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To find cheap car insurance in Hawaii, you need to know what coverage you want and get quotes from several car insurance companies.

We’ve assessed rates from five major insurers in Hawaii for several types of drivers to help you get started.

Related: The best car insurance companies

The cheapest car insurance in Hawaii

Cheap car insurance in Hawaii for good drivers

Hawaii has cheaper car insurance rates than many other states, $1,157 on average, but you can potentially pay even less by comparing quotes from multiple companies.

A Forbes Advisor analysis of major insurance companies found that the cheapest insurance company for good drivers in Hawaii charges less than $800 on average. Geico is a good place to get quotes when shopping for car insurance in Hawaii. USAA is another way to get great rates for veterans, military members, or their families.

Related: Cheap car insurance

Cheap car insurance in Hawaii for drivers with a speeding ticket

A speeding ticket increases car insurance rates by 9% in Hawaii, or about $100 more per year. However, insurance companies each use their own method of assessing risk, so one may significantly increase your rate, while another may not, so it pays to shop around.

Geico offers the cheapest car insurance for Hawaiian drivers with a speeding ticket.

Cheap car insurance in Hawaii for drivers who have caused an injury accident

Causing an accident that results in injury raises rates by more than $400, on average, in Hawaii. Geico and USAA offer the best rates for drivers in this situation, among the companies in our analysis. But remember, USAA auto insurance is only available to military personnel, veterans, and their families.

Cheap car insurance in Hawaii for drivers with a DUI

An impaired driving conviction increases average car insurance rates in Hawaii by 140%. The average State Farm rate increase after a DUI in Hawaii is 10%. Meanwhile, USAA more than doubles rates after a DUI, on average, but it’s still the second cheapest insurer we found in the state, among the companies analyzed, after a DUI.

Minimum car insurance required in Hawaii

Car owners in Hawaii must have auto liability insurance to legally drive a vehicle. If you cause an accident, liability insurance pays other people for damages and injuries, and it will cover your legal defense if you are sued.

Car owners in Hawaii must carry liability insurance with at least:

  • $20,000 for bodily injury to a person
  • $40,000 for bodily injury to multiple people in an accident
  • $10,000 for property damage in an accident

Hawaii’s minimum liability insurance requirements won’t get you very far. Once your liability insurance pays the maximum amount, you can still be sued by others for their car accident bills. Think about it: If you cause an accident and there are multiple injuries, you can quickly top $40,000 in medical bills. If you have assets like a home and savings, it makes sense to protect your wealth with higher amounts of liability insurance.

Personal Injury Protection: In Hawaii, you must also purchase at least $10,000 per person in Personal Injury Protection (PIP) benefits. This coverage covers medical expenses for you and your passengers, regardless of who caused the accident.

What else should I have?

Uninsured Motorist Coverage: Hawaii does not require you to purchase uninsured motorist coverage, but your auto insurance company must provide it. If you do not wish it, you can refuse it in writing. Generally, Uninsured Motorist (UM) is good coverage to have. If someone hits you and they don’t have car insurance, you can make a claim on your UM coverage to pay for medical expenses.

Underinsured Motorist Coverage: Here is another good cover to have. What happens when someone has liability insurance, but it’s not enough to cover your medical expenses? The Underinsured Motorist (UIM) kicks in to cover your medical expenses when the at-fault driver’s liability insurance runs out.

If you buy UM or UIM in Hawaii, the coverage limits you must have are:

  • $20,000 for UM bodily injury to one person, $40,000 per accident
  • $10,000 for UM property damage per accident
  • $20,000 for UIM bodily injury to one person, $40,000 per accident

Collision insurance: This type of insurance pays for repairs to your car in the event of a car accident. For example, if you back up against a pole, crash into a tree, or crash into a building. You can also use it if someone else hits your car, rather than making a claim against their liability insurance.

Back to back insurance : This type of insurance pays for auto repairs for a variety of issues, such as floods, fires, hail, vandalism, riots, falling objects, and collisions with animals (like deer). It also covers car theft.

Although collision and all-risk coverage are not required, if you have an auto loan or lease, your lender or leasing company most likely requires both coverage.

Summary: Auto Insurance Required in Hawaii

Cheapest Vehicles for Insurance in Hawaii

With the right vehicle, you can potentially save money on car insurance. In Hawaii, the Honda CR-V LX, Jeep Wrangler Sport JL and Ford Escape S are among the cheapest vehicles for insurance, based on average rates for the top 50 selling 2021 models. The 20 cheapest are below.

The most expensive insurance cars in Hawaii among the popular models are the Tesla Model 3 Standard Plus ($1,748 per year) and the Tesla Model S Performance/Plaid ($2,211 per year).

Related: The most and least expensive cars to insure nationwide

Can I show my insurance ID card from my phone?

Hawaii lets you use your phone to show a car insurance ID card. Check with your auto insurance company to see if they offer a mobile app that includes access to electronic ID cards.

Average auto insurance premiums in Hawaii

Hawaii drivers pay an average of $782 per year for car insurance. Here is an overview of average premiums for common types of cover.

Factors Allowed in Hawaii Auto Insurance Rates

Auto insurance companies typically look at your driving record, past claims, vehicle model and more when setting rates. In Hawaii, companies can also use these factors.

How many uninsured drivers are there in Hawaii?

About 9% of Hawaii drivers do not have car insurance, according to the Insurance Research Council. If they hit you, you can try to chase them. Or you can use your uninsured motorist coverage for injury and damage to the car, or your collision coverage for damage to the vehicle.

Penalties for driving without car insurance

If you are caught driving without insurance in Hawaii, you could be fined $500 for the first offense and $1,500 for each subsequent offense. Your driver’s license could be suspended for three months for the first conviction and one year for each subsequent offense within a period of five years from the previous offense.

When can a vehicle be totaled?

Car insurance companies in Hawaii can determine if the cost to repair a badly damaged vehicle exceeds the value of the car. If so, the car can be totaled.

Troubleshoot insurance issues

If you have an unresolved dispute with an auto insurance company, you can file a complaint with the Hawaii Insurance Division.


To find the cheapest auto insurance companies in Hawaii, we used rates from Quadrant Information Services, an insurance data and analytics provider. Rates are based on a female driver with a clean record insuring a Toyota RAV4 with $100,000 per person liability coverage, $300,000 per accident and $100,000 property damage liability coverage, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and all perils with a deductible of $500.

The companies assessed for Hawaii were 21st Century, Allstate, Geico, State Farm and USAA. Rates are from October 2021.

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