Hawaii Car Insurance Rates

Average insurance rates in Hawaii for 2019 are $1,010 annually for full coverage insurance. Comprehensive insurance, collision insurance, and liability cost around $224, $410, and $262, respectively. Hilo, Kailua, and Ewa Beach have more expensive auto insurance rates, and the three largest writers in Hawaii are Geico, State Farm, and USAA.

Average rate for full coverage: $1,010

Rate estimates for type of coverage:

Comprehensive $224
Collision $410
Liability $262

40-year-old driver, full coverage with $500 deductibles, and good driving record

Average Price Range for Car Insurance in Hawaii

Using a middle-aged driver as an example, Hawaii insurance prices range from as low as $310 for liability-only coverage to the much higher price of $2,178 for a high-risk driver policy.

Liability Only $310
Full Coverage $1,010
High Risk $2,178

These price ranges illustrate why everyone should get quotes for a specific zip code and risk profile, instead of depending on generic averages.

Use the form below to get accurate rates for your location.

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Hawaii car insurance rate comparison chart
Column chart showing Hawaii car insurance prices range from $580 to $3,714 for full coverage

The chart estimates Hawaii car insurance prices for various risk profiles and scenarios. The cheapest discount price is $580. Drivers who choose higher $1,000 deductibles will pay around $866. The average price for a driver age 40 with no violations using $500 deductibles is $1,010. Selecting more expensive $100 deductibles for physical damage coverage could cause an increase to $1,292. High risk drivers could be charged at least $2,178. The rate for full coverage for a 16-year-old driver can get as high as $3,714.

Insurance prices in Hawaii are also quite variable based on your driving record, your choice of vehicle, and deductibles and policy limits.

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,200 to $1,600 additional each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 133% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,000 annually on average for full coverage. Rates are highest for teenage drivers, where even good drivers should be prepared to pay as much as $3,700 a year. View Rates by Age

The area you live in plays a big part in determining prices for auto insurance prices. Areas with less traffic congestion could see prices as low as $800 a year, while Hilo and Kailua could have rates closer to $1,200. Geographically different areas within the same city can have a wide range of rates.

These geographic rate differences highlight why it is so important to get rates for your specific Hawaii zip code.

View Chart as Image

Hawaii insurance rates by city

Choosing high deductibles can save as much as $430 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $236 more each year. View Rates by Deductible or Liability Limit

The type of vehicle you drive has a significant impact on the price of car insurance in Hawaii. Buying a more affordable and safe vehicle will cost less to insure primarily due to cheaper repair costs and less likelihood of injuries in accidents. The table below shows car insurance premium estimates for the best selling vehicles insured in Hawaii.

Hawaii Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,0645.1%
Dodge Ram$1,0947.7%
Ford Escape$842-20%
Ford Focus$978-3.3%
Ford Fusion$1,0705.6%
Ford F-150$950-6.3%
GMC Acadia$932-8.4%
GMC Sierra$1,0483.6%
Honda Accord$944-7%
Honda Civic$1,1048.5%
Honda CR-V$820-23.2%
Honda Pilot$960-5.2%
Hyundai Sonata$1,0241.4%
Kia Optima$1,0423.1%
Nissan Altima$1,0382.7%
Nissan Rogue$1,0140.4%
Toyota Camry$1,0301.9%
Toyota Corolla$1,008-0.2%
Toyota Prius$938-7.7%
Toyota RAV4$954-5.9%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles

The company you buy your policy from obviously affects the cost of coverage. Each company has a slightly different rate calculation, and prices have large differences based on indivdual risk characteristics.

In Hawaii, auto insurance prices range from $945 with USAA to as high as $2,421 with AIG. Other companies like State Farm, GEICO, and Liberty Mutual generally fall somewhere towards the middle. Those most likely are not the rates you would pay, as your driving history, the vehicle type, and where you live in Hawaii have to be factored in.

Hawaii Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1Geico24.73%$1,362
2State Farm18.32%$1,098
3USAA12.53%$945
4Allstate8.60%$1,945
5Farmers Insurance7.59%N/A
6Progressive7.10%$1,592
7Tokio Marine5.90%N/A
8Liberty Mutual4.37%$1,435
9Island Insurance2.93%N/A
10DTRIC Insurance2.91%N/A
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Since rates can be so different, the only way to figure out your exact price is to regularly compare rates from multiple companies. Each auto insurer uses a different rate calculation, and rates may be quite different from one company to the next.

Hawaii Auto Insurance Articles

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Rates by Driver Age

Hawaii Insurance Rates by Driver Age
Driver AgePremium
16$3,714
20$2,330
30$1,058
40$1,010
50$922
60$904

Full coverage, $500 deductibles

Rates by Deductible

Hawaii Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,292
$250$1,160
$500$1,010
$1,000$866

Full coverage, driver age 40

Rates by Liability Limit

Hawaii Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,010
50/100$1,062
100/300$1,128
250/500$1,298
100 CSL$1,089
300 CSL$1,233
500 CSL$1,338

Full coverage, driver age 40

Rates for High Risk Drivers

Hawaii Car Insurance Rates for High Risk Drivers
AgePremium
16$5,304
20$3,704
30$2,234
40$2,178
50$2,080
60$2,060

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $140

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$54
Multi-vehicle$52
Homeowner$14
5-yr Accident Free$76
5-yr Claim Free$65
Paid in Full/EFT$47
Advance Quote$50
Online Quote$72
Total Discounts$430
Rate after discounts $580

Discounts are estimated and may not be available from every company or in every state.

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