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Car Insurance in Hawaii: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Hawaii is one of the cheapest states for car insurance, with full coverage averaging about $1,675 a year — roughly 38% below the national average. Hawaii is a no-fault state, and it bans using credit score, age, or gender as primary rating factors. Here's the coverage you must carry, what residents pay, and how to find a better rate.
Avg. full coverage
$1,675/yr
≈38% below U.S. avg.
Avg. minimum coverage
$413/yr
≈51% below U.S. avg.
State minimum
20/40/10
+ $10k PIP required
Fault system
No-fault
PIP pays your injuries first
vs. U.S. average
−38%
Among cheapest states
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Minimum coverage required in Hawaii
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $20k / $40k | Per person / per accident |
| Property damage liability | $10k | Required |
| Personal injury protection | $10,000 | Required — Hawaii is a no-fault state |
| Uninsured motorist | Optional | Offered; can be declined |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Hawaii premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,675/yr | 38% below U.S. | Comp + collision included |
| Minimum coverage | $413/yr | 51% below U.S. | Lowest tier in the U.S. |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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Hawaii estimated rates by driver profile (2026)
Estimates anchor each profile to Hawaii's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$1,675/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$2,395/yr | +43% | 1,675 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$2,077/yr | +24% | 1,675 × 1.24 (Bankrate avg) |
| DUI on record | ~$3,149/yr | +88% | 1,675 × 1.88 (Bankrate avg) |
| Young driver (18–24) | Limited factor | — | HI restricts age as a rating factor |
| Poor credit score | Not a factor | — | HI prohibits credit-based pricing |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Hawaii: what helps and what hurts your rate
In your favor
- ✓Among the lowest premiums in the country (~$1,675/yr full coverage)
- ✓Credit score cannot be used as a rating factor
- ✓Age, gender, and driving experience are restricted as rating factors
- ✓No-fault PIP covers your medical costs quickly after a crash
Works against you
- ✗Low 20/40/10 liability minimum leaves at-fault gaps
- ✗Island geography means higher vehicle, parts, and shipping costs
- ✗Limited number of carriers compared with mainland states
- ✗Severe-weather and volcanic risk can affect comprehensive claims
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A closer look at car insurance in Hawaii
Hawaii's rating rules make it one of the fairest states for drivers who would be penalized elsewhere — young drivers, those with thin credit — because age and credit can't drive the premium. The trade-off is a low liability minimum and higher underlying vehicle costs from island logistics. Driving record still matters, so a clean record keeps you near the state's low baseline. Even with fewer carriers, comparing the available options is worthwhile.
Bottom line
Hawaii is one of the most affordable and consumer-friendly states for car insurance, thanks to no-fault PIP and bans on credit- and age-based pricing. Comparing the available carriers and keeping a clean record is the best way to stay near its low baseline.
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Frequently asked questions about Hawaii car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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