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Cheap Car Insurance in Hawaii (2023)

Drivers in Hawaii pay rates starting at $107/mo. for full-coverage car insurance.

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If you’re looking for cheap car insurance in Hawaii, you don’t have to look very far. The Aloha State is among the five states with the cheapest car insurance. Drivers pay an average of $131 per month for car insurance in Hawaii, roughly 44% less than the national average. The most affordable coverage is from GEICO, at $107 per month on average.

Quick Facts

  • The average cost of car insurance in Hawaii is $131/mo.

  • GEICO is the cheapest provider in Hawaii, with average rates of $107/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Hawaii: GEICO

The best and cheapest car insurance in Hawaii is GEICO, according to Insurify’s proprietary data. Drivers pay an average of $107 per month for coverage. But the cost can vary from one person to the next, depending on the insurer, your location, age, driving history, vehicle type, and more.

Make sure to compare car insurance quotes online before purchasing a policy.

Car Insurance CompanyInsurify Composite Score (ICS)Average Monthly Quote
State Farm88$112
21st Century80$169
Island Insurance GroupN/A$198
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

    Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Learn More: Best Car Insurance Companies

Minimum car insurance requirements in Hawaii

All motor vehicles operated or parked on Hawaii roadways are required to be insured. You must carry proof of insurance in your car at all times and have it available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The following coverages constitute the minimum liability insurance requirements for private passenger vehicles in Hawaii:[1]

  • $20,000 per person/$40,000 per accident for bodily injury: A major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Hawaii is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of who caused the accident.

  • $10,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $10,000 per accident for PIP: Personal injury protection coverage, also referred to as PIP coverage or no-fault insurance, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive nonmedical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Hawaii DMV information

The Vehicle Registration and Licensing Division in Hawaii, commonly known as the Department of Motor Vehicles (DMV), is a valuable resource for drivers. It provides services such as renewing your driver’s license, applying for a REAL ID-compliant driver’s license, registering your vehicle, and transferring a vehicle title to another person.[2]

Walk-in service is available at select locations, or you can schedule an appointment online for a time that works for you.

Public transportation in Hawaii

Since Hawaii doesn’t offer public transportation via trains, subways, or trams, riding by bus is generally the only way to get around. Residents and visitors can take advantage of buses on each of the four major islands of Oahu, Maui, Kauai, and the big island of Hawaii.[3]

Of the four islands, Oahu has the best bus system, but getting around once you depart the bus can be challenging. Having a vehicle is recommended for errands and everyday activities.

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Tips for getting cheap car insurance in Hawaii

You can do a few things to get cheap car insurance in Hawaii. The first and most important thing is to compare quotes. Comparing car insurance rates using a quote-comparison tool can help you find the best deal for your specific needs.

Liability-only vs. full-coverage insurance in Hawaii

If you live in Hawaii, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, theft, weather, and animal encounters. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

How your driving history affects Hawaii car insurance rates

Driving violations, such as at-fault accidents, DUIs, and speeding tickets, and the number of years you’ve been driving can affect your car insurance rates. Drivers with little experience or who have multiple violations on their driving record will see a greater effect on their premiums, while drivers with a clean record will enjoy the most affordable rates.

Car Insurance CompanyAverage Monthly Quote
State Farm$112
21st Century$169
Island Insurance Group$198
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

SR-22 insurance in Hawaii

An SR-22 is a proof of financial responsibility form you may need to file with the Hawaii Department of Motor Vehicles (DMV). Generally, it’s required after a traffic court conviction. To file for an SR-22, you must contact an insurance company that offers coverage with an SR-22, such as the companies listed below.

How credit scores affect Hawaii car insurance quotes

Hawaii is one of several states that prohibit insurance companies from using credit scores as a factor when determining auto insurance premiums.[4] Drivers don’t have to worry about a bad credit score increasing their car insurance rates.

How your city affects Hawaii insurance rates

Car insurance premiums vary from city to city based on things like the rates of car theft, traffic accidents, and other incidents specific to a local area. Drivers in Kea‘au have the highest average premiums, while motorists in Ocean View pay the least. Other cities, like ‘Ewa Beach, Honolulu, and Pearl City, are close to the average cost for the state of $131 per month.

CityAverage Monthly Quote
‘Ewa Beach$132
Kailua Kona$112
Ocean View$61
Pearl City$122
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How your age affects your Hawaii car insurance rates

Age is one of the most common factors that affect the cost of car insurance because it reflects the driver’s level of experience. Teens have the most expensive premiums because they have the least experience, but car insurance costs start to decrease for drivers around age 30 before rising again when drivers hit their 70s.

Age GroupAverage Monthly Rate
Under 25$182
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance for young drivers in Hawaii

Drivers under the age of 25 in Hawaii can expect to pay the highest car insurance rates of any age group. Without a proven driving record, these drivers are riskier to insure than other age groups. Young drivers looking to save money on car insurance should consider applying for a good student discount.

