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With terrain that ranges from it famous pristine beaches to its lesser-known snowcapped mountain peaks, Hawaii’s landscape is both diverse and beautiful. Based on our recent survey of car insurance rates, we also found a range in average annual car insurance prices in Hawaii.

With six main islands that spread out over 1,500 hundred miles off the Pacific coast of North America, the volcanic archipelago is both a more varied landscape and larger state than most people realize. In fact, the big island of Hawaii alone is about the size of Connecticut.

With about 1.4 million residents, the islands of Hawaii make up the eighth smallest state in the Union, but Hawaii is the 13th most densely populated. Its varied demographics and geography make for a varied driving experience, from rural byways to urban gridlock. Our study found that while insurance rates differ in Hawaii, the differences were not as great as we’ve seen in some other states. Depending on your age, location, driving record, and other factors, our survey results could show you how to save a substantial amount of money on your car insurance.

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Average Annual Auto Insurance Rates in Hawaii

Company

Average Rate

State Farm

$1,040.28

USAA

$1,189.35

Allstate

$2,173.49

Progressive

$2,177.93

Liberty Mutual

$3,189.55

Geico

$3,358.86

Farmers

$4,763.82

How We Found the Cheapest Car Insurance in Hawaii

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60 years. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford-F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. The rates shown here are for comparative purposes only. Individual rates will differ.

How Much Does Car Insurance Cost in Hawaii?

In spite of their remote location far from the mainland, our survey found that Hawaiians pay about $1,400 less annually than the national average rate for car insurance. Still, rates vary widely between the seven major insurance companies included in our survey, with a $3,700 difference between the least and most expensive rates.

Farmers charged Hawaiians the most on average, at $4,764. State Farm had the most affordable rates at $1,040 on average, edging out even USAA’s average of $1,189. That comes as something of a surprise, because we’ve found USAA to have the best rates in several other states. It’s also good news for nonmilitary families because USAA only offers coverage to members of the U.S. military, veterans, and the member’s spouse and children.

Rates start going up fast if you look past those two companies. Allstate and Progressive customers paid around $1,000 more on average, or $2,173 and $2,178, respectively. Liberty Mutual or Geico had annual premiums averaging $3,190 and $3,359.

The good news for young drivers is that our survey found their rates were much less in Hawaii than we’ve seen in some other states, with several companies charging the same rates annually for all ages and genders.

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Average Annual Car Insurance Rates in Hawaii by Age and Gender

Company

Single 17-year old female

Single 17-year old male

Single 25-year old female

Single 25-year old male

Married 35-year old female

Married 35-year old male

Married 60-year old female

Married 60-year old male

Allstate

$2,173.49

$2,173.49

$2,173.49

$2,173.49

$2,173.49

$2,173.49

$2,173.49

$2,173.49

Farmers

$5,077.15

$5,077.15

$4,659.38

$4,659.38

$4,659.38

$4,659.38

$4,659.38

$4,659.38

Geico

$3,358.86

$3,358.86

$3,358.86

$3,358.86

$3,358.86

$3,358.86

$3,358.86

$3,358.86

Liberty Mutual

$3,218.54

$3,218.54

$3,179.88

$3,179.88

$3,179.88

$3,179.88

$3,179.88

$3,179.88

Progressive

$2,781.14

$2,781.14

$1,976.86

$1,976.86

$1,976.86

$1,976.86

$1,976.86

$1,976.86

State Farm

$1,040.28

$1,040.28

$1,040.28

$1,040.28

$1,040.28

$1,040.28

$1,040.28

$1,040.28

USAA

$1,228.37

$1,228.37

$1,176.35

$1,176.35

$1,176.35

$1,176.35

$1,176.35

$1,176.35

Allstate, Geico, and State Farm all charged 17-year old unmarried drivers the same rates as drivers in every other age bracket in our survey. Regardless of age, gender, or marital status, everybody paid an average of $1,040 with State Farm, $2,173 with Allstate, and $3,358 with Geico.

Even when insurers charged young drivers higher premiums, the difference was not as great as we’ve seen in some other states. In some cases, the upcharge was minimal. USAA charged 17-year-olds of either gender $1,228 on average, only about $50 more than the $1,176 paid by drivers aged 25, 35, and 60. With Liberty Mutual, the difference was about $40. Farmers rates were about $500 more for the youngest demographic group in our survey. Progressive tacked on the largest increase for 17-year-olds, at about $700.

Interestingly, none of the companies in our survey had any difference in rates with other age groups in Hawaii, with identical average premiums for drivers aged 25, 35, and 60.

