Hawaii Car Insurance Calculator
Calculate your auto insurance cost in Hawaii. Compare with state averages and find savings.
$1,156
Avg Annual Premium
20/40/10
Min Liability
Monthly Avg
$96
Full Coverage
$1,489
Min Coverage
$412
Uninsured Rate
8.2%
Hawaii Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$20,000
Bodily Injury (per accident)$40,000
Property Damage$10,000
Additional Requirements
PIP RequiredYes ($10,000 min)
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Hawaii
Island driving conditionsNo-fault stateLimited roads
Major Metro Areas in Hawaii
HonoluluPearl CityHiloKailua
FAQ
Hawaii Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Hawaii
The average annual car insurance premium in Hawaii is $1,156, or about $96 per month. Full coverage averages $1,489 annually, while minimum coverage averages $412. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Hawaii requires minimum liability coverage of 20/40/10 ($20,000/$40,000 for bodily injury and $10,000 for property damage). Hawaii also requires Personal Injury Protection (PIP) with a minimum of $10,000.
Key factors affecting Hawaii car insurance rates include: Island driving conditions, No-fault state, Limited roads. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 8.2% of drivers in Hawaii are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Hawaii car insurance: 1) Compare quotes from multiple insurers like GEICO, State Farm, USAA. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Hawaii include: GEICO, State Farm, USAA, First Insurance, Allstate. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
HI Insurance Costs
Average premiums in Hawaii:
- Annual Average$1,156
- Monthly Average$96
- Full Coverage$1,489
- Minimum Coverage$412
HI Requirements
Minimum coverage required:
- Liability20/40/10
- PIP RequiredYes
- UM RequiredNo
- Uninsured Rate8.2%
Top HI Insurers
Popular insurance companies:
- •GEICO
- •State Farm
- •USAA
- •First Insurance
- •Allstate