Best Auto Insurance Rates in Hawaii

On average, your neighbors pay between $48 to $102 a month.

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Car insurance in Hawaii costs $48 a month for minimum coverage and $102 a month for full coverage. USAA and Tradewind sell the cheapest car insurance in Hawaii.

If you’re looking for your cheapest auto insurance premium in Hawaii, you’ll want to do some research. We wrote this guide on Hawaii's average car insurance rates, cheap companies and insurance laws to help you keep money in your pocket. This article will go over:

What are Hawaii’s average car insurance rates?

How much is auto insurance in Hawaii? Our data show that the average cost of car insurance is $570 per year for minimum coverage and $1,228 per year for full coverage. Hawaii’s annual rate for minimum coverage is lower than the national average of $641, but the full-coverage rate isn’t much lower than the national average of $1,255. These averages may vary based on regional and personal factors such as your ZIP code, driving record and claims history.

Cheapest auto insurance rates in Hawaii

The graph below shows the average annual rates for minimum auto insurance from the top providers operating in Hawaii. USAA has the lowest average cost of just $361 per year, while Farmers has the highest, $1,180.

 

While the minimum car insurance rates in Hawaii are relatively low, they may jump up considerably once you start looking at full-coverage options. To offset your costs as much as possible, compare quotes from multiple insurance providers to find the lowest rates you can.

Hawaii’s best auto insurance companies

The table below shows Hawaii’s best car insurance companies based on state market share and ratings from J.D. Power’s 2020 auto insurance study. This data can give you a good grasp of where Hawaiians often go for their car insurance needs.

Best car insurance companies in Hawaii
Company Market share in Hawaii 2020 J.D. Power satisfaction rating (out of 1,000)
GEICO 28% 841
State Farm 17% 855
USAA 15% 890
Allstate 9% 812
Farmers 5% 826
Tradewind 3%

GEICO is the most popular car insurance provider in Hawaii, with more than 25% of the market share in the state

Hawaii auto insurance laws

What is the minimum required car insurance in Hawaii?

Under Hawaii state law, drivers are required to carry 20/40/10 liability. That means drivers must have the following insurance coverage:

  • Individual bodily liability: $20,000
  • Total bodily injury liability: $40,000
  • Property damage liability: $10,000

Minimum liability coverage is generally bare bones. We recommend increasing your liability limits to 100/300/100. It's relatively affordable to increase liability limits.

Hawaii is one of 12 “no-fault” states. This means your auto insurance provider will pay for injuries to you and your passengers after an accident, regardless of who caused the accident. Personal injury protection (PIP) covers these costs up to the set limit. Hawaii state law requires drivers to have a minimum of $10,000 PIP coverage.

SR-22 requirements in Hawaii

If your license is suspended for any reason, Hawaii state law requires you to file an SR-22. An SR-22 acts as proof that you carry the state-required minimum amount of liability insurance.

Hawaii requires you to maintain an SR-22 for a minimum of three consecutive years. If you do not renew your SR-22 within 15 days of its expiration or fail to maintain auto insurance coverage, your license may be suspended again until either of these situations are rectified. You may have to restart the three-year period again as well.

Hawaii DUI laws

If you are found driving in Hawaii with a blood alcohol content (BAC) of 0.08% or higher, you are guilty of driving under the influence (DUI). Depending on how many DUIs you have on your driving record, penalties may include:

  • License suspension for 90 days to five years.
  • Up to five years imprisonment.
  • $150 to $2,500 in fines.
  • A Class “C” felony conviction.

These are just the legal penalties you may face. After a DUI, you will likely see a big jump in your auto insurance rates. You could see a $5,000 increase in your annual premium after a DUI. This assumes that auto insurance is available to you. Auto insurers tend to consider DUIs a high risk indicator and reserve the right to not offer coverage after one.

Senior drivers

Hawaii state law requires drivers 72 years and older to renew their license in person at the DMV every two years, along with passing a vision test. A written and driving test may be required at the time of renewal as well.

Methodology

QuoteWizard compiled average rates from Quadrant Information Services based on the following variables:

  • A 35-year-old single driver.
  • Employed, with a bachelor’s degree college education.
  • Excellent credit score and zero accidents.
  • Drives a 2012 Honda Accord LX with an annual mileage of 16,000 miles.

Hawaii Department of Commerce and Consumer Affairs - Insurance

Website:
Homepage
Insurance Commissioner:
Colin M. Hayashida
Insurance Hotline:
(808) 586 – 2790
Office Hours:
Monday - Friday
7:45 am to 4:30 pm
File a Consumer Insurance Complaint
Complaint Page

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