Car Insurance in Hawaii

Average car insurance cost in Hawaii

The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $464 for liability, $417 for collision and $117 for comprehensive ($998 combined, versus $1,439 nationally). That average expenditure is 5% higher than the NAIC's previous data year ($844). Comprehensive coverage is cheaper than average here, a sign of lower weather and theft losses.

Minimum car insurance requirements in Hawaii

Hawaii's minimum is written as 40/80/20: $40,000 per person / $80,000 per accident in bodily injury liability and $20,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $560 a year here, $125 more than the minimum.

Proof of coverage must be carried while driving.

Minimums were raised recently from 20/40/10.

Is Hawaii a no-fault state?

Yes. Hawaii is a no-fault state: your own PIP pays first, and you can sue the at-fault driver only for death, significant permanent loss of use, permanent serious disfigurement, or when PIP benefits incurred reach $5,000.

In practice: keep your PIP limits in mind — they pay first for you and your passengers, while your liability coverage still pays for damage you cause to other vehicles and property.

No-fault vs. at-fault explained

Uninsured drivers in Hawaii

The Insurance Research Council estimates 9.6% of Hawaii drivers are uninsured — 41st highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 10 on the road. Uninsured motorist (UM) coverage isn't mandatory here (Insurers must offer uninsured motorist coverage; it may be rejected in writing), but it is still inexpensive protection against hit-and-run and uninsured drivers.

SR-22 requirements in Hawaii

Hawaii uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. Drivers ordered by a traffic court to show proof of financial responsibility may file an SR-22 through their insurer with the county.

By our model, a driver in their 30s with a DUI would pay about $830 a year for minimum coverage in Hawaii, versus $435 with a clean record. What is SR-22 insurance?

Car insurance by city in Hawaii

We cover 8 Hawaii cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Hilo ($1,050) and the highest in Waipahu ($1,370).

Estimated cost by driver profile in Hawaii

Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.7× what a driver in their 30s pays for the same full coverage in Hawaii.

By coverage level

Cheapest and most expensive cars to insure in Hawaii

Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $2,505 a year here.

Cheap car insurance in Hawaii: how to lower your rate

• Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $75 a year on a typical Hawaii full-coverage policy.
• Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $855 to $560.
• Drive less, pay less. Low-mileage and usage-based programs can save around $75 a year if you drive under 7,500 miles.
• Protect your record. A single speeding ticket adds roughly $240 a year in our model; an at-fault accident adds much more.
• Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
• Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.

Complaints and help: Hawaii Insurance Division

The Hawaii Insurance Division licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.

Website

cca.hawaii.gov

File a complaint

Consumer complaint page

Consumer helpline

1-844-808-3222

Homeowners insurance in Hawaii →