Hawaii Auto Insurance Minimum Coverage Requirements

Car insurance is required in Hawaii, and drivers are required to carry an insurance card in their vehicle at all times. Here are the required coverage amounts:

  • Bodily injury liability coverage of $20,000 per person and $40,000 per incident to go toward medical costs for others when you are deemed at fault in a crash
  • Property damage liability coverage of $10,000 per incident, to pay for damage to the vehicle or belongings of others following a collision when you are at fault
  • Personal injury protection (PIP) of $10,000 per person, which covers medical costs for you and passengers in your vehicle

The minimum coverage requirements in Hawaii are lower than we’ve seen in some other states, and they may be part of the reason why rates are so low. However, keep in mind that the minimum coverages listed above do not cover the cost of repairs to your own vehicle – that’s what comprehensive and collision coverage are for. Whether you choose to opt for such coverage or not, it is typically required by the lender if you finance or lease your vehicle.

Hawaii does not require uninsured motorist coverage, but it’s something you’ll want to have if you’re involved in a crash with a driver who doesn’t have insurance. Wage loss, alternative care, funeral costs, and other types of coverage are also not included with basic coverage. Regardless of whether you choose to pay for any of the optional coverages that are available, it’s a good idea to consider liability protection beyond the minimums required by the state. With today’s medical costs, it doesn’t take long to rack up $10,000 or $20,000 in medical bills. Opting for only minimum coverage leaves you responsible for any additional amount. Talk with an agent if you’re not sure which coverages and amounts are best for you.

Cheapest Car Insurance in Hawaii

Although insurance rates in Hawaii are more affordable overall than some other states, that doesn’t mean you should skip looking for discounts. Depending on your age, credit history, driving record, and other factors, your rates may be higher than the statewide averages. You could save money, however, and we may be able to help.

Switching companies is one of the quickest ways to save, and competing quotes from other insurance companies can give you an idea of how much you would save. Car insurance is a competitive business, and even if you’re happy with your insurer, it’s a good idea to shop around once a year. Our survey found a difference of around $3,700 annually between average rates of the seven insurance companies included in our Hawaii survey.

If you live in Hawaii, State Farm is worth considering. State Farm had the lowest average rates in our survey for all drivers in Hawaii, at $1,040 regardless of age, gender, or marital status. USAA wasn’t far behind at $1,228 annually for 17-year-olds and $1,176.35 for all other groups, regardless of age or gender. Again, note that USAA coverage is not available to everyone – only members of the military, veterans, and a member’s spouse and children.   

If you live in Hawaii and don’t have State Farm or USAA, it may be time for a change. Average rates are much higher with other insurers in our survey. Allstate and Progressive customers pay around $1,000 more per year on average, and Liberty Mutual and Geico added another $1,000 on top of that. With an average rate of $4,764, Farmers was the most expensive by a considerable margin.

You might think that driving fewer miles per year would translate into lower rates, but our survey found it often makes little difference whether you put on 6,000 or 12,000 miles per year. That is especially true in Hawaii, where six of the seven insurance companies in our survey charged the same rates whether drivers had 6,000 or 12,000 annual miles. Only Allstate charge more for drivers traveling 12,000 miles per year. Allstate charged these drivers $275 more on average compared to those driving 6,000 miles a year.

Average Annual Car Insurance Rates in Hawaii Based on Miles Driven

Company

6,000 miles annually

12,000 miles annually

Allstate

$2,035.52

$2,311.46

Farmers

$4,763.82

$4,763.82

Geico

$3,358.86

$3,358.86

Liberty Mutual

$3,189.55

$3,189.55

Progressive

$2,177.93

$2,177.93

State Farm

$1,040.28

$1,040.28

USAA

$1,189.35

$1,189.35

Opting for the bare minimum coverage will save a few dollars compared to going with high coverage limits, but the small savings are hardly worth it and could become meaningless after even the most minor claim. The cost difference between low and high coverages ranged from around $130 to $345 among the seven insurers in our survey, making higher coverage limits a wise investment for all but the most cash-strapped drivers.

Average Annual Car Insurance Rates in Hawaii Based on Coverage Level

Company

Low

Medium

High

Allstate

$2,020.68

$2,178.85

$2,320.93

Farmers

$4,573.64

$4,799.09

$4,918.73

Geico

$3,199.86

$3,383.07

$3,493.66

Liberty Mutual

$3,193.05

$3,009.99

$3,365.60

Progressive

$1,988.28

$2,176.37

$2,369.14

State Farm

$969.68

$1,042.97

$1,108.19

USAA

$1,123.14

$1,188.96

$1,255.96

USAA had the smallest increase of $133 for higher coverage, and State Farm’s average rate only went up $138. Even the largest increase in our survey of $345 with Farmers was not that much compared to the overall cost. That makes a better case for shopping around between companies than it does for skimping on coverage.

