Average cost of car insurance in Hawaii in 2025

How much is car insurance in Hawaii? 

Although your actual cost of coverage will vary based on personal factors, Hawaii's average rates are significantly cheaper than the national average. The annual average car insurance cost in Hawaii is $1,709 for full coverage and $421 for minimum coverage, whereas the average cost of insurance in the U.S. is $808 per year for minimum coverage and $2,692 per year for full coverage. How much car insurance is in Hawaii for individual drivers will often vary from these averages.

Key takeaways

• The average monthly cost of car insurance in Hawaii is $142 for full coverage and $35 for minimum insurance.
• Average rates for full coverage in Hawaii are 37 percent less than the national average.
• Of Hawaii's largest cities, Hilo has one of the highest average costs of car insurance at $1,786 per year for full coverage.
• Drivers with a single DUI conviction in Hawaii pay an average of 277 percent more for full coverage car insurance.
• Hawaii is one of the few states that does not allow car insurance companies to consider age, gender, marital status or credit when determining rates.

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Hawaii car insurance rates by city

Insurance rates vary between different cities, because risk factors can differ between cities and even ZIP codes. However, Hawaii's average city rates do not vary as much as other states'. Larger cities generally have more congested roadways, leading to more accidents and higher average rates. Areas that experience a higher rate of theft or vandalism may also see higher average rates. Below you can compare average premiums in some of Hawaii's largest cities.

Average car insurance costs by age and gender in Hawaii

In many states, age has a significant influence over your car insurance rates, but Hawaii prohibits car insurance companies from considering age as an auto insurance rating factor. For this reason, average auto insurance rates are fairly consistent across different age demographics in Hawaii. However, rates may vary slightly for teens who are insured on their parents' policies. Using gender to determine rates is also prohibited in Hawaii, so men and women should pay the same amount for auto coverage, provided all other rating factors are equal.

Cost considerations for young drivers in Hawaii

Due to their relative inexperience, younger drivers are seen as riskier and can cost more to insure on their own policy than they would on their parents’. However, this difference is minimal in Hawaii, thanks to their anti-discrimination laws.

How does driving record impact the cost of car insurance in Hawaii?

The one area you may see a large difference in Hawaii car insurance rates is if you have infractions on your driving record. A single speeding ticket conviction or at-fault accident in Hawaii will usually increase your annual vehicle insurance rates by a noticeable amount. DUIs can have an even greater impact and may make it difficult to find coverage.

The table below highlights the rate differences between a clean driving record and one with a traffic violation on it.

Car insurance rates in Hawaii by credit tier

Credit history is another factor that Hawaii does not allow insurance carriers to consider when rating auto insurance policies. Credit-based insurance scores do not impact car insurance rates in Hawaii.

Hawaii car insurance rates by vehicle type

Another important variable that impacts rates in Hawaii is the make and model of your vehicle. Different cars have different features and crash ratings and vary significantly in how much they cost to repair or replace. Luxury vehicles typically see higher average rates as they usually cost more to repair. Cars that are frequently stolen may also see higher rates. On the other hand, cars with good crash test ratings and advanced safety features typically see lower car insurance rates.

Estimate your car insurance cost in Hawaii

Several variables can impact auto insurance rates; however, Hawaii considers fewer than many other states. To help drivers get a feel for what they might expect to pay, Bankrate created a convenient rate estimation tool. All you need to do is enter some basic information, and the tool will provide you with a rough estimate of your monthly premium. This is not an exact quote but can be helpful for budgeting.

How to save on car insurance in Hawaii

Hawaii is already one of the most affordable places to find car insurance, especially for younger drivers and those with poor credit who would typically pay exponentially high rates. That said, insurance isn’t free, and there may be ways to save further on rates:

• Shop for car insurance: If it’s been a while since you purchased your policy, you might be able to find more affordable coverage with another company. Comparing quotes from 3-5 carriers or contacting a local independent broker is a good starting point. 
• Bundle your insurance: Buying car and home or renters insurance with the same carrier could reduce your premiums for all policies. Some carriers even offer discounts for bundling with motorcycle or RV insurance. 
• Look for discounts: Most car insurance carriers offer at least a handful of discounts to reduce your premium. Choosing a carrier with lots of discounts may help you save since you can combine discounts for maximum savings. Some common ones include paperless billing, automatic payments, loyalty and good student savings. 
• Avoid tickets and accidents: Maintaining a clean driving record may help keep your car insurance rates low — especially in a state where auto insurance rating factors are limited.

Frequently asked questions

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