you cause, the second is the total maximum per accident, and the third covers property damage you cause to others.
While minimum coverage meets legal requirements, it may leave you financially exposed in a serious accident. Full coverage adds collision and comprehensive to protect your own vehicle as well.
About 8.0% of drivers in Hawaii are uninsured, which is near the national average of about 12.6%.
What Affects Auto Insurance Rates in Hawaii?
- Your city: Urban areas with heavier traffic typically cost more than rural areas.
- Your driving record: Accidents and tickets raise your rate. Most violations affect your premium for 3-5 years.
- Your vehicle: Newer, more expensive, or higher-horsepower vehicles cost more to insure.
- Your credit score: Hawaii restricts the use of credit scores in insurance pricing, which helps some drivers but can raise rates overall.
- Your age: Drivers under 25 and over 65 tend to pay more, with the highest rates for teenagers.
- Your coverage level: Choosing higher deductibles lowers your premium but increases your out-of-pocket cost if you file a claim.
Auto Insurance Costs by City in Hawaii
Rates vary within Hawaii based on local factors like traffic density, crime rates, and weather patterns.
| City | Population | Annual Cost | Monthly Cost | vs. State Avg |
|---|---|---|---|---|
| Honolulu | 350,964 | $1,354/yr | $113/mo | 8.0% above state avg |
| Pearl City | 47,698 | $1,191/yr | $99/mo | 5.0% below state avg |
Explore Insurance Costs in Hawaii Cities
How to Save on Auto Insurance in Hawaii
- Compare quotes from at least 3-5 companies. Rates can vary by hundreds of dollars for the same coverage.
- Bundle your policies. Many insurers offer 10-25% discounts when you combine auto with home or renters insurance.
- Raise your deductible. Increasing your deductible from $500 to $1,000 can save 15-30% on collision and comprehensive coverage.
- Ask about discounts. Common discounts include safe driver, good student, military, low mileage, and paying in full.
- Review your coverage annually. As your car ages, you may want to drop collision coverage if the premium approaches the car's value.
Frequently Asked Questions About Hawaii Auto Insurance
How much does car insurance cost in Hawaii?
The average cost of full coverage car insurance in Hawaii is $1,254 per year, or about $104 per month. Minimum coverage averages $468 per year. Your actual rate depends on your driving record, credit score, vehicle, and where you live within the state.
Is car insurance expensive in Hawaii?
No, Hawaii has relatively affordable auto insurance compared to the national average.
What is the minimum car insurance required in Hawaii?
Hawaii requires minimum liability coverage of 20/40/10 (bodily injury per person/per accident/property damage, in thousands). This is the legal minimum to drive, but it may not be enough to cover a serious accident.