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Compare car insurance in Hawaii

Get the cheapest car insurance in Hawaii for 2021

The average annual cost of car insurance in Hawaii is $944.70. Narrow down car insurers offering coverage in Hawaii by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

Hawaii’s average car insurance rate is $944.70 per year or about $79 per month, according to the National Association of Insurance Commissioners (NAIC). Drivers in the pacific paradise pay 20% less than the national average, which stands at $1,190 per year.

However, your unique circumstances like your driving record and car can bring your rate higher or lower than the state average. Your rate also will look different because the NAIC considers policies with state minimum coverage and those with higher coverage like comprehensive and collision. The coverage you choose will raise or lower your individual cost.

Hawaii car insurance quick facts

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Minimum liability requirements


Average annual car insurance cost according to the NAIC


No-fault state

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

State minimum car insurance requirements in Hawaii

To legally drive in Hawaii, your car insurance policy should include at least liability and personal injury protection. Hawaii also requires uninsured or underinsured motorist coverage, although it’s an opt-out state. Insurance companies are required to offer the coverage, but you can choose not to take it.

When shopping for car insurance, you may see the amount of coverage required written as 20/40/10. These amounts are called your coverage limits, which are the maximums that your insurance will pay for different kinds of damage.

Let’s break down what’s covered by Hawaii’s state minimum requirements.

Bodily Injury Liability

Bodily injury liability

  • $20,000 for bodily injuries to one person
  • $40,000 for injuries to multiple people

Hawaii requires you to carry 25/40 in bodily injury liability, which pays up to $25,000 for injuries to one person and $40,000 total if you injure more than one person. The coverage applies to other drivers, passengers or pedestrians.

These limits are common across other states, but think about upping your coverage because medical and legal expenses easily go beyond these coverage limits.

Property damage liability

Property damage liability

  • $10,000 in property damage liability

Hawaii also requires $10,000 for property damage, which pays for damage the other driver’s car or personal property like a phone, car seats or cargo. This amount falls at the low end of what other states require, offering a low level of protection for an accident.

Personal injury protection or medical payments

Personal injury protection

  • $10,000 for personal injury protection

Hawaii’s personal injury protection coverage (PIP) pays up to $10,000 for medical bills or recovery if you or your passengers are injured, regardless of who’s at fault. Unlike other states, PIP in this state doesn’t reimburse you automatically for lost wages, household services or pay funeral benefits to loved ones. You can add these benefits to your policy for an extra cost.

Finder tip: Hawaii’s state minimum coverage isn’t enough

Hawaii’s car insurance requirements may fall in line with other states, but that doesn’t mean it fully protects you for all possible car accident damage.

For example, if you total someone else’s car that’s worth $25,000, your state minimum insurance policy would pay up to $10,000. To avoid paying for the rest on your own, think about raising your liability limits and adding optional coverage, based on your budget and driving needs.

Most popular Hawaii auto insurance companies list

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%

Compare Hawaii car insurance

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

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

Is my out-of-state insurance policy acceptable in Hawaii?

No. You’re required to get a Hawaiian insurance policy.

Will my rates go up if I file a claim through my car insurance?

While each car insurance policy varies, it’s possible that your car insurance rates will go up if you file a claim. Some providers offer accident forgiveness programs that ensure your premium stays the same after your first accident. But in many cases, a claim on your policy raises your risk profile — and, in turn, your rates.

Can my insurance company cancel my policy if I file a claim?

It could: Your car insurance has the right to cancel your policy at any time. But most providers reserve cancellation for policyholders who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs. You’ll typically receive notice from your car insurance company before it plans to cancel your policy.

How do I register my car in Hawaii?

The specific process of registering your car will vary based on the county you reside in. However, generally speaking you’ll need to get a safety inspection, pay a registration fee and go in-person to your local DMV and verify your information.

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