Updated April 2026 | Rank #7 of 51
Car Insurance Cost Per Month in Hawaii 2026
Full coverage avg
$143/mo
Minimum coverage avg
$43/mo
State minimum reqs
20/40/10
No-fault / PIPCredit scoring banned
Credit scoring banned. No-fault state with lower-than-average accident severity and low vehicle theft rates. Adjust age and vehicle below to see your estimated monthly cost.
Hawaii
in Hawaii with a Sedan
$143/month
Full coverage estimate (100/300/100 + collision + comp). -$65 below national avg
State Min$82/mo20/40/10
Standard$106/mo50/100/50
Full Coverage$143/mo100/300/100
Source: NerdWallet 2026, ValuePenguin 2026, Bankrate 2026
How we calculate thisAverage Monthly Cost by Age in Hawaii 2026
| Age | Min Coverage | Full Coverage (Sedan) | Details |
|---|---|---|---|
| 16 | $278 | $486 | Age 16page → |
| 17 | $253 | $443 | Age 17page → |
| 18 | $221 | $386 | Age 18page → |
| 19 | $188 | $329 | Age 19page → |
| 25 | $82 | $143 | Age 25page → |
| 35 | $69 | $122 | Age 35page → |
| 45 | $71 | $124 | Age 45page → |
| 65 | $78 | $136 | Age 65page → |
Average Monthly Cost by Vehicle Type in Hawaii
Top 3 Carriers in Hawaii by Market Share (NAIC Q1 2026)
1
State Farm
By direct written premium
2
GEICO
By direct written premium
3
Allstate
By direct written premium
Market share data is from NAIC Q1 2026 public filings. Market share does not equal cheapest rate for your profile.
Nearby States by Cost Rank
Hawaii Car Insurance FAQs
What is the average car insurance cost per month in Hawaii?⌄
The average car insurance cost in Hawaii is $143 per month for full coverage (100/300/100 plus collision and comprehensive) as of 2026, per cross-referenced data from NerdWallet, Bankrate, and ValuePenguin. Minimum-coverage-only policies average $43 per month. Hawaii ranks #7 of 51 jurisdictions by cost (1 = cheapest, 51 = most expensive).
What is the minimum car insurance required in Hawaii?⌄
Hawaii requires minimum liability coverage of 20/40/10. Hawaii is a no-fault state requiring Personal Injury Protection (PIP) in addition to liability.
Who has the cheapest car insurance in Hawaii?⌄
The top three carriers by market share in Hawaii are State Farm, GEICO, Allstate, per NAIC Q1 2026 market filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.
Does Hawaii have no-fault insurance?⌄
Yes. Hawaii is a no-fault state, requiring drivers to carry Personal Injury Protection (PIP) coverage. Under no-fault, each driver's own insurance pays their own medical bills after an accident, regardless of fault. Hawaii's minimum PIP requirement is part of the 20/40/10 minimum package.
Why is car insurance so cheap in Hawaii?⌄
Credit scoring banned. No-fault state with lower-than-average accident severity and low vehicle theft rates.
Is my credit score used for car insurance in Hawaii?⌄
No. Hawaii explicitly bans the use of credit-based insurance scores in car insurance underwriting. Carriers in Hawaii must price based on driving record, age, vehicle, and other non-credit factors.