Liability Car Insurance in Hawaii
Numbers refreshed
What the cheapest legal policy in Hawaii costs, and what it doesn't cover.
- $40.the average monthly cost for liability.
- 40/80/20.the minimum liability limits.
- 49th of 51.the most expensive state (1st = highest).
How much liability costs in Hawaii
In Hawaii, liability-only car insurance averages $477 a year, or about $40 a month. For liability, it ranks as the 45th most expensive state.
| 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).
What you still pay with the minimum
At a minimum, Hawaii requires 40/80/20 liability limits: $40,000 per injured person, $80,000 for all injured people in one crash and $20,000 to cover harm to someone else's property.
Liability coverage pays out to the other people. Unless you add collision, fixing your own car is a cost you pay yourself.
Any cost above your limits after a crash can be claimed from you. Raising your limits usually costs far less than the jump in protection you get.
First written