Hawaii Car Insurance Rates (2026) + Free Calculator
Compare Hawaii car insurance rates side by side — based on your real profile. No phone number. No email. No agent calling you ten minutes later.
✓ 10+ Hawaii carriers compared
✓ Multi-driver and multi-vehicle
✓ No personal info needed
✓ 2026 Hawaii rate estimates
$130
Avg/mo Full Coverage
$45
Avg/mo State Min
20/40/10
Min Required
No-Fault
State Type
Cheapest Carrier
GEICO / State Farm
Most Expensive
Allstate
Uninsured Drivers
~8% of HI drivers
Credit Scoring
Banned in Hawaii
DUI Rate Impact
+70–100%
Regional Carriers
Mostly national insurers
Free Tool
Get Your Hawaii Rate Estimate
Enter your real details for the most accurate estimate. Takes about 60 seconds. Hawaii bans credit scoring — rates here are based on driving record, location, and vehicle.
1
Choose Coverage Level
Standard: Higher liability limits plus PIP. Recommended for most Hawaii drivers, especially in Honolulu where accidents are more frequent.
2
Driver Details
3
Vehicle Details
4
Policy Options
Hawaii note: Credit scoring is banned by state law. Your credit history has no impact on your Hawaii car insurance rate.
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Discounts
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Good Student
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Military / Veteran
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Telematics App
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Paperless Billing
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Low Mileage
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Anti-Theft Device
Your Estimated Range
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Annual Estimate
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6-Month Policy
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Estimates are based on Hawaii state averages and publicly available rate data. Actual quotes will vary based on your exact island, ZIP code, vehicle, and personal profile. Always compare real quotes from licensed carriers before purchasing.
Hawaii Quick Facts
Full Coverage Avg
$130/month
Min Coverage Avg
$45/month
State Minimum
20/40/10 + $10k PIP
Fault System
No-Fault (PIP required)
Credit Scoring
Not allowed in Hawaii
Uninsured Rate
~8% (low)
DUI Impact
+70–100% for 5+ yrs
Hawaii Driver Tips
🚫Hawaii bans credit scoring — so your credit history has zero impact on your rate here.
🏙️Honolulu has the highest rates due to traffic congestion and accident frequency. Other islands are cheaper.
🏥PIP is required as Hawaii is a no-fault state. Your PIP pays your own medical bills regardless of who caused the accident.
HI Coverage Explainer
State Min 20/40/10 + PIP — Liability plus $10k personal injury protection. Does not cover your vehicle for accidents, theft, or weather damage.
Standard — Higher liability limits. Better protection if you cause a serious accident on the islands.
Full Coverage — Adds collision and comprehensive. Covers weather events, vehicle theft, and collision damage regardless of fault. Required by lenders.
Why Rates Vary
What Affects Your Hawaii Car Insurance Rate?
Hawaii is one of the more affordable states for car insurance, but rates still vary by island, driving record, and vehicle type.
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Island and City Location
Honolulu is the most expensive area due to traffic density and accident frequency on Oahu's highways. Hilo, Kauai, and Maui tend to be cheaper. Your specific island matters more than your credit score in Hawaii.
Highest Impact
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Driving Record
Because Hawaii bans credit scoring, your driving record carries even more weight than in most states. A DUI in Hawaii can raise your premium by 70–100% and affects your rates for 5 or more years. Even a single speeding ticket raises rates noticeably.
Highest Impact
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Vehicle Type
Sports cars and luxury vehicles cost significantly more to insure in Hawaii. Older vehicles with no loan attached can drop full coverage entirely and save substantially on monthly premiums.
Medium Impact
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Mileage and Usage
Hawaii's islands are geographically small, which means many residents drive fewer miles than mainland drivers. Low-mileage discounts are especially effective in Hawaii and can meaningfully reduce premiums.
Medium Impact
📋
Coverage Level
The gap between minimum coverage ($45/mo average) and full coverage ($130/mo average) is significant. State minimum covers only liability and basic PIP — it does not protect your own vehicle for accidents or weather damage.
