Hawaii Car Insurance Quotes & Average Rates
Full coverage car insurance in Hawaii is estimated at $1,408 a year, or $117 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $488 a year. Hawaii is a no-fault state, and drivers must carry 20/40/10 liability limits. Below you will find estimated rates for 29 Hawaii cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Hawaii
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Hawaii
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,070 | $89 | -24% | Military members and families only |
| Geico | $1,155 | $96 | -18% | Usually cheapest for clean records |
| State Farm | $1,239 | $103 | -12% | Strong for young and student drivers |
| Progressive | $1,338 | $112 | -5% | Competitive after a ticket or accident |
| Travelers | $1,366 | $114 | -3% | Good multi-policy discounts |
| Nationwide | $1,408 | $117 | 0% | Mid-market, wide availability |
| Allstate | $1,605 | $134 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $1,704 | $142 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Hawaii. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Hawaii car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $3,804 | $1,319 | $317 |
| 18 years old | $3,209 | $1,112 | $267 |
| 20 years old | $2,657 | $921 | $221 |
| 22 years old | $2,207 | $765 | $184 |
| 25 years old | $1,684 | $584 | $140 |
| 30 years old | $1,452 | $503 | $121 |
| 40 years old | $1,365 | $473 | $114 |
| 50 years old | $1,307 | $453 | $109 |
| 60 years old | $1,292 | $448 | $108 |
| 65 years old | $1,350 | $468 | $113 |
| 70 years old | $1,481 | $513 | $123 |
| 75 years old | $1,728 | $599 | $144 |
Estimated premiums by age in Hawaii, clean record, sedan.
How violations change your Hawaii premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,408 | — |
| 1 speeding ticket | $1,732 | +23% |
| 1 at-fault accident | $2,070 | +47% |
| DUI / DWI | $2,662 | +89% |
What a violation costs a 35-year-old in Hawaii. Surcharges normally stay on the policy for three to five years.
A DUI in Hawaii usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Hawaii minimum insurance requirements
| Required coverage in Hawaii | Minimum limit |
|---|---|
| Bodily injury liability, per person | $20,000 |
| Bodily injury liability, per accident | $40,000 |
| Property damage liability | $10,000 |
| PIP $10,000 | Required |
| Insurance system | No-fault |
Limits are set by statute and change from time to time. Confirm the current figures with the Hawaii Department of Insurance before you buy.
Coverage levels in Hawaii
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $488 | $41 |
| Full coverage (100/300/100 + comp & collision) | $1,408 | $117 |
| Full coverage, high limits + low deductible | $1,676 | $140 |
Coverage level comparison for Hawaii.
Car insurance rates in Hawaii cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 29 Hawaii cities we price.