Hawaii Auto Insurance (2024)
Hawaii auto insurance rates average $87/mo but vary by driving record, state requirements, and company. For example, teen car insurance in Hawaii costs $452/mo, four times higher than average. We'll help you find cheap Hawaii car insurance from the best companies, such as State Farm, and compare quotes.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Hawaii auto insurance is some of the cheapest in the country, with drivers paying up to 27% less for coverage
- USAA, State Farm, and Travelers are often the cheapest insurance companies in Hawaii
- Hawaii is a no-fault state, meaning you’ll need personal injury protection and liability insurance before you can drive
How much is car insurance in Hawaii? Hawaii auto insurance is 27% lower than the national average, or around $87 monthly. Some of the cheapest auto insurance companies in Hawaii are USAA, State Farm, and Travelers. However, there are various factors that affect auto insurance rates, so you could find better prices from other companies.
Read on to learn more about car insurance in Hawaii and which companies might be your best bet for affordable rates. Then, compare Hawaii insurance quotes with as many companies as possible to ensure you get the best policy for you.
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Cheapest Hawaii Auto Insurance Companies
Compared to the rest of the country, Hawaii drivers pay about 27% less for car insurance, with monthly full coverage rates of $87.
However, there are many factors that companies consider when crafting insurance quotes. Your age, driving record, and location can significantly impact your insurance rates.
An excellent way to start looking for car insurance is to compare how rates change for different factors. You can see how much Hawaii auto insurance might cost in the discussion below, but remember that the amount you’ll pay for insurance is unique to you.
Hawaii Minimum Auto Insurance Rates
Most states require drivers to buy a minimum amount of auto insurance, and Hawaii is one of them. You’ll need the following coverage before you can drive in the Aloha State:
- Bodily injury liability: $20,000 per person
- Bodily injury liability: $40,000 per accident
- Property damage liability: $10,000 per accident
- Personal injury protection: $10,000 per person
Liability auto insurance pays for damage and injuries you cause to other drivers in an accident. It also pays legal fees if someone sues you.
Personal injury protection auto insurance is required because Hawaii is a no-fault state. No-fault states limit how much you can sue another driver and require your insurance to cover your medical bills.
Minimum car insurance in Hawaii is your cheapest option for coverage. To know how much minimum auto insurance in Hawaii might cost, check out the rates below:
Liability Auto Insurance Average Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
USAA offers the lowest rates for minimum insurance but has strict eligibility requirements. Only active or retired military members and their families are eligible for coverage. Read more about the best auto insurance for veterans.
If that doesn’t apply to you, the Travelers and State Farm are good alternatives.
Before signing up for a Hawaii minimum insurance policy, know the financial risks. Hawaii requires a fairly low amount of auto insurance to where you could exceed your policy limits. If that happens, you must cover the remaining damages.
Hawaii Auto Insurance Full Coverage Rates
Full coverage auto insurance offers better protection than Hawaii minimum insurance but comes at a higher price. When you purchase a full coverage policy, you buy liability, comprehensive, collision, uninsured motorist, and personal injury protection.
Hawaii doesn’t require drivers to buy full coverage, but you’ll probably need it if you have a loan or lease on your car. There are various factors that affect auto insurance rates, but you can check average prices for full coverage below:
Full Coverage Auto Insurance Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
The cheapest Hawaii auto insurance companies for full coverage are USAA, State Farm auto insurance, and Travelers. USAA auto insurance offers the cheapest average Hawaii auto insurance rates of $44/mo, but only military members and their families can get coverage. The next cheapest is State Farm and Travelers auto insurance, with rates of $64 and $72, respectively.
While they’re not included in full coverage, other popular insurance options in Hawaii include the following:
- Rental car reimbursement
- Roadside assistance
- Custom parts and equipment
- Gap insurance
These policies offer valuable protection to your car, but you should only buy what you need. Purchasing add-ons can dramatically increase your Hawaii car insurance rates.
Hawaii Auto Insurance Rates by Age
Young, inexperienced drivers are the riskiest groups for car insurance companies to cover. The top Hawaii car insurance companies consider young drivers risky because they’re more likely to get into accidents, file claims, and engage in reckless behaviors.
Due to these risks, auto insurance for young adults is more expensive, about $452 monthly in Hawaii. However, your Hawaii car insurance rates will decrease around age 25 if you avoid traffic infractions.
