Full Coverage Car Insurance in Hawaii
Numbers refreshed
Priced from the Hawaii averages, this bundles liability, collision and non-crash damage coverage.
- $88.a month on average for full coverage.
- Minimum liability limits of 40/80/20.
- The most expensive state: 49th of 51 (1st = highest).
How much full coverage costs in Hawaii
Full coverage is liability plus collision plus coverage for non-crash damage. For Hawaii, those two parts bring the yearly price to $574 above the $477 liability average.
| 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).
Full coverage: when it stops paying off
While you still owe money on the car, lenders and lease companies require full coverage.
After the car is paid off, weigh its value against the yearly cost of extra cover, $574 a year. Liability only is usually the better deal when one bad premium year would pay for most of the car.
Full coverage for each car in Hawaii
These estimates are for an adult with a clean record and come from IIHS-HLDI loss results. Of the 40 models we price, these are the cheapest and the most expensive:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $669 | $56 |
| Honda CR-V | $679 | $57 |
| Subaru Outback | $713 | $59 |
| Toyota RAV4 | $796 | $66 |
| Mercedes-Benz C-Class | $1,443 | $120 |
| Chevrolet Camaro | $1,630 | $136 |
| Dodge Charger | $1,903 | $159 |
| Dodge Challenger | $1,954 | $163 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Additional car insurance topics in Hawaii
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