Are Auto Insurance Premiums Increasing in Hawaii?

Many drivers are aware from personal experience that insurance rates commonly increase year-over-year. But rate hikes aren't always the prevailing trend, and rate changes can be isolated to specific regions.

Among the primary rating factors insurance companies use to set rates is location. The local area and state in which a car is parked and driven help to determine car insurance rates — a phenomenon that comes down to state law and the risks associated with insuring cars in varying areas.

Because auto insurance pricing is so multi-faceted, year-over-year rate trends vary widely by state. Auto insurance rates might be increasing each year in a state but dropping for drivers across state lines.

See below car insurance rate trends in Hawaii. If your policy isn't following your state's trend, consider shopping for a cheaper insurance option. The Zebra's auto insurance comparison tool furnishes quotes based on your specific profile — enter your ZIP below to get started.

Car insurance rate trends in Hawaii

In Hawaii, average yearly auto insurance premiums increased by $29 in the past year. A driver in Hawaii typically now pays an average premium of $1,081 each year.

The trend in Hawaii is leaning toward less expensive car insurance. From 2015 to 2018, rates decreased by an average of $29 per year. Meanwhile, car insurance costs nationwide have increased steadily in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.

Year Avg. Annual Premium — Hawaii Yearly Change — Hawaii Avg. Annual Premium — USA Yearly Change — USA
2018 $1,081 $29 $1,470 $32
2017 $1,052 -$16 $1,437 $69
2016 $1,068 -$42 $1,368 $88
2015 $1,110 -$22 $1,280 $51
2014 $1,132 $46 $1,229 $34
2013 $1,086 -$177 $1,195 -$80
2012 $1,263 $157 $1,276 $82

If your policy pricing trend doesn't align with the above, the best step to take is to shop around.

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How are auto insurance rates changing in major Hawaii cities?

Auto insurance prices fluctuate at the ZIP code level, with a variety of location-specific variables impacting how much you pay. That means drivers can see major differences in their car insurance rates, based solely on their ZIP code or city. For instance, Honolulu drivers endured a larger yearly rate increase (0.2%) than did drivers in Pearl City (0.2%) between 2018 and 2017.

The below table shows annual auto insurance rate changes in Hawaii's largest municipalities If your city is expensive — and moving isn't on the table — consider shopping around for a more affordable rate.

City Avg. Rate Increase — 2018 vs. 2017
Honolulu 0.2%
Pearl City 0.2%
Kailua 0.2%
Kahului 0.1%
Hilo -0.0%

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The ZebraThe nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison tool, The Zebra partners with companies such as Allstate, Liberty Mutual, and Progressive to help consumers browse pricing, coverage, and service level for both home and auto insurance policies.