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

The Zebra
Oct. 11, 2018

Auto insurance policies are affordable in Hawaii. The average auto insurance rate in Hawaii is $1,079 per year — less than the nationwide average by 24.4%.

Your auto insurance rates are impacted by factors aside from geography. Auto insurance premiums take into account myriad components, such as your age, gender, marital status, credit, and driving history.

We analyzed typical Hawaii auto insurance rates by all of the main rating components. Read on to learn how much car insurance costs in each US state — or submit your zip code to see personalized rates from top auto insurance companies.


Mean Auto Insurance Rates in Hawaii by Age

It’s a fact of life: as you get older, your auto insurance rates shift. As a general rule, auto insurance is more expensive for young drivers and teens, as car insurers view newer drivers as more risky.

In Hawaii, auto insurance runs $1,253 per year for a 16-year-old driver, and only $1,080 yearly for a driver in their 50s.


HAWAII CAR INSURANCE PRICES BY AGE
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



Average Car Insurance Premiums in Hawaii by Gender

While gender doesn’t carry as large an impact on auto insurance rates as location or experience level, it is utilized as a rating factor. for car insurance in Hawaii, but the disparity is only $0.00 annually.

HAWAII AUTO INSURANCE PRICES FOR MEN AND WOMEN
GenderAverage Annual Premium
Male$1,079.69
Female$1,079.69



Average Auto Insurance Premiums in Hawaii by Marital Status

One benefit of married life — in addition to the honeymoon — is the price cut you tend to receive on insurance. In Hawaii, wedded drivers save $0 annually on auto insurance. This is a smaller discount than the national savings of $76.


HAWAII CAR INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,079.69
Married$1,079.69
Divorced$1,079.69
Widowed$1,079.69



Average Auto Insurance Prices in Hawaii by Credit

Auto insurance underwriters reference credit history as a prediction of the reliability of a prospective client. Historical data indicate drivers with exceptional credit are often more insurable car insurance clients: they are less likely to file claims covered by insurance companies.

In the state of Hawaii, a motorist who maintains exceptional credit saves $0.00 each year on auto insurance rates, compared with a driver saddled with a less-favorable credit history. Read more about how credit score affects car insurance outlays:


HAWAII CAR INSURANCE EXPENDITURES BY CREDIT TIER
Credit ScoreAverage Annual Rate
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



Average Car Insurance Costs for High-Risk Motorists in Hawaii

If you’re defined as at fault for an accident or found guilty of a driving violation, your car insurance rates are bound to grow. The more violations you amass, the pricier your car insurance becomes.

In Hawaii, your first minor at-fault accident will lead to an extra $413.48 per year in car insurance premiums. A DUI — among the most grievous driving offenses — can raise your insurance rates in Hawaii by as much as $4,310.15.


HAWAII AUTO INSURANCE RATES WITH OFFENSES
AgeAverage Yearly Premium
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 car insurance premiums cost more than average, it's worth shopping policies to get reasonably priced insurance coverage that fits your budget.


Find affordable car insurance today!

Don't forget to share!