The Aloha State is known for more than just its stunning beaches and surfing. It has a rich, ancient culture and natural landmarks that make it one of the most popular tourist destinations in the world, and many people dream of relocating to one of the islands.
Hawaii may have the highest cost of living in the country, but car insurance in the state is surprisingly inexpensive. However, how much you’ll pay depends on several factors, such as your location, age, and driving record.
- Key takeaways
- How much does car insurance cost in Hawaii?
- Average cost of car insurance in Hawaii by provider
- How does credit score affect car insurance rates in Hawaii?
- Average car insurance rates for high-risk drivers in Hawaii
- How does age affect car insurance rates in Hawaii?
- Hawaii car insurance rates by city
- HI’s minimum car insurance requirements
- How to save money on car insurance in Hawaii
- FAQs about car insurance costs in HI
- The average cost of car insurance in Hawaii is $1,338 per year for full coverage.
- State-minimum liability coverage averages $556 per year.
- On average, teen drivers cost $1,245 per year.
How much does car insurance cost in Hawaii?
Car insurance is relatively inexpensive despite the high cost of other expenses in Hawaii. Full coverage policies that include liability, collision, and comprehensive insurance average $1,338 per year, while state-minimum coverage averages just $556 per year.
Part of the reason for the lower premiums is that Hawaii has lower coverage minimum requirements than many other states. Drivers in Hawaii also tend to drive fewer miles than the national average.
|Avg. cost for full coverage||Avg. cost for minimum coverage||Cheapest insurance provider|
|Avg. for young drivers||Avg. cost for seniors||Avg. for high-risk drivers|
Average cost of car insurance in Hawaii by provider
Many insurance companies underwrite policies in Hawaii, including large and small insurers. We found that GEICO has the lowest average premiums for full coverage policies in Hawaii, while USAA is the cheapest for state-minimum coverage.
|Provider||Full coverage||Minimum liability coverage|
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How does credit score affect car insurance rates in Hawaii?
In most states, insurance companies can partially base premiums on drivers’ credit scores. As a result, getting coverage with poor credit can cost thousands more than the state average.
But that practice isn’t permitted in Hawaii; the state’s statutes specifically prohibit the use of credit information in determining premiums or underwriting. Consequently, there is little difference in premiums between those with poor credit and those with excellent credit in Hawaii, and the variation in premiums is due to other factors, such as location.
|Credit health||Avg. annual premium|
Average car insurance rates for high-risk drivers in Hawaii
Although driving safely no matter where you live is important, it’s especially critical in Hawaii, where penalties for driving under the influence (DUI) or reckless driving are steep. For example, ignition interlocks — which prevent a vehicle from starting if the driver has a blood alcohol level above a certain level — are required for all convicted offenders, even if it’s their first offense.
Plus, a DUI conviction can cause your car insurance premiums to skyrocket way more compared to the state average.
|Violation||Avg. annual premium before violation*||Avg. annual premium after violation||Avg. cost increase|
*Assumes clean driving record with good credit
How does age affect car insurance rates in Hawaii?
Young, inexperienced drivers are more likely to be involved in accidents than other groups, so insurers tend to charge them much higher premiums. However, that effect is not evident in Hawaii.
|Age||Avg. annual premium|
Hawaii car insurance rates by city
Living in a city typically results in higher car insurance rates due to increased congestion and crime rates. Insurers charge higher premiums to offset the greater risk of filing a claim.
Mililani has the highest average premium among cities in the state. According to NeigborhoodScout, the city has a crime rating of 23, meaning 77% of cities in the U.S. are safer.
|City||Avg. annual full-coverage premium|
HI’s minimum car insurance requirements
Although Hawaii requires all drivers to have car insurance, its minimum requirements are lower than the minimums of many other states. Drivers must have policies that meet these coverage minimums:
- $20,000 in bodily injury protection
- $40,000 in bodily injury protection for two or more people
- $10,000 in property damage coverage
- $10,000 in personal injury protection (PIP)
How to save money on car insurance in Hawaii
To save money on car insurance in Hawaii, follow these tips:
- Increase the deductible: Your deductible is how much you must pay for repairs or injuries before your insurer starts paying out the claim. The higher the deductible, the lower your premiums will be, so increasing your deductible can help you save money on your premium.
- Take advantage of discounts: Ask your agent about potential discounts, such as discounts for bundling car insurance with homeowners coverage or completing a safe driving course.
- Research your options: Get in the habit of shopping for car insurance at least once a year. You may find that you can find cheaper coverage from a different company, so switching insurers may help you save money. You can get started by requesting quotes from the best car insurance companies.
Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.
FAQs about car insurance costs in HI
Is car insurance expensive in HI?
Car insurance is relatively inexpensive in Hawaii. The average annual cost of full coverage policies is $1,338 — which compares to a national average of $1,582.
How much is car insurance per year in HI?
The average cost of car insurance in Hawaii is $1,338 per year for full coverage policies. Drivers that opt for state-minimum liability insurance pay an average of $556 per year.