Hawaii Car Insurance Calculator
Figures updated
No name, email or phone. Three questions is all. The average for Hawaii is already in place.
1 of 2
What's the age of the main driver?
2 of 2
How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
Behind the estimate: Hawaii averages
Your estimate starts with NAIC averages for Hawaii, then factors in age, driving record and the car.
| Coverage in Hawaii | Per year | Per month |
|---|---|---|
| Liability | $477 | $40 |
| Collision | $447 | $37 |
| Comprehensive | $128 | $11 |
| Full coverage (all three) | $1,051 | $88 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
How the estimate shifts
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
Originally written