Medium Impact
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No Credit Scoring
Unlike most U.S. states, Hawaii is banned from using credit history in insurance pricing. This is a major advantage for Hawaii drivers with fair or poor credit — your rate is the same as a driver with excellent credit if all else is equal.
Favorable for Drivers
By City
Average Car Insurance Rates by Hawaii City
Honolulu is the most expensive. Other islands and cities are more affordable.
Honolulu
$145
avg/mo full coverage
Kailua
$135
avg/mo full coverage
Pearl City
$132
avg/mo full coverage
Hilo
$120
avg/mo full coverage
Kailua-Kona
$118
avg/mo full coverage
Maui
$125
avg/mo full coverage
Kauai
$115
avg/mo full coverage
Waipahu
$138
avg/mo full coverage
Save Money
How to Get Cheaper Car Insurance in Hawaii
1
Compare multiple carriers. Even in a smaller market like Hawaii, rates between GEICO, State Farm, Progressive, and Allstate can vary by $30–60 per month for the same driver profile. Always get at least 3 quotes before choosing.
2
Increase your deductible. Moving from $500 to $1,000 typically reduces full coverage premiums by 10–15%. Since Hawaii has a relatively low accident rate compared to many mainland states, a higher deductible is a reasonable bet for safe drivers.
3
Maintain a clean driving record. Since credit scoring is banned in Hawaii, your driving record carries more weight than in most states. A clean record is your single most powerful rate-reduction tool in Hawaii. Even a single ticket can raise rates 20–30%.
4
Bundle policies if available. If you have renters or homeowners insurance, bundling with your auto policy typically saves 5–15%. State Farm and Allstate both offer meaningful multi-policy discounts in Hawaii.
5
Take a low-mileage discount. Hawaii's islands are geographically compact and many residents drive fewer miles than mainland drivers. Ask every carrier specifically about low-mileage pricing — it can be more impactful in Hawaii than elsewhere.
FAQ
Hawaii Car Insurance Questions Answered
The average Hawaii driver pays about $130 per month for full coverage car insurance in 2026. State minimum coverage averages around $45 per month. Honolulu is the most expensive city at around $145 per month for full coverage. Hilo, Kauai, and Kailua-Kona on the Big Island tend to be more affordable at $115–$120 per month. Hawaii is generally one of the more affordable states for car insurance.
Yes, Hawaii is a no-fault state. All drivers must carry Personal Injury Protection (PIP) coverage, which pays for your own medical bills after an accident regardless of who caused it. Hawaii requires $10,000 in PIP coverage in addition to the 20/40/10 liability minimums. The no-fault system means minor accident injuries are handled through your own insurance rather than through lawsuits, which helps keep overall rates lower than in many states.
Hawaii requires 20/40/10 liability coverage plus $10,000 in Personal Injury Protection (PIP). The liability minimums break down as $20,000 bodily injury per person, $40,000 per accident, and $10,000 property damage. PIP is mandatory because Hawaii is a no-fault state. Driving without insurance in Hawaii can result in fines, license suspension, and vehicle registration suspension.
No — Hawaii is one of only a handful of states that bans the use of credit scores in auto insurance pricing. Your credit history has zero impact on your car insurance rate in Hawaii. Rates are based on driving record, location, vehicle type, age, and coverage level. This is a significant advantage for Hawaii drivers with fair or poor credit compared to the same driver living in most other states.
GEICO and State Farm consistently offer the most competitive car insurance rates in Hawaii. GEICO is frequently the cheapest for drivers with clean records. Progressive is competitive for high-risk drivers or those with recent incidents. Allstate tends to be the most expensive among major carriers in Hawaii but offers broad coverage options. There are few Hawaii-specific regional carriers — most major national insurers operate across all islands.
A DUI conviction in Hawaii typically raises car insurance rates by 70–100% and can affect your premiums for five or more years. Because Hawaii bans credit scoring, driving record violations carry even more weight in rate calculations than in most states. After a DUI, Progressive tends to be one of the more competitive carriers in Hawaii for high-risk drivers. Maintaining continuous coverage without gaps is essential to avoid additional rate increases.