Cheap Hawaii Car Insurance

Compare the best rates from 2 car insurance companies in Hawaii.

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.

Cheap Car Insurance

It's cheap to get car insurance in Hawaii!

Whoa! Hawaii is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Hawaii might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Hawaii?
Rank Company Premium
1 USAA $945
2 State Farm $1,098
3 GEICO $1,362
4 Liberty Mutual $1,435
5 Progressive $1,592
6 Allstate $1,945
7 First of Hawaii $1,967
8 AIG $2,421

Cheap 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%.

Rating Factor $ Savings % Savings
No Traffic Tickets $108 9.06%
No Accidents $413 27.66%
Good Credit $0 0.00%

Cheap 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.

Age Annual Rate with Parents Annual Rate Alone
16 $2,744 $1,253
17 $2,744 $1,128
18 $2,744 $1,111
19 $2,744 $1,102

Cheap Car 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).

Rating Factor Annual Rate % Increase
At-Fault Accident $1,493 27.66%
DUI $5,389 79.97%
Speeding Violation $1,187 9.06%
Bad Credit $1,080 0.00%
Car Insurance Laws

State minimum insurance requirements in Hawaii

In Hawaii, the state minimum coverage requirements are as follows:
Personal Injury Protection (PIP)
Optional coverage in Hawaii (varies by carrier):

Liability coverage is legally required and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Hawaii, the minimum is listed as 20/40/10 and explained below:

$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. Although Hawaii is considered a “no-fault” state, drivers can still file lawsuits in the event of medical costs exceeding a $5,000 cap or serious injury or death resulting from an auto accident. Since work loss isn’t included on PIP, it should be considered as an “add-on” to your policy to better protect yourself in the event of an accident.

These numbers reflect the minimum limits required in Hawaii but higher coverage amounts are available with most companies.

Hawaii is a no fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Top Hawaii Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Hawaii.

Car Insurance FAQs

Are digital insurance cards accepted in Hawaii?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Hawaii you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Hawaii?

Uninsured Drivers in Hawaii




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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 Wailuku, Hawaii, and the most expensive in Hilo, Hawaii.

Rank City Avg. Annual Premium
1 Hilo $1,120
2 Kailua $1,073
3 Ewa Beach $1,036
4 Ewa Gentry $1,036
5 Makakilo $1,036
6 Royal Kunia $1,036
7 Waipahu $1,036
8 Honolulu $1,026
9 Halawa $1,026
10 Kaneohe $1,026
11 Kapolei $1,026
12 Mililani Mauka $1,026
13 Mililani Town $1,026
14 Nanakuli $1,026
15 Pearl City $1,026
16 Schofield Barracks $1,026
17 Wahiawa $1,026
18 Waianae $1,026
19 Waimalu $1,026
20 Kahului $1,006
21 Kihei $1,006
22 Lahaina $1,006
23 Wailuku $1,006

Recent Hawaii Car Insurance Questions and Answers

Do I have to prove a driver was uninsured?

Mar 25, 2018

I got hit by an uninsured motorist but I’m not sure how to file a claim for this. I don’t ...

Should I file an insurance claim?

Aug 18, 2017

Over a year ago I hit a tree and damaged the trunk of my car. The repair quote I got ...

Can I buy a policy for two drivers and one car so that we aren’t penalized for each other’s driving history?

Jul 19, 2016

I am moving from Hawaii to Minnesota in September with a roommate. We plan on buying a cheap used car ...

Driving Laws

Hawaii Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on all cell phones for drivers <18 years
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Hawaii
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

Hawaii Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Hawaii area, while also getting an insider view of the Aloha State.


So, Hawaii students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.