Full Coverage Auto Insurance Monthly Rates by Age and Gender
| Insurance Company | 18-Year-Old Male | 18-Year-Old Female | 30-Year-Old Male | 30-Year-Old Female | 45-Year-Old Male | 45-Year-Old Female | 55-Year-Old Male | 55-Year-Old Female | 65-Year-Old Male | 65-Year-Old Female |
|---|---|---|---|---|---|---|---|---|---|---|
| AAA | $378 | $328 | $103 | $99 | $86 | $88 | $81 | $83 | $84 | $86 |
| Allstate | $203 | $180 | $79 | $74 | $59 | $59 | $56 | $56 | $57 | $58 |
| American Family | $414 | $305 | $137 | $116 | $117 | $115 | $111 | $109 | $114 | $113 |
| Farmers | $629 | $597 | $167 | $160 | $139 | $139 | $131 | $132 | $136 | $136 |
| Geico | $254 | $220 | $87 | $90 | $80 | $80 | $76 | $76 | $78 | $78 |
| Hartford | $469 | $407 | $133 | $126 | $113 | $115 | $107 | $109 | $109 | $112 |
| Liberty Mutual | $626 | $626 | $200 | $174 | $174 | $171 | $165 | $162 | $170 | $96 |
| Nationwide | $387 | $303 | $136 | $124 | $115 | $113 | $109 | $107 | $114 | $113 |
| Progressive | $662 | $591 | $136 | $131 | $105 | $112 | $100 | $106 | $103 | $109 |
| State Farm | $284 | $229 | $103 | $94 | $86 | $86 | $82 | $82 | $84 | $84 |
| Travelers | $740 | $530 | $108 | $99 | $99 | $98 | $94 | $93 | $97 | $96 |
| U.S. Average | $501 | $416 | $139 | $128 | $119 | $119 | $113 | $113 | $117 | $117 |
Geico auto insurance might be the best option for young drivers in Hawaii who don’t come from military families. Since car insurance is so expensive, young people should compare Hawaii auto insurance rates with as many companies as possible.
Hawaii Auto Insurance Rates After an Accident
Another important risk factor for Hawaii car insurance companies is past accidents. People with at-fault accidents in their driving record will see higher auto insurance rates in Hawaii. However, accidents only affect your insurance rates for about three years. If you avoid additional accidents, your Hawaii insurance premiums will eventually return to normal.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
As you can see, some Hawaii insurance companies are more forgiving than others for having an at-fault accident. USAA, State Farm, and Geico have the best auto insurance for drivers with accidents in Hawaii, with monthly full coverage rates of $58, $76, and $98, respectively.
Hawaii Auto Insurance Rates After a DUI
Many factors will increase how much you pay for car insurance in Hawaii, including speeding tickets, being young, or causing an accident. However, auto insurance for drivers with a DUI in Hawaii is expensive, increasing average monthly rates to $153.
DUI charges are so serious that some companies will drop you as a customer after a single charge. You might have to get high-risk auto insurance in Hawaii if you have multiple DUIs.
Still, some of the best car insurance companies in Hawaii will work with you if you only have one DUI. However, your rates will be much higher than drivers without a conviction.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
USAA offers the lowest average monthly Hawaii auto insurance rates with a DUI of $80. State Farm comes in next, averaging $83/mo, but you should always compare rates after a conviction. Even if your insurance company doesn’t drop you, you might find more affordable Hawaii auto insurance coverage elsewhere.
Higher insurance rates aren’t the only penalty after a DUI in Hawaii. You’ll also face the following consequences:
- First offense: 48 hours to five days in jail, up to $1,000 fine, a year of license suspension, 72 hours of community service, and mandatory attendance in an alcohol education course
- Second offense: five to 30 days in jail, up to $3,000 fine, 240 hours of community service, three years of license suspension, and alcohol education
You’ll have $500 and 48 hours of jail time added to your sentence if you have a minor in the car with you when you get a DUI. If you get a third DUI within 10 years, you might spend five years in jail and lose your vehicle.
Keeping your record clean of DUIs is integral for low Hawaii insurance rates. DUIs affect your Hawaii car insurance rates for a long time but generally fall off after seven years.
Hawaii Auto Insurance Rates by City
From beautiful beaches to lush jungles, Hawaii’s cities and towns offer a unique place to live. Your Hawaii auto insurance rates vary by location, so you’ll see different auto insurance rates by ZIP code.
For example, Hilo and Honolulu auto insurance rates are higher because they have more traffic. However, cheap car insurance in Hawaii is generally easy to find.
