Average full-coverage premium in Hawaii: $1,178/year — ranked #44 most expensive state in the US.
Avg Annual Premium
$1,178
Minimum Coverage
$20K/$40K/$10K + PIP
Uninsured Driver Rate
4.8%
| City | Avg Annual Premium | vs State Average |
|---|---|---|
| Honolulu | $1,290/yr | +9.5% |
| Hilo | $1,100/yr | -6.6% |
| Kailua | $1,220/yr | +3.6% |
Source: Rate estimates based on NAIC data and carrier filings, March 2026.
Hawaii requires all drivers to carry minimum liability insurance of 20/40/10 (Bodily Injury per person / Bodily Injury per accident / Property Damage):
Hawaii is a no-fault state requiring all drivers to carry Personal Injury Protection coverage. The island market operates with a limited number of carriers, and the geographic isolation that makes Hawaii unique also creates insurance challenges: vehicles damaged beyond economical repair are more expensive to replace when they must be shipped to the islands, and repair parts take longer to arrive. These logistical factors contribute to higher-than-average claims costs relative to accident severity.
Insurance rates in Hawaii vary significantly by island. Oahu, the most densely populated island and home to Honolulu, carries the highest rates due to traffic congestion and accident frequency. The outer islands generally see lower rates reflecting less traffic, but higher comprehensive risks from volcanic activity on the Big Island, tropical storms, and the salt-air environment that accelerates vehicle deterioration. All Hawaii drivers should carefully evaluate comprehensive and collision deductibles given the elevated cost of repairs and replacement in an isolated market.
Compare quotes from at least 5 insurers — rates can vary by $500–$1,500 for the same coverage
Bundle auto with homeowners or renters insurance for 10–20% savings
Ask about all available discounts: safe driver, good student, military, professional association
Consider a higher deductible ($1,000 vs $500) to lower your premium by 15–20%
Use telematics/usage-based programs if you're a safe, low-mileage driver
Maintain a clean driving record — even one ticket can increase rates 20–40%
Check your credit score — most states allow credit-based insurance scoring
Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.