No matter which insurance company you choose, maintaining a clean driving record and good credit score are great ways most drivers can save on car insurance in Hawaii. Just one speeding violation raised average rates in Hawaii with Allstate by almost $500. Our survey found similar hikes with Progressive and Liberty Mutual, amounting to $488 and $475, respectively. But the difference was $90 with State Farm, and less than $35 with USAA. There was no increase with Farmers and Geico.

One accident raised rates with all seven insurers in our survey, but again, the amount of the increase varied greatly. With State Farm and USAA, the increase was about $200. With Geico, it was around $400 and close to $500 with Liberty Mutual. Allstate and Progressive customers saw an average hike of closer to $700 after one collision. And those with Farmers saw their rates go up by almost $1,200 per year.

Average Annual Car Insurance Rates in Hawaii Based on Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,293.11

$1,774.29

$1,904.18

$3,722.37

Farmers

$2,290.51

$2,290.51

$3,419.86

$11,054.40

Geico

$1,414.01

$1,414.01

$1,834.57

$8,772.86

Liberty Mutual

$1,697.57

$2,124.21

$2,124.21

$6,812.19

Progressive

$1,649.25

$2,137.29

$2,322.92

$2,602.26

State Farm

$950.44

$1,040.29

$1,130.10

$1,040.29

USAA

$901.18

$942.77

$1,109.67

$1,803.79

Drivers with a DUI conviction paid the highest rates overall, and this category had the widest range of costs – more than $10,000 from lowest to highest. State Farm drivers with one DUI paid $1,040 on average, while Farmers customers paid $11,054 on average for the same offense.

Your credit history can have a significant impact on the price you pay for car insurance, often amounting to hundreds of dollars per year. Unfortunately, this data was unavailable in Hawaii. If you have credit issues, ask your agent or a company representative and compare rates from different insurers.

Our survey results underscore the importance of shopping around, especially if you have a less-than-stellar driving record. If you do have some previous violations, it also shows the value in slowing down and working toward improving your record. And don’t be afraid to get new quotes annually as your circumstances change. A speeding violation will disappear from your record over time, and your credit rating can improve quickly as you pay bills on time and reduce debt.

Why Car Insurance Rates Vary in Hawaii

There are other factors beyond your age, gender, and driving record that go into determining car insurance rates, not the least of which is where you live. Insurance tends to cost more in densely populated areas than in rural areas, for the simple reason that congestion increases the odds of colliding with something. Areas with higher crime rates also have generally higher insurance premiums.

While our survey found that these geographic factors can contribute to widely varying rates within some states, we found this is not really the case in Hawaii. Of the 20 towns and cities represented in our survey, we found a range of only $800 from lowest to highest average. That’s much less than the thousands of dollars we’ve seen in some states. Waimea and Kapaa were tied for most affordable at $2,199, while Hilo, Hawaiian Paradise Park, and Holualoa were the costliest at $2,859. Residents of Honolulu, the largest city in Hawaii, paid $2,511 on average – close to the same rates we found for most other communities in the state.   

Average Annual Car Insurance Rates in Hawaii by City

City

Average Rate

Kapaa

$2,198.62

Waimea

$2,198.62

Kahului

$2,459.60

Kihei

$2,459.60

Pearl City

$2,508.57

Kailua

$2,508.57

Kapolei

$2,508.57

Maili

$2,508.57

Aiea

$2,508.57

Ahuimanu

$2,508.57

Laie

$2,508.57

Schofield Barracks

$2,509.88

Honolulu

$2,511.19

Halawa

$2,511.19

Hickam Housing

$2,511.19

Ewa Beach

$2,520.31

Royal Kunia

$2,520.31

Hilo

$2,859.11

Hawaiian Paradise Park

$2,859.11

Holualoa

$2,859.11

How to Get Cheapest Car Insurance in Hawaii

Even with its relatively affordable rates overall, there are several ways most drivers can save right away on car insurance in Hawaii, regardless of your driving record or other factors. Most insurance companies offer a discount for bundling car insurance with another policy, such as homeowners or renters insurance. Some insurance companies offer lower rates for members of certain credit unions or other organizations.

Students who maintain good grades may be eligible for reduced rates, or their parents may get a break if young drivers are away at school. And many insurers now offer discounted rates for drivers willing to install a device that tracks their behavior behind the wheel.

