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Compare car insurance in Hawaii

How to get cheap car insurance in Hawaii

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If you’re trying to save money on your insurance policy, looking at your state’s requirements is a good place to start. Each state has its own car insurance requirements, and tells you what the bare minimum is that you need to carry. But don’t forget to look at your own needs and safety concerns when choosing your full insurance plan.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

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Car insurance companies in Hawaii

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

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CompanyDirect premiums written (billions)Market share
State Farm$145,03818.6%
Farmers Insurance$48,4686.2%
Tokio Marine$39,1015.0%
Liberty Mutual$37,6404.8%
Island Insurance$25,1813.2%

Average car insurance costs in Hawaii

With average annual costs between $1200 and $1350, Hawaii is neither too expensive nor especially cheap when it comes to car insurance. If you’re looking to buy car insurance here, you can probably expect your cost to fall within this range.

However, it’s good to bear in mind that your unique background and circumstances could contribute to a rate that’s substantially higher or lower than the state average. No matter where you are, a whole host of factors can influence your auto insurance rates, and you’ll have to consider the factors that are under your control to get the best rate possible.

Cheapest car insurance in Hawaii

Which city has the cheapest car insurance in Hawaii?

Of Hawaii’s largest cities, Kaneohe has the cheapest rates and Mililani has the most expensive car insurance rates. Mililani drivers could face rates 2 times more than Kaneohe drivers.

Car insurance quotes in Waipahu

CompanyAnnual car insurance rate
State Farm$595

Car insurance quotes in Mililani

CompanyAnnual car insurance rate
State Farm$595

Car insurance quotes in Kaneohe

CompanyAnnual car insurance rate
State Farm$595

Car insurance quotes in Honolulu

CompanyAnnual car insurance rate
State Farm$595

Car insurance requirements in Hawaii

In order to legally drive in Hawaii, you’ll need insurance that at least includes:

  • $10,000 for personal injury protection (PIP) coverage. This will cover any injuries suffered by you or your passengers, regardless of who was at fault
  • $20,000 bodily injury liability coverage per person
  • $40,000 total bodily injury coverage per accident
  • $10,000 for property damage

When shopping for car insurance, you may see this written as 20/40/10.

Many drivers in some states are legally required to purchase uninsured or underinsured motorists coverage (UM/UIM). This coverage protects you if you get into a car accident with someone who doesn’t have enough insurance to cover the damages caused by an accident. Hawaii is an opt-out state, which means that car insurance companies are required to offer it, but you can choose not to take it.

Is Hawaii’s PIP coverage different than most states?

Yes. Hawaii’s PIP coverage doesn’t automatically come with reimbursement for lost wages, substitute services, funeral benefits and more. It’s a good idea to contact your insurance provider if you’re unsure of what exactly you’re covered for.

Can I get SR-22 insurance in Hawaii?

Yes, you can. You might need an SR-22 in Hawaii if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.

Insurance help for low-income Hawaii drivers

Some residents of Hawaii can get free car insurance through the Assistance to the Aged, Blind and Disabled (AABD) program. To qualify you must meet one of these requirements

  • Be 65 or older
  • Be blind
  • Be unable to work because of a physical or mental condition
  • Live with or take care of someone who gets AABD benefits
  • Your SSI doesn’t provide you with enough money

Bottom line

It can be hard to find car insurance policies with the exact policies and conditions you’re hoping for. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.

Frequently asked questions about car insurance in Hawaii

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

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