Cheapest Car Insurance in Hawaii for (updated 2023)

WRITTEN BY: Julia Matseikovich


The average car insurance in Hawaii costs $42 monthly for minimum coverage. Many cheap insurance companies are available, but the cost depends on many factors. We’re here to walk you through the process so you don’t have to do it alone.

Best Hawaii Car Insurance Companies

There are many great car insurance options in Hawaii that offer discounts, cheap rates, and amazing customer service. 

Cheapest Hawaii Car Insurance Company

USAA Insurance Logo

The cheapest car insurance in Hawaii is with USAA, but it’s only offered to members of the military, and their families. The second runner-up is State Farm, which also offers cheap rates even if you have a DUI.

Company With the Best Customer Service

Shelter Insurance Company Logo

According to J.D. Power’s 2021 Auto Satisfaction Survey, the top three insurers that offer the best customer service are:

  • USAA is the top company for customer service based on a score of 879 out of 1,000.
  • Shelter Insurance is second on the list for customer service based on a score of 856.
  • Farmers is third on the list with a score of 848.

Company With the Best Premium-Reducing Programs

GEICO Insurance Logo

​​There are many ways to reduce your premiums, including getting discounts. Certain discounts such as safe driver, new vehicle discounts, and multiple vehicle discounts bring your premium down. USAA is the one that offers the most discounts, along with Geico and Island insurance. 

Local and Regional Auto Insurance Companies in Hawaii

Island Insurance

Island Insurance is the largest locally-owned car insurer in Hawaii and offers a range of price options for car insurance. Budget-conscious drivers can opt for the insurer’s basic auto insurance policy, GoLow. GoLow is the minimum coverage and liability protection Hawaii requires for drivers. 

There’s also Island Auto Policy, a collection of coverages and limits for better coverage options, including uninsured/underinsured motorist. Automatic bonuses, such as accident forgiveness, come with Island Auto Policy. 

Discounts apply for bundles, prior insurance, hybrid vehicles, policy renewal, and multiple cars. You may save with an anti-theft system, airbags, and other features. 

Homesite Insurance

One of the first companies with insurance sold online, Homesite Insurance is a dedicated insurance provider for residents of Hawaii. Their car insurance policies cover collision, property damage liability, comprehensive, and bodily injury liability. 

You can expand and maximize your policy with additional coverages for medical expenses, rental reimbursement, roadside assistance, and other protection. Homesite Insurance lets you customize your policy to your needs and features several discounts for drivers, including home and auto insurance bundles. 

The General Insurance

The General Insurance specializes in car insurance for Hawaii drivers with less-than-perfect records at a price that won’t break the bank. They offer insurance for SR-22 drivers, drivers with a DUI, and those charged with moving violations. 

Their insurance products help Hawaiians meet the minimum requirements for bodily injury liability and property damage liability, with everything you need for no-fault insurance. 

Discounts from The General include savings for more than one vehicle, a homeowners discount, a good student discount, and a safe driver discount.

Hawaii Insurance Demographics

Demographics are a determining factor when it comes to the cost of Hawaii car insurance.

  • Crime Rates: Hawaii’s crime rate is 2.5 incidents per 1,000 people. That’s lower than the national rate of 4.0.
  • Average Household Income: The average household income is $107,348. The median household income is $83,173.
  • Median Age Range: The median age is 39.4 years of age. 
  • Education: In 2020, roughly 266,610 residents aged 25 years and older had a high school degree as their highest level of education.

Common Risk Factors In Hawaii

Common risk factors that increase car insurance rates are:

  • Speeding
  • Distracted driving
  • Reckless driving
  • At-fault accidents
  • Racing

Auto Insurance Laws In Hawaii

Specific laws in Hawaii determine what types of insurance you need to drive a motor vehicle. If you don’t have what you need to drive correctly, you will likely face fines or suspension of your license. 

What are the minimum car insurance requirements in Hawaii?

Car insurance in Hawaii requires that all drivers have insurance with a minimum liability limit of 20/40/10 and personal injury protection. This policy included $40,000 in bodily injury coverage, a $20,000 limit per person, $40,000 in property damage, and $10,000 in personal injury protection.

