Hawaii Car Insurance Rates
Average insurance rates in Hawaii for 2018 are $1,442 annually for full coverage insurance. Comprehensive insurance, collision insurance, and liability cost around $320, $586, and $372, 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: $1,442
Rate estimates for type of coverage:
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 $442 for liability-only coverage to the much higher price of $3,112 for a high-risk driver policy.
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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Recommended Companies for Cheap Hawaii Insurance
The chart estimates Hawaii car insurance prices for various risk profiles and scenarios. The cheapest discount price is $828. Drivers who choose higher $1,000 deductibles will pay around $1,236. The average price for a driver age 40 with no violations using $500 deductibles is $1,442. Selecting more expensive $100 deductibles for physical damage coverage could cause an increase to $1,842. High risk drivers could be charged at least $3,112. The rate for full coverage for a 16-year-old driver can get as high as $5,302.
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 $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 132% 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 $1,300 annually on average for full coverage. Rates are highest for teenage drivers, where even good drivers should be prepared to pay as much as $5,300 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 $1,100 a year, while Hilo and Kailua could have rates closer to $1,700. 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.
Choosing high deductibles can save as much as $610 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 $335 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.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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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.
|Rank||Company||Market Share||Average Rate|
|Get Your Rates Quote Now|
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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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$108|
|5-yr Claim Free||$93|
|Paid in Full/EFT||$68|
Discounts are estimated and may not be available from every company or in every state.