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Car Insurance in Hawaii (Updated May 2024)

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Hawaii Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Hawaii however, drivers are paying 45% less for car insurance than the national average, with Full Coverage costing Hawaii drivers an average of $103 per month

Despite having lowest insurance rates in the country, the rates in Hawaii can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Hawaii. Read on to learn more about properly insuring your car in Hawaii. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Hawaii Car Insurance Laws

All vehicle owners and operators in Hawaii must have insurance coverage before operating a vehicle. Drivers must keep a valid Hawaii motor vehicle insurance card within the vehicle and present it to a police officer if requested. 

In addition to liability coverage, Hawaii car insurance requirements stipulate that drivers have personal injury protection insurance that pays for you and your passenger’s injuries in the event of a collision.

Hawaii’s car insurance minimums are:

  • $20,000 for the death or injury of one person
  • $40,000 for the death or injury of two or more people
  • $10,000 for property damage
  • $10,000 personal injury protection per person

Hawaii’s liability coverage requirements are slightly less than those of other states.

Proof of Insurance

first-time violators automatically lose their driver's license for three months. ” 


If you are caught driving without insurance in Hawaii, you may incur a $500 fine for the first violation and a minimum fine of $1,500 for subsequent offenses. In addition, first-time violators automatically lose their driver’s license for three months. To reinstate your driving privileges, purchase a nonrefundable insurance policy for six months and pay restoration fees. 

Like most states, Hawaii doesn’t provide a new car insurance grace period. If you purchase a new vehicle, obtain appropriate insurance coverage before driving it on Hawaii roads.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in Hawaii?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Hawaii?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Hawaii?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.