Average car insurance cost in Hawaii
Hawaii is one of the cheapest states in the country for car insurance, ranking #8 of 51. Drivers here pay about 27% less than the national average — roughly $684 a year back in your pocket compared with a typical American driver.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Hawaii compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Hawaii next to nearby states:
| State | Full coverage /mo | Difference vs HI |
|---|---|---|
| Hawaii | $151 | — |
| California | $221 | +$70/mo |
| Alaska | $170 | +$19/mo |
Hawaii car insurance FAQ
How much is car insurance in Hawaii?
Full-coverage car insurance in Hawaii averages $151 per month ($1,812 per year). A state-minimum liability policy averages $50 per month ($600 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Hawaii more expensive than average?
No. Hawaii's full-coverage average of $151/month is about 27% below the U.S. average of $208/month, ranking #8 of 51 (1 = cheapest).
Is Hawaii a no-fault state?
Yes. Hawaii uses a no-fault system, meaning drivers carry personal injury protection (PIP) and file injury claims with their own insurer regardless of who caused the accident. No-fault requirements are one reason premiums here run higher.
How much cheaper is minimum coverage in Hawaii?
Minimum liability in Hawaii averages $50/month versus $151/month for full coverage — a gap of $101/month, or $1,212/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.