Another easy way to lower premiums is by opting for a higher deductible, which is the amount you pay for expenses after a crash before your insurance kicks in. Consider eliminating collision or comprehensive coverage if you have an older car that might not be worth repairing after even a fender bender, and always review your options and get competitive quotes once a year. You may be able to save as circumstances change, your car ages, and your financial situation and driving record improve. Always ask your insurance agent what discounts you might be eligible for, or check insurance company websites for more details.

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Important Laws Around Auto Insurance in that Hawaii

Car insurance is required in Hawaii, and an insurance card must be carried in the car at all times. If it’s not in the vehicle, you risk getting a ticket. Proof of insurance is required in order to pass mandatory annual vehicle inspections.

Hawaii is a no-fault insurance state. Regardless of who is at fault in a crash, insurance covers medical expenses for passengers in your vehicle up to the limits of your required personal injury protection (PIP) coverage. No-fault coverage also means you cannot be sued after a crash in Hawaii, unless there are serious injuries. It is important to note that Hawaii only requires a minimum of $10,000 per person in PIP coverage, which is not likely to go far if a hospital visit is involved. Given the relatively low cost for additional coverage, it might be wise to invest in higher PIP limits.

Also note that no-fault insurance in Hawaii only applies to injuries and not property, so you are still responsible for damage to the vehicle and property of others involved in a crash if you are deemed to be at fault. Other required coverages in Hawaii include bodily injury liability coverage of $20,000 per person and $40,000 per accident, along with property damage liability coverage of $10,000 per occurrence.

New residents have 30 days to transfer their driver’s license, vehicle registration, and insurance to Hawaii.

Hawaii Driving Laws and Punishments

Using any hand-held electronic device behind the wheel is prohibited in Hawaii unless the vehicle is parked off the roadway with the engine off. An exception can be made for 911 emergency calls. Drivers pulled over for texting, making a phone call, or any other use of an electronic device are subject to a $250 fine, rising to $300 if the offense occurs in a school zone.

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Those suspected of driving under the influence of alcohol are subject to a roadside sobriety test. Any drivers found to have a blood alcohol content of .08 or higher are considered to be driving under the influence and face an immediate administrative loss of license. A temporary driving permit may be granted for 30 days.

The limit for drivers under the age of 21 is .02 percent, as part of the state’s zero tolerance policy. Drivers who refuse the test are subject to loss of license for one, two, or four years depending upon their prior drinking and driving record.

If convicted of a first offense, drivers face a fine of between $150 and $1,000, loss of license for one year, and mandatory enrollment in a drug or alcohol abuse program. The court may permit limited driving privileges to enable an offender to get to work.

Drivers convicted of a second offense are subject to a fine of between $500 and $1,500, along with five to 30 days in jail or 240 hours of community service, and a license revocation of up to two years. A third offense brings a fine of between $500 and $2,500, 10 to 30 days in jail, and a loss of license for two years.

Driving without insurance carries a $500 fine and a three-month loss of license for a first offense. Drivers may be able to perform 57 to 100 hours of community service in lieu of a fine. A second offense brings a one-year license suspension and fines of between $1,500 to $5,000 or 200-275 hours of community service. Increased penalties for multiple offenders include up to 30 days in jail, revocation of registration privileges, and impounding of the vehicle. Drivers involved in a crash and found to be without insurance face a two-year license suspension.

Hawaii Car Insurance FAQs

Is car insurance required in Hawaii?

Yes, car insurance is required in Hawaii. Here are the minimum coverage amounts:

  • Bodily injury liability coverage of $20,000 per person and $40,000 per incident
  • Property damage liability coverage of $10,000 per incident
  • Personal injury protection (PIP) of $10,000 per person

Which cars are required to be insured in Hawaii?

Any vehicle driven on the roads of Hawaii must be registered, inspected, and insured.

When should I get car insurance in Hawaii?

Car insurance is required to register a vehicle in Hawaii. New residents have 30 days to transfer their license, registration, and insurance to the state.

What happens if my car is not properly insured in Hawaii?

Uninsured motorists in Hawaii face fines of between $500 and $5,000, loss of license, and possible jail time.

Is Hawaii a no-fault state?

Yes, Hawaii has limited no-fault insurance for medical expenses for passengers in your vehicle. No-fault insurance in Hawaii only applies to injuries, so you are still responsible for damage to the vehicle and property of others involved in a crash.

Do I need uninsured motorist coverage in Hawaii?

No, uninsured motorist coverage is not required in Hawaii.

Is liability insurance required in Hawaii?

Yes, Hawaii requires bodily injury liability coverage of $20,000 per person and $40,000 per incident, as well as property damage liability coverage of $10,000 per incident.

Does Hawaii accept digital insurance cards?

A printed insurance card is required in Hawaii, and it must be carried in the vehicle at all times.

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