Car insurance for middle-aged drivers in Hawaii

Middle-aged drivers in Hawaii generally benefit from cheaper car insurance rates, as they have a proven driving record and safer driving behaviors. Middle-aged drivers looking to save money on car insurance should consider bundling their auto policy with homeowners or renters insurance.

Car insurance for senior drivers in Hawaii

Senior drivers in Hawaii enjoy the cheapest rates of all age groups. This is because older drivers typically have safer driving behaviors than their younger counterparts and, as such, are less risky to insure.[5] Senior drivers looking to save money on car insurance should consider pay-per-mile insurance if they don’t drive very often.

Hawaii car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Hawaii.

  • GEICO has the cheapest car insurance in Hawaii, with an average monthly rate of $107. State Farm and Farmers also offer similarly affordable monthly rates, at $112 and $126, respectively.

  • Car insurance rates can be influenced by a number of factors, including driving record infractions, location, and age. Drivers looking to counteract increased rates due to these factors should take advantage of discounts and compare car insurance rates before renewing a policy.

  • While the cost of living in Hawaii is higher than the national average, car insurance premiums are not.[6] The average cost of car insurance in the Aloha State is $131 per month. The state ranks in the top five for cheapest car insurance rates, with premiums as much as 77% lower than costs on the mainland. One reason for the low rates is that fewer than 6% of drivers have an accident on their record. This makes the state one of the safest for motorists and one of the cheapest for car insurance.

  • Some of the best car insurance companies in Hawaii are GEICO, State Farm, and Farmers. GEICO and State Farm have ICS ratings of 88, while Farmers has an ICS rating of 85. All three offer relatively affordable average premiums. The best car insurance company for your needs may be different, however, so make sure to research companies and compare quotes to find the best fit for your needs.

  • Yes, you need PIP coverage in Hawaii. The minimum PIP limit is $10,000 per person per accident, and any company you purchase a policy from should meet that requirement.

    Because Hawaii is a no-fault state, your PIP coverage pays for any medical and rehabilitative costs from injuries you or your passengers sustain. It also means that you can’t file a lawsuit unless there are serious injuries.

  • Yes, Hawaii state law requires drivers to have car insurance. If your vehicle is registered, you’re responsible for getting and maintaining insurance coverage throughout the registration period. Your insurance policy must include $10,000 for PIP coverage, $20,000 per person ($40,000 per accident) for bodily injury liability, as well as $10,000 for property damage liability.

    The required coverage is about the same as the minimum coverage requirements of other states. You can also purchase additional coverage for more financial protection. Besides increasing your policy limits, you can add collision, comprehensive, and uninsured/underinsured coverages.

  • While drivers are required to maintain insurance on their vehicles, auto insurance follows the car in Hawaii.[7] So if family members or friends use your vehicle with your permission and are injured in an accident, your policy covers them. You may also be protected if you get into an accident while driving a rental car.

    When you drive someone else’s car without having a car insurance policy, you may be protected under the owner’s policy. However, driving (or allowing anyone else to drive) a car you own without auto insurance could result in severe penalties.

  • Full-coverage car insurance in Hawaii includes liability coverage that meets or exceeds the state’s minimum requirements, as well as collision and comprehensive coverage. Comprehensive insurance covers damage caused by fire, theft, animals, and glass damage, while collision insurance pays to repair damage from another vehicle.

Insurify Insights

How Hawaii Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Hawaii below:


Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Hawaii drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.


Honda Civic

Most Popular Car in Hawaii


State with the Most Speeding Tickets Rank


State with the Moving Violations Rank


State with the Most DUIs Rank


State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Hawaii is the #49 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #49
    • Percent of drivers in Hawaii with an accident: 5.3%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hawaii is the #26 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #26
    • Percent of drivers in Hawaii with a DUI: 1.4%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Hawaii is the #42 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #42
    • Percent of drivers in Hawaii with a reckless driving offense: 0.9%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Hawaii is the #41 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #41
    • Percent of drivers in Hawaii with a rude driving violation: 1.1%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Hawaii is the #30 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #30
    • Percent of drivers in Hawaii with a speeding ticket: 7.9%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Hawaii is the #26 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #26
    • Percent of drivers in Hawaii with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.


  1. Hawaii Department of Consumer and Commerce Affairs - Insurance Division. "Motor Vehicle Insurance Information." Accessed December 21, 2022
  2. City and County of Honolulu - State of Hawaii. "Driver's License Information." Accessed December 21, 2022
  3. Go Visit Hawaii. "What are the public transportation options in Hawaii?." Accessed December 22, 2022
  4. National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info." Accessed December 22, 2022
  5. Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed December 22, 2022
  6. Payscale. "Cost of Living in Honolulu, HI." Accessed December 22, 2022
  7. NOLO. "Hawaii No-Fault Car Insurance." Accessed December 22, 2022
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.