Am I required to carry uninsured motorist coverage in Hawaii?

No, it isn’t required, and you can reject the coverage in writing. 

Hawaii SR-22 and FR-44 policies

If you’re a high-risk driver or you’ve had a DUI or another infraction on your license, you’re legally required to get an SR-22. It’s not an insurance policy, but your insurance company requires it to insure you. Unfortunately, it’s not always possible to find cheap SR-22 insurance.

Is Hawaii a no-fault state?

Yes, Hawaii is a no-fault state. All drivers must have insurance that covers the cost of their vehicle and their passenger’s medical bills if there’s an accident.

What happens if my vehicle isn’t properly insured in Hawaii?

If you drive without insurance, you face penalties and fines. You face fines and license suspension for up to three months for a first offense and have to file an SR-22. If it’s your second offense, you also face jail time.

Does Hawaii accept digital insurance cards?

Digital insurance cards are accepted in Hawaii if an officer stops you. 

How Much Does Car Insurance In Hawaii Cost?

The cost of car insurance in Hawaii is determined by many things, including gender, age, where you live, driving history, credit score, and the insurer you choose. 

Average Cost of Car Insurance By City

The cost of auto insurance in Hawaii depends on the city in which you live. Some areas are cheaper than others. 

CityAverage Hawaii Car Insurance CostDifference From Hawaii Average
East Honolulu$1,1452%
Pearl City$1,1391%

Average Cost of Car Insurance By Company

Not all insurance companies in Hawaii are created equal. Some have different rates and discounts depending on where you live. 

Car Insurance CompanyAverage Full-Coverage Premium (Annually)
Island $1,606
State Farm$1,069

Average Cost of Car Insurance By Age

The cost of auto insurance in Hawaii changes depending on your age. You typically pay more than an experienced driver if you’re a young driver.

AgeAverage Full-Coverage Premium (Annually)
Age 18$1,294
Age 20$1,294
Age 25$1,272
Age 30$1,272
Age 40$1,272
Age 50$1,216
Age 60$1,216
Age 70$1,216

Average Cost of Car Insurance By Gender

In Hawaii, there is no difference between car insurance rates regarding gender. 

GenderAverage Full-Coverage Premium (Annually)

Average Cost of Car Insurance By Credit Score

Your credit score sometimes determines the cost of your car insurance. Insurers believe that people with great credit are likely to be good drivers. However, in Hawaii, your credit score makes no difference in the cost of your insurance. 

PoorAverage GoodExcellent
National Average$3,002$1,907$1,771$1,556

Average Cost of Car Insurance By Driving Record

Your driving record plays a large part in the cost of your car insurance in Hawaii. You will likely pay more for insurance if you have a terrible driving record. 

Driving IncidentAverage Full-Coverage Premium (Annually)
Clean Driving Record$1,127
Speeding Ticket$1,276

What Optional Hawaii Auto Insurance Coverages Should You Consider?

A few of the optional coverages available to you:

What Auto Insurance Discounts To Look For In Hawaii

Discounts are always available depending on the demographics in your area. There are safe driver discounts, multiple vehicles, and discounts based on age and driving record. Ask your insurer what discounts are available to you.


What kind of car insurance do I need in Hawaii?

Car insurance in Hawaii requires that all drivers have insurance with a minimum liability limit of 20/40/10, and personal injury protection.

What is the average cost of car insurance in Hawaii?

The average cost of car insurance in Hawaii is $639 yearly.

Is car insurance cheaper in Hawaii or California?

Car insurance in Hawaii is low compared to states such as California and Alaska.

Is it illegal to drive without insurance in Hawaii?

Yes. There are fines and penalties, even jail time, if you drive without a license. 

Is car insurance expensive in Hawaii?

Car insurance in Hawaii is relatively cheap — less than the US average by 24.4%.

How To the Cheapest Car Insurance In Hawaii

If you’re looking for cheap auto insurance in Hawaii, you should compare rates for multiple policies. Use our online quote tool to find the best deal.