What's the Average Cost of Auto Insurance in Hawaii?

The Zebra
Oct. 23, 2018

Car insurance policies are relatively cheap in Hawaii. The average auto insurance cost in Hawaii is $1,079 per year — less than the US average by 24.4%.

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.


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Average Hawaii car insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations

Average Car Insurance Costs in Hawaii by Age Group

It’s a fact of life: as you grow older, your auto insurance prices shift. Generally, car insurance is more costly for teenage drivers, as insurers see inexperienced drivers as more risky.

In Hawaii, car insurance costs $1,253 per year for a 16-year-old driver, versus $1,080 per annum for a driver aged between 50 and 59.


HAWAII CAR INSURANCE PRICES BY AGE BRACKET
AgeAverage Yearly Premium
16$1,252.83
17$1,127.70
18$1,111.44
19$1,101.56
20s$1,080.69
30s$1,079.69
40s$1,079.69
50s$1,079.69
60s$1,079.69
70s$1,079.69

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.




Average Auto Insurance Premiums in Hawaii by Gender

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. It's the only state in which this is the case.


HAWAII AUTO INSURANCE RATES FOR WOMEN VS. MEN
GenderAverage Annual Rate
Male$1,079.69
Female$1,079.69

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.




Mean Auto Insurance Rates in Hawaii by Marital Status

One pro of nuptials — aside from the wedding gifts — is the better deal you may receive on your car insurance policy. In Hawaii, married drivers save $0 annually on auto insurance. This is a smaller discount than the US average of $76.


HAWAII AUTO INSURANCE PRICES BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,079.69
Married$1,079.69
Divorced$1,079.69
Widowed$1,079.69

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!




Average Car Insurance Rates in Hawaii by Credit

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.

In Hawaii, a driver who maintains exceptional credit saves $0.00 each year in car insurance premiums, compared to a driver with a less-favorable credit history. Read more about how credit affects auto insurance outlays:


HAWAII AUTO INSURANCE RATES BY CREDIT QUALITY
Credit LevelAverage Annual Premium
Very Poor (300-579)$1,079.69
Fair (580-669)$1,079.69
Good (670-739)$1,079.69
Very Good (740-799)$1,079.69
Exceptional (800-850)$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!




Median Car Insurance Premiums for High-Risk Drivers in Hawaii

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.


HAWAII AUTO INSURANCE RATES AFTER TICKETS
AgeAverage Yearly Rate
DWI/DUI$5,389.19
Reckless Driving$3,732.46
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
Open Container$1,556.90
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.


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