Updated NAIC 2023 data | Rank #5 of 51 by average expenditure
Car Insurance Cost Per Month in Hawaii
Full coverage avg
$83/mo
Minimum coverage avg
$39/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
$95/month
Anchored on the state average for a policy with liability, collision and comprehensive. -$25 below national avg
State Min$45/mo20/40/10
Standard$70/mo50/100/50
Full Coverage$95/mo100/300/100
State anchor: NAIC Auto Insurance Database Report, 2023 data year. Age and vehicle adjustments are modelled.
How we calculate thisModelled Monthly Cost by Age in Hawaii
| Age | Min Coverage | Full Coverage (Sedan) | Details |
|---|---|---|---|
| 16 | $152 | $324 | Age 16page → |
| 17 | $139 | $296 | Age 17page → |
| 18 | $121 | $258 | Age 18page → |
| 19 | $103 | $219 | Age 19page → |
| 25 | $45 | $95 | Age 25page → |
| 35 | $38 | $81 | Age 35page → |
| 45 | $39 | $83 | Age 45page → |
| 65 | $43 | $91 | Age 65page → |
Average Monthly Cost by Vehicle Type in Hawaii
Top 3 Carriers in Hawaii by Market Share
1
State Farm
By direct written premium
2
GEICO
By direct written premium
3
Allstate
By direct written premium
Market share does not equal the cheapest rate for your profile. Compare at least three carriers.
Nearby States by Cost Rank
Hawaii Car Insurance FAQs
What is the average car insurance cost per month in Hawaii?⌄
On the 2022/2023 Auto Insurance Database Report (2023 data year), a policy in Hawaii carrying liability, collision and comprehensive averaged $83 a month, and the liability portion alone $39. The average insured vehicle in the state cost $74 a month, whether or not it carried the physical damage coverages, which ranks Hawaii #5 of 51 jurisdictions (1 = cheapest). These are averages across every driver, vehicle and limit in the state, not quotes, and the NAIC series runs about two years behind.
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 market share 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.