Average Cost of Car Insurance in Hawaii in 2024 | Bankrate (2024)

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Updated Apr 22, 2024

The average annual cost of car insurance in Hawaii is $1,650 for full coverage and $413 for the minimum coverage.

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 $1,650 for full coverage and $413 for minimum coverage, whereas the average cost of insurance in the U.S. is $644 per year for minimum coverage and $2,314 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 $137 for full coverage and $34 for minimum insurance.
• Average rates for full coverage in Hawaii are 29 percent less than the national average.
• Of Hawaii's largest cities, Hilo has one of the highest average costs of car insurance at $1,773 per year for full coverage.
• Drivers with a single DUI conviction in Hawaii could pay around 277 percent more for full coverage car insurance.
• Hawaii is one of the few states that does not allow insurance companies to consider age, gender, marital status or credit when determining rates.

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.

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

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.

Bankrate’s take:Although age and gender are not used to determine rates in Hawaii, there are other factors that insurers look at when calculating premiums. Underwriters take a careful look at your driving record, and are likely to give you a lower rate if you have no infractions on your record. Your location may also play a role, and whether you keep your car in a garage or on the street. Your car's make, model and age will also help carriers determine your premium.

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.

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.

*The rates reflected are for full coverage policies.

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

*Rates reflect full coverage policies.

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

*Rates reflect full coverage policies.

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

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.

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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:

• Bundle your insurance: Buying car and home or renters insurance with the same carrier could reduce your premiums for all policies.
• 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. Some common discounts include paid-in-full, claims-free and safe car 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.

Methodology

Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction.

Mileage: Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base). For new vs used vehicles, we also included the following years in our calculations: 2016, 2017, 2018, 2019 (base) and 2020.

Status: Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman with a 16-year-old teen driver. Marital status is not a rating factor in Hawaii and Massachusetts.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.