Here's what you need to know when driving in Hawaii
Across the Aloha State, there are 9,523 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel. Read on to learn about average insurance rates in Hawaii for a variety of driving profiles. Then, enter your ZIP code above to find the right quote options from quality, low-cost companies in your state.
Compare quotes from dozens of insurance companies that provide coverage throughout Hawaii. Enter your ZIP code below to get started.
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Cheap auto insurance for good drivers in Hawaii
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Hawaii drivers don't enjoy much of a rate discount for staying safe on the roads, as a lack of traffic tickets is rewarded by just a 9% price cut, compared to 17% nationally. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
No Traffic Tickets
Cheap auto insurance for young drivers in Hawaii
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Hawaii is a relatively affordable state for teen drivers: the typical teen driver pays $1,946 per year — about $3,000 less than the national average for teens and only about double the average premium for all Hawaiian drivers.
Annual Rate with Parents
Annual Rate Alone
Cheap auto insurance for bad drivers in Hawaii
If you have no at-fault accidents, speeding tickets, or DUIs, you can save money on car insurance. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It's especially important to avoid DUI citations in Hawaii, the state with the largest insurance rate penalty after a DUI (79%). Conversely, speeding tickets and at-fault accidents carry lower-than-average rate hikes in Hawaii (9% and 27%, respectively).
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Top rated car insurance companies in Hawaii
Each car insurance company boasts about its affordable costs. But just like with any product, the cheapest car insurance isn't always the best option. Considering what's at stake, it's worth doing your research to obtain an auto insurance policy that can cover your car completely after a collision. Be on the lookout for a great value, instead of settling for the cheapest auto insurance in your state.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
Hawaii's insurance regulations mandate that drivers carry liability and personal injury protection coverages at or above the below minimum levels:
Bodily Injury $20,000 per person
Bodily Injury $40,000 per accident
Property Damage $10,000 per accident
Personal Injury Protection (PIP)
$10,000 per person
Optional coverage in Hawaii (varies by carrier):
Death and Funeral Expense
Rental Car Reimbursement
Uninsured/Underinsured Motorist Bodily Injury
Uninsured Motorist Property Damage
If you choose the minimum allowed coverage in Hawaii, expect to owe an average of $516 annually. This is more affordable than the U.S. average by 21%. If you elect better car insurance coverage, you can select a policy with comprehensive and collision coverage, which will protect against damages caused by car-on-car collisions, theft, or weather incidents. It's worth noting that better coverage carries a cost: in Hawaii, a comprehensive policy with a $1,000 deductible runs $924, 79% more than liability-only car insurance. For comprehensive coverage with a $500 deductible, you can expect to pay 108% more than you would for a liability-only policy.
If you get a ticket, your auto insurance costs may rise. How much your rates rise depends on the severity of the violation, your insurer's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at car insurance costs in Hawaii after a few common citations.
Avg. Annual Auto Insurance Rate
% Insurance Rate Increase
$ Insurance Rate Increase
Hit and Run
Refused Breathalyzer/Chemical Test
Driving with a Suspended License
Driving with an Open Container
Operating a Vehicle Without Permission
Passing a School Bus
Following Too Closely
Failure to Stop at a Red Light
Driving Wrong Way/Wrong Lane
Failure to Yield
Speeding in a School Zone
Driving Too Slowly
Driving with Expired Registration
Failure to Show Documents
Failure to Use Child Safety Restraint
Failure to Wear a Seat Belt
Driving Without Lights
Hawaii car insurance FAQs
Is Hawaii a no-fault auto insurance state?
Yes. Hawaii is a no-fault state. Every driver is responsible for their own medical bills after a car collision, regardless of fault. In order to cover for this expense, every driver is required to carry Personal Injury Protection (PIP), which provides necessary bodily injury coverage after an accident.
Can you get car insurance without a license in Hawaii?
Although there is no state law in Hawaii regarding buying car insurance without a license, it is generally considered a difficult task. Your driver's license is an insurance company's view into your previous driving history. Without this, an insurer might view you as a high-risk driver and thus increase your premium. The best way to find car insurance in Hawaii without a license is to speak directly to an insurance agent.
Is new car theft insurance required in Hawaii?
In Hawaii (and other states), there isn't a specific "theft" coverage — it's included in comprehensive coverage. Whether or not comprehensive coverage is required will depend on the nature of your car ownership. If you have a lease or loan on the vehicle, you are required to carry comprehensive, collision, and potentially gap coverage on the vehicle.
How much does car insurance cost in Hawaii cities?
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest
car insurance is found in Kihei, Hawaii, and the most expensive in Hilo, Hawaii.
Unfortunately, there isn't much you can do about not wanting to get another driver who is uninsured in trouble. At the end of the day, your insurance might require you to show proof of an uninsured motorist in which case it is in your best interest to give as much information as possible to your company.
Here are a few things to consider:
You have up to 2 years in Hawaii to file a property damage claim with your insurance provider. It's always best to file a claim as quickly as possible so your insurance company can best assess the damage on your vehicle, however, you technically can file a claim up to 2 years from the date of the damage.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.