The average cost of auto insurance in Hawaii is $1,080 per year ($90/month) for full coverage — $924 below the national average of $2,004. Hawaii drivers must carry minimum liability limits of 20/40/10. As a no-fault state, Hawaii also requires personal injury protection (PIP) coverage to pay for your own medical expenses regardless of fault.
Average Car Insurance Cost in Hawaii
Auto insurance rates in Hawaii vary significantly by insurer, driver profile, and location. The following table shows estimated average annual full coverage premiums from top insurers for a 35-year-old driver with a clean record in Hawaii:
| Insurer | Avg Annual Rate (HI) | Monthly Rate | vs. HI Average | Best For |
|---|---|---|---|---|
| Geico | $885 | $73 | $195 below avg | Clean-record drivers |
| State Farm | $1,047 | $87 | $33 below avg | Local agent experience |
| Progressive | $1,134 | $94 | $54 above avg | High-risk drivers |
| Allstate | $1,274 | $106 | $194 above avg | New car owners |
| Nationwide | $1,004 | $83 | $76 below avg | Safe driver rewards |
| Travelers | $982 | $81 | $98 below avg | Auto and home bundlers |
Rates shown are estimates based on statewide averages for illustrative purposes. Your actual rate depends on your age, driving record, credit score (HI does not allow credit-based pricing for auto insurance), vehicle, and coverage level. Always get direct quotes for accurate pricing.
Hawaii Car Insurance Requirements
Hawaii law requires all drivers to maintain minimum auto insurance. Driving without insurance is illegal and can result in license suspension, fines, and mandatory SR-22 filing.
Minimum limits required in Hawaii: The 20/40/10 limits mean $20K bodily injury per person, $40K bodily injury per accident, and $10K property damage liability. As a no-fault state, Hawaii also requires Personal Injury Protection (PIP) that pays your medical expenses regardless of who caused the accident.
Hawaii's minimum limits of 20/40/10 are rarely enough to cover a serious accident. A single hospitalization can exceed $100,000. Insurance experts recommend at least 100/300/100 limits for adequate protection — the cost difference is often less than $30 per month.
Cheapest Car Insurance in Hawaii
The cheapest auto insurance in Hawaii for most clean-record drivers comes from Geico at approximately $885 per year. However the cheapest insurer depends heavily on your specific driver profile:
- Clean record drivers: Geico and Erie Insurance (where available) typically offer the lowest rates in Hawaii.
- Drivers with one speeding ticket: State Farm is typically most forgiving in HI, raising rates an average of 18 percent versus the industry average of 28 percent.
- Drivers after a DUI: Progressive specializes in high-risk coverage and typically offers the most competitive post-DUI rates in Hawaii.
- Young drivers under 25: State Farm's Steer Clear program and Geico's student discounts make them top choices for younger drivers in HI.
- Military members and veterans: USAA offers the lowest rates in Hawaii for eligible service members, averaging $777 per year.
How to Save on Car Insurance in Hawaii
- Bundle auto and home insurance: Combining policies with one insurer saves Hawaii drivers an average of $312 per year.
- Raise your deductible: Increasing from $500 to $1,000 saves approximately 15 to 20 percent on collision and comprehensive in Hawaii.
- Shop quotes every year: Hawaii drivers who switched insurers at renewal saved an average of $487 in 2025. Insurance rates change annually and loyalty rarely pays.
- Enroll in telematics: Programs like Drive Safe and Save, Snapshot, and SmartRide can save Hawaii drivers 10 to 30 percent based on actual driving behavior.
- Credit score improvement: Since HI does not allow credit-based insurance pricing, focus on driving record, discounts, and annual shopping to maximize savings.
Hawaii Home Insurance: Average Rates
Homeowners in Hawaii pay an average of $960 per year ($80/month) for homeowners insurance — below the national average of $1,428 per year. Hawaii's rates are influenced by local construction costs, housing market values, and regional weather patterns.
The best home insurance companies in Hawaii for most homeowners are State Farm, Allstate, and Travelers. Amica and USAA score highest in customer satisfaction but have limited availability. Always compare at least 3 home insurance quotes and verify your dwelling coverage is set to replacement cost value rather than your home's current market value.