Explore car insurance costs in Hawaii and learn more about important rating factors.
Your auto insurance costs are dictated by factors aside from state lines. Car insurance rates consider an array of considerations, such as a driver's credit score, driving record, age, gender, and marital status.
We examined typical Hawaii auto insurance rates by all of the major rating factors. See below how much car insurance costs in each US state — or submit your ZIP code to view tailored prices from popular insurance companies.
|Age||Average Yearly Premium|
If you're shopping for car insurance for a teen driver, Hawaii is the least expensive state in which to buy auto insurance for a 16-year-old.
While gender doesn’t have as significant an impact on auto insurance rates as location or experience level, it is used as a pricing factor by car insurance companies.
Men and women pay the same amount for car insurance in Hawaii. Along with Massachusetts, Pennsylvania, North Carolina, California, and Montana, these states do not use gender as a rating factor for car insurance premiums.
|Gender||Average Annual Rate|
If you're concerned you might not be getting the best value for your money with your present auto insurance company, the best option is to compare insurance companies.
One pro of nuptials — aside from the wedding gifts — is the better deal you may receive on your car insurance policy. In Hawaii, however, married drivers pay around the same rates as single, divorced, and widowed drivers. This is a smaller discount than the US average of $76.
|Marital Status||Average Annual Premium|
Car insurance for divorced drivers in Hawaii is the 42nd most expensive in the nation. If you are paying too much for your coverage, consider doing some comparison shopping. You might find a great deal!
Auto insurance underwriters use credit history to gauge how reliable a customer will be. Historical trends indicate drivers with good credit are often more dependable auto insurance clients: they are less likely to file claims insurance companies have to cover.
Hawaii is one of three states that does not use credit scores as a rating factor. Drivers with excellent and poor credit can expect comparable rates, assuming other factors remain constant.
|Credit Level||Average Annual Premium|
|Very Poor (300-579)||$1,079.69|
|Very Good (740-799)||$1,079.69|
Getting cheap auto insurance if you're saddled with a bad credit history can be tricky. But we're here to help out. Check out our guide to finding auto insurance with bad credit and save!
If you've been defined as at fault for a crash or convicted of a driving infraction, your auto insurance premiums are bound to grow. The more violations you rack up, the pricier your car insurance becomes.
In Hawaii, your first minor at-fault incident costs $413.48 per year in auto insurance payments. A DUI or DWI — one of the most serious driving infractions — will grow your annual car insurance costs in Hawaii by as much as $4,310.15.
|Violation||Average Yearly Rate|
|At-Fault Accident (<$1,000)||$1,492.52|
|At-Fault Accident ($1,000-$2,000)||$1,490.27|
|At-Fault Accident (>$2,000)||$1,492.52|
|Speeding (21-25 MPH > limit)||$1,195.54|
|Speeding (16-20 MPH > limit)||$1,186.32|
If your premiums are above-average, think about shopping to find cheap coverage that works.
How much you pay every month for auto insurance is dependent on the level of coverage you carry. Liability-only coverage typically costs less, while low-deductible comprehensive coverage usually costs more. In Hawaii, the price differential between liability-only coverage and full coverage with a $500 deductible is $576.
|Coverage Level||Average Annual Premium|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$676|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,118|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,252|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$599|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,041|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,175|
|State Minimum — Liability Only||$510|
|State Minimum — $1,000 Comprehensive/Collision||$952|
|State Minimum — $500 Comprehensive/Collision||$1,086|
If you are looking for a better deal on auto insurance, think about shopping policies to discover affordable coverage that covers your vehicle appropriately.