Car Insurance in Hawaii
These figures were refreshed .
The legal minimum, what drivers in Hawaii pay and which insurers have the lowest prices.
- $88.Average monthly cost for full coverage.
- 40/80/20.Lowest liability limits.
- Hawaii ranks 49th of 51 states for cost (1st = highest).
Hawaii car insurance costs
Full coverage costs Hawaii drivers an average of $1,051 each year, or about $88 monthly. Legal minimum coverage costs $477 a year on average. The figure is 35% lower than the US yearly average of $1,613.
| 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).
Hawaii's legal minimum coverage
Hawaii requires 40/80/20 liability coverage at minimum: $40,000 per injured person, $80,000 for all injured people in one crash and $20,000 for other people's property damage.
Hawaii uses a no-fault system. After a crash, your own policy pays your medical bills, whoever caused it.
Insurers must offer uninsured motorist coverage in most states, but it isn't required.
Source: Hawaii Insurance Division, Auto Minimum Limits FAQs (PDF).
Lowest-cost insurers listed in Hawaii's rate guide
For pleasure use with Hawaii minimum coverages, the driver has a clean record (no accidents, no convictions) and drives a 2024 Honda Accord LX 4-door. The listed prices are yearly premiums taken from the state's own comparison guide.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Allstate | $258 | $22 |
| 2 | GEICO | $304 | $25 |
| 3 | Phoenix Insurance Company | $304 | $25 |
| 4 | Travelers | $304 | $25 |
| 5 | Progressive | $364 | $30 |
How many drivers in Hawaii lack insurance?
In 2023, about 10% of Hawaii drivers had no car insurance, the 41st highest share among the 51. If an uninsured driver hits you, this cover pays your bills.
The first version was written