Average Cost of Car Insurance in Hawaii in 2025

By Coverage Level

The average cost of full coverage auto insurance in Hawaii is $1,431 annually ($119 monthly), while the average cost of minimum coverage is $456 annually ($38 monthly).

By City

Auto insurance costs are relatively stable across Hawaii’s major cities, which is atypical in most states—perhaps because Hawaii’s population of 1.45 million makes it one of the least populous states in the nation.¹ Its capital city, Honolulu, is home to 370,000 people with an average auto insurance premium of $1,578 for full coverage.

However, like in most states, auto insurance rates in Hawaii’s major cities are slightly higher than the statewide national average, due to factors like higher population density and greater likelihood of accidents.

By Age

Good news for drivers in Hawaii: the state has some of the strictest anti-discrimination laws in the country when it comes to determining auto insurance rates. Insurers cannot base any part of a person’s premium on race, creed, ethnicity, age, sex, length of driving experience, credit bureau rating, marital status, or disability.² You’ll find similar rates regardless of driver age in the table below—great news for teen and inexperienced drivers, who tend to pay much more in states where auto insurers are allowed to take age and driving experience into account when determining rates.

Note that rates are averaged across coverage levels, so drivers can expect to pay more or less depending on how much coverage they buy.

By Violation

A speeding ticket, accident, or DUI will increase your auto insurance premium if you live in Hawaii. The most impactful is a DUI, which could increase your premium by more than 400 percent.

Unlike other states, Hawaii does separate driving while intoxicated into categories of severity. The Administrative Driver’s License Revocation Office will rescind your license and you will receive a 30-day temporary driving permit if you drive with a blood alcohol content of 0.08 or more, or if you refuse the test.³ Refusal to take the test may also result in revocation of your license for one, two, or four years, depending on prior offenses.⁴

Hawaii does not have an increased penalty for a higher blood alcohol content. Ignition interlocks are mandatory for all DUI convictions in the state.⁵

If you’re looking for the cheapest car insurance in Hawaii, we recommend getting a quote from GEICO. USAA has affordable auto insurance rates if you or a parent or spouse serves or served in the military.

Drivers in Hawaii who are looking to save money on their auto insurance premiums should keep these tips in mind:

1. Compare prices during each renewal period. Confirm with your auto insurance provider that your rate is as low as possible, especially if your circumstances have changed. It doesn’t hurt to get comparison quotes from other insurers—even if you’re relatively happy with your current plan—to get the best deal.
2. Ask for discounts. Likewise, ask your auto insurance company and any other providers from which you request a quote if there are additional discounts you can apply to your premium. Insuring multiple vehicles or holding two insurance policies with one provider typically nets the biggest savings, but so can being a good student and having safe driving habits.
3. Adjust your policy. Consider adjusting your deductible or coverage level to reduce your auto insurance premium. Raising your deductible requires you to pay more out of pocket in the event of a claim, but it reduces your monthly premium. Likewise, reducing optional coverages that you don’t need anymore will lower your premium.

At a minimum, your car insurance policy in Hawaii must include:⁶

• Bodily injury liability: $20,000 per person/$40,000 per accident
• Property damage liability: $10,000 per accident
• Personal injury protection (PIP): $10,000 per person, to pay for medical and rehabilitative costs

Hawaii operates under a no-fault system for auto insurance, which requires drivers to carry Personal Injury Protection (PIP) coverage. This means that in the event of an accident, your insurance will cover medical expenses and related costs for you and your passengers, regardless of who caused the accident, up to the limits of your PIP policy.

One key feature of Hawaii’s no-fault law is that it restricts lawsuits. You cannot sue or be sued for damages related to injuries unless the injuries meet a certain threshold, such as being considered serious or exceeding a specific monetary amount in medical costs. This system is designed to reduce the need for litigation and ensure quicker compensation for injuries.

However, it’s important to note that no-fault laws do not affect claims for vehicle damage or other property losses. These claims are still resolved based on who is at fault for the accident.

An SR-22 is a certificate of financial responsibility that confirms an individual has the minimum auto insurance required by law. Hawaii may require an SR-22 for several reasons, including:

1. An uninsured driver does not pay for damages after an accident.
2. A driver with a suspended license gets caught driving under the influence.
3. Other mandatory insurance supervision.

There are three types of SR-22 certificates in Hawaii:

• An operator’s certificate, which is designed for individuals who do not own a vehicle but still need to fulfill financial responsibility requirements (e.g., those who rent or borrow vehicles).
• An owner’s certificate, which is specifically tied to a vehicle owned by the individual, ensuring that the vehicle is insured and the owner’s financial responsibility is covered.
• A combination operator-owner certificate, which covers the individual both as a driver of their own vehicle and any other vehicles they may drive that are uninsured.

Hawaii may require you to keep an SR-22 filing for up to three years. You must contact an insurance agency authorized in SR-22 insurance to file the form on your behalf. The company will charge a processing fee to send the SR-22 to the Secretary of State in Hawaii, after which you will receive a letter along with the Hawaii SR-22 car insurance form to be kept with you at all times while driving.

Car insurance in Hawaii is less expensive than the national average, at $456 annually for minimum coverage and $1,431 for full coverage. You’ll see the biggest rate differences based on your driving record and how much coverage you want, since Hawaii has strict anti-discrimination laws regarding age, gender, credit history, and driving experience. A DUI will have the most severe impact on your auto insurance premium, and SR-22 coverage will typically net you a higher premium than standard auto insurance. Get quotes from at least three different providers and ask about available discounts if you want to save money on your premium.

Drivers in Hawaii can rely on AutoInsurance.com’s decades of expertise in assessing auto insurance premiums and policies. With over 20 years of transactional data and industry experience, we provide personalized recommendations for suitable auto insurance options for all drivers. To calculate the average cost of auto insurance in Hawaii, we analyzed the state’s minimum coverage requirements, no-fault insurance system, anti-discrimination laws, and other relevant regulations.