Hawaii Auto Insurance Laws
You already know how much car insurance Hawaii requires all drivers to carry, but there are additional Hawaii auto insurance laws to know.
First, you must carry proof of insurance in your vehicle at all times as a physical or digital copy. You also have to present proof to law enforcement upon request.
The penalty for driving without auto insurance in Hawaii includes the following:
- $500 fine for the first offense, $1,500 for the second
- Potential up to thirty days in jail
- Possible license suspension
- SR-22 insurance
It might be tempting to drive without car insurance, but you should never take the risk. Getting affordable car insurance coverage in Hawaii is usually simple, but you’ll face complicated consequences if you get caught without coverage.
Hawaii is also one of the few states prohibiting auto insurance companies from using your credit score to determine your rates. Other factors still apply, but you won’t have to worry about higher Hawaii car insurance rates because of a low credit score.
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Hawaii SR-22 Auto Insurance
Hawaii requires drivers to file SR-22 auto insurance after severe traffic violations, like a DUI or driving without insurance. Although you’ll often hear it labeled as insurance, SR-22s are a form. SR-22 forms prove that you carry Hawaii’s minimum insurance.
You might have to file SR-22 insurance for the following traffic violations:
- Driving without car insurance
- DUI conviction
- Driving with a suspended license
- Reckless driving
If you need SR-22 insurance in Hawaii, you’ll probably need to file it for three years. However, you don’t need to file your SR-22 insurance yourself. Your insurance company should handle the filing for you to ensure the state receives it.
There is a risk that you’ll be dropped as a customer if you need SR-22 insurance, but most Hawaii insurance companies will work with you. Your Hawaii auto insurance rates will increase, and you’ll have to pay a filing fee, but you won’t need to go elsewhere.
If you need a new car insurance policy, getting SR-22 insurance is relatively the same as applying for standard coverage. Make sure to inform the company you’re shopping with that you need SR-22 insurance to get what you need.
Hawaii will suspend your license for various traffic violations, and you’ll need SR-22 insurance to get it back. You can also buy non-owner SR-22 auto insurance in Hawaii if you don’t have a car but need to get your license back. Non-owner insurance will satisfy Hawaii’s car insurance requirements and covers you whenever you drive someone else’s car.
Find the Best Auto Insurance in Hawaii Today
Hawaiian drivers usually pay less for car insurance, but choosing the right company can help you save even more. USAA, State Farm, and Travelers in Hawaii are typically the most affordable options in the Aloha State, but you might see better Hawaii car insurance quotes with another company.
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Whether you need minimum insurance, full coverage, or SR-22 insurance, comparing Hawaii insurance quotes with multiple companies is essential to finding affordable rates.
Frequently Asked Questions
Is Hawaii a no-fault auto insurance state?
Hawaii is a no-fault car insurance state, meaning you’re responsible for paying your own medical insurance to handle injuries after an accident. To cover medical expenses, drivers must carry $10,000 worth of personal injury protection auto insurance coverage.
How much is car insurance in Hawaii?
Hawaiians pay about $87 monthly for full coverage auto insurance, while minimum insurance costs about $32. However, rates vary based on factors such as driving profile, location, and demographics, so compare Hawaii car insurance quotes to find the best deal.
Can you buy car insurance without a license in Hawaii?
While there’s nothing saying you can’t buy a car without a license, it might be a difficult task. Insurance companies don’t often sell policies to people without a license, and you can’t register a car without coverage.
Is new car theft insurance required in Hawaii?
There isn’t a specific type of insurance called theft coverage, but a comprehensive policy protects against theft. The state of Hawaii does not require comprehensive insurance, but you might need it if you have a car loan or lease.
What kind of car insurance do I need in Hawaii?
Drivers in Hawaii must carry minimum liability insurance coverage, which includes $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $10,000 property damage liability per accident. Drivers must also carry PIP coverage with minimum limits of $10,000 per person.
Where can I purchase auto insurance in Hawaii?
Auto insurance can be purchased from various sources in Hawaii. You can contact insurance agents or brokers, visit their offices, or utilize online platforms to obtain quotes and purchase coverage. Many insurance companies also offer the option to purchase insurance directly from their websites or over the phone.
Is auto insurance higher in Hawaii?
Hawaii auto insurance rates are 27% cheaper than the national average, with monthly rates of $87. To simply meet Hawaii’s auto insurance coverage requirements, you’ll pay about $32.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.