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Hawaii’s auto insurance prices are higher than the US average. However, that shouldn’t prevent you from getting affordable, high-quality auto insurance in the Aloha State. The average cost of car insurance in Hawaii varies depending on several factors, but we’ll start by looking at the most economical providers and coverage choices. We’ll examine the state’s most affordable auto insurance firms and plans here.
In Hawaii, a basic coverage auto insurance policy typically costs $30 per month, but a comprehensive coverage policy often costs $69 per month. Plans that meet various demands and budgets can be discovered that are dependable and reasonably priced.
Age, coverage type, place of residence, driving history, credit history, and other variables can all affect rates. Every one of them influences the cost of your auto insurance. Remember that having good credit and a spotless driving record can lower your premiums.
Also Read: How Weather Affects Your Car Insurance Rates in the U.S.
Hawaii Car Insurance Rates by City
Insurance costs also vary because risk factors fluctuate between cities and ZIP codes. However, typical city rates are not as different from those of other states.
Roads in larger cities are typically more congested, which increases average rates and the number of accidents. The average rate may be greater in areas where theft and vandalism are more common. The average premiums in a few of Hawaii’s most significant cities are contrasted here.
| City | Avg. Monthly Full Coverage | Avg. Annual Full Coverage |
| Anahola | $70 | $836 |
| Laupahoehoe | — | $1,204 |
| Hilo | — | $1,726 |
| Honolulu | $117–$125 | $1,408–$1,494 |
| Kailua | $120 | $1,436 |
| Pearl City | $117 | $1,406 |
Average Car Insurance Costs by Age and Gender in Hawaii
While age significantly determines auto insurance premiums in many jurisdictions, Hawaii forbids auto insurance firms from using age as a rating factor. Because of this, average car insurance prices in Hawaii tend to be similar for all age groups.
However, teens covered by their parents’ coverage might see a slight difference in premiums. Assuming all other rating elements are comparable, men and women should pay the same amount for motor insurance, as it is illegal in Hawaii to base premiums on gender.
| Age Group | Average Annual Premium | Average Monthly Premium |
| 22–29 | $1,200–$1,600 | $100–$133 |
| 30–59 | $1,200–$1,600 | $100–$133 |
| 60+ | $1,200–$1,600 | $100–$133 |
Car Insurance Rates in Hawaii by Credit Score
Credit history is another factor that Hawaii does not allow insurance carriers to consider when rating auto insurance policies. Credit-based insurance scores do not impact car insurance rates in Hawaii.
Cheapest Car Insurance Companies in Hawaii
Even within the same state, auto insurance quotes from different carriers might differ dramatically. With an annual premium of $601, GEICO provides the most economical full coverage in Hawaii, while Progressive offers the most costly policy, costing approximately $1,095 annually.
Comparing quotes from several insurance companies is necessary to find the best deal on auto insurance in Hawaii. Identifying the most economical solutions for minimum coverage auto insurance can result in significant savings.
| Company | Avg. Annual Full-Coverage Premium |
| GEICO | $940 |
| USAA (military) | $1,116 |
| Island Insurance Group | $1,303 |
| Farmers | $1,335 |
| Progressive | $1,478 |
| State Farm | $1,528 |
| Allstate | $1,578 |
Cost for Driving Record in Hawaii
If you have any moving violations on your record, it is the one area where your Hawaii auto insurance prices may fluctuate significantly. In Hawaii, a single speeding ticket conviction or an at-fault collision will typically result in a considerable increase in your annual car insurance costs.
DUIs may have even more consequences and may make obtaining insurance more challenging. Hawaii’s average cost of auto insurance varies considerably based on a driver’s driving history.
- With a ticket: $998 annually; $83 monthly
- In the event of an at-fault collision: $1,211 annually; $101 monthly
- With a DUI: $268 monthly; $3,212 annually
Costs for insurance are frequently greater for more serious infractions. A violation of your record will still impact your payment amount. The length of time a violation remains on your record varies by state. A DUI in Hawaii may affect your auto insurance rates for ten years and remain on your driving record for up to ten years.
Using the supplied table, you may find out how much insurance typically costs in Hawaii for different driving records. It is broken down by age group and coverage.
| Driving Incident | Avg. Annual Premium in HI | % Increase from Clean Record |
| Clean driving record | $1,431/year | — (baseline) |
| Speeding ticket | $1,555/year | ~9% increase |
| At-fault accident | $1,707/year | ~19% increase |
| DUI conviction | $4,490/year | ~214% increase |
How much is auto insurance in Hawaii for good and poor credit scores? Credit score is not a consideration when providing car insurance in Hawaii.Â
Also Read: Car Insurance Discounts You Probably Didn’t Know About
Conclusion
The best and most affordable auto insurance for residents of the Aloha State can usually be found with Geico, State Farm, USAA, and Progressive. These businesses offer good coverage at competitive pricing and assistance from insurance brokers.
Auto insurance prices can vary depending on several factors, although Hawaii takes fewer into account than many other states. Beem developed a useful rate estimation tool to give drivers an idea of what they anticipate paying. All you have to do is input a few simple details, and get the best personalized car insurance quotes.
FAQs on Average Cost of Car Insurance in Hawaii
What Is Full Coverage Car Insurance in Hawaii?
In Hawaii, optional collision and comprehensive insurance are also included with full coverage. Therefore, a full coverage policy averages $1,434 annually in Hawaii, whereas a state minimum policy costs $432 annually.
How much car insurance do I need in Hawaii?
Hawaii has minimum vehicle insurance requirements of $20,000 per person for bodily injury liability, $40,000 per accident for bodily injury liability, $10,000 per accident for property damage liability, and $10,000 per person for personal injury protection (PIP). Drivers must have documentation of this minimal coverage to abide by state rules.
What is the monthly insurance cost in Hawaii?
Drivers and insurers will have different estimates for the cost of auto insurance in Hawaii. However, according to data analysis, the average monthly cost of basic coverage in Hawaii is $32, while the average monthly cost of full coverage is $133.
