How much does Travelers auto insurance cost in Hawaii?

Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Travelers in Hawaii runs about $1,025/year (~$85/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.

Is Travelers cheaper than other carriers in Hawaii?

Yes — Travelers typically runs about 13% below the Hawaii state average ($1,175/year for all carriers combined). The cheaper alternatives in Hawaii are typically USAA, Erie, GEICO. Whether Travelers is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.

What are the Hawaii minimum coverage requirements?

Hawaii requires at least 20/40 thousand in bodily-injury liability per person/per accident and $10K in property-damage liability. Hawaii is a no-fault state, so personal injury protection (PIP) is also required. No-fault state. Credit score cannot be used in pricing; clean record + age drive your rate.

Does Travelers offer discounts to Hawaii drivers?

Travelers offers 7+ discounts that Hawaii drivers can stack: IntelliDrive (telematics), Multi-policy, Continuous insurance, Hybrid/EV, Homeowner, Safe driver, New car. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.

How much does Travelers auto insurance cost in Hawaii?

Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Travelers in Hawaii runs about $1,025/year (~$85/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.

Is Travelers cheaper than other carriers in Hawaii?

Yes — Travelers typically runs about 13% below the Hawaii state average ($1,175/year for all carriers combined). The cheaper alternatives in Hawaii are typically USAA, Erie, GEICO. Whether Travelers is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.

What are the Hawaii minimum coverage requirements?

Hawaii requires at least 20/40 thousand in bodily-injury liability per person/per accident and $10K in property-damage liability. Hawaii is a no-fault state, so personal injury protection (PIP) is also required. No-fault state. Credit score cannot be used in pricing; clean record + age drive your rate.

Does Travelers offer discounts to Hawaii drivers?

Travelers offers 7+ discounts that Hawaii drivers can stack: IntelliDrive (telematics), Multi-policy, Continuous insurance, Hybrid/EV, Homeowner, Safe driver, New car. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.

Travelers Auto Insurance in Hawaii

Travelers is the largest property-casualty insurer in the U.S. and writes about 2.5% of the personal-auto market. IntelliDrive telematics + ~150-year claims operations history make it a default choice for risk-averse drivers who want a balance of price and service. Here's what Travelers typically costs in Hawaii for 2026 — plus the 3 cheaper alternatives most Hawaii drivers overlook.

Read our full Travelers auto insurance review

Estimated annual premium

$1,025

Estimated monthly

$85

Hawaii state avg

$1,175

vs Hawaii avg

-13%

Why drivers pick Travelers

Strong claims-handling and policy stability — Travelers has lower mid-policy rate creep than most direct writers (industry-low 3.2% avg annual increase vs. peer 5.5%).

Where Travelers falls short

Initial quotes for high-risk drivers (1+ at-fault claims, sub-680 FICO) run 15-25% above peer carriers — pricing softens at renewal but starts steep.

Hawaii minimum coverage requirements

Bodily Injury Liability: 20/40 thousand per person / per accident
Property Damage Liability: $10K
No-Fault State: Personal Injury Protection (PIP) coverage required

No-fault state. Credit score cannot be used in pricing; clean record + age drive your rate.

Cheaper alternatives to Travelers in Hawaii

Based on CarSavr's rate modeling, the 3 carriers below typically come in below Travelers for a comparable driver profile in Hawaii. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.

USAA

Active-duty military · Veterans + military spouses + adult military kids

$700/yr

Save $325/yr

Erie

Drivers in Erie's 12-state footprint · Stability-first policy holders

$875/yr

Save $150/yr

GEICO

Clean-record drivers · Online-first shoppers

$900/yr

Save $125/yr

Travelers discounts available to Hawaii drivers

IntelliDrive (telematics)Multi-policyContinuous insuranceHybrid/EVHomeownerSafe driverNew car

Travelers Hawaii rates by vehicle class

Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Travelers Hawaii estimate for each class:

+10% vs sedan

Travelers SUV insurance

Hawaii estimate · Toyota Highlander, Honda Pilot

+15% vs sedan

Travelers Pickup truck insurance

Hawaii estimate · Ford F-150, Chevy Silverado

+25% vs sedan

Travelers Electric Vehicle (EV) insurance

Hawaii estimate · Tesla Model 3, Tesla Model Y

Travelers Hawaii rates by driver profile

Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Travelers Hawaii estimate for each profile:

+100% vs standard

Travelers New Driver insurance

Hawaii · 16-24

-8% vs standard

Travelers Senior Driver insurance

Hawaii · 65+

Travelers NOT ELIGIBLE

Travelers SR-22 High-Risk insurance

Hawaii · any (SR-22 required)

-18% vs standard

Travelers Low-Mileage Driver insurance

Hawaii · any (<7,500 mi/yr)

Frequently asked questions

Methodology: Estimated annual premium is computed as Travelers's national average ($1,560) multiplied by Hawaii's state-vs-national premium index ($1,175 ÷ national average $1,789 ≈ 0.66x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Travelers J.D. Power score: 821/1000. A.M. Best rating: A++ (2024).