Cheap Car Insurance in Hawaii
Hawaii drivers pay an average of $1,175/year for auto insurance — $614 below the national average. Compare quotes and save.
How Hawaii stacks up
At $1,175 per year for full coverage, Hawaii drivers pay 34% less than the national average of $1,789. No-fault state. Credit score cannot be used in pricing; clean record + age drive your rate.
Premiums vary widely within Hawaii based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.
Required minimum coverage in Hawaii
Bodily injury liability
20/40 (in $thousands)
Property damage liability
$10,000
No-fault / PIP required
Yes
Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.
5 ways to lower your Hawaii car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10–25% discount).
- Ask about telematics / usage-based discounts (10–30% if you drive carefully).
- No-fault state. Credit score cannot be used in pricing; clean record + age drive your rate.
Hawaii insurance FAQ
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