How Much Does Car Insurance Cost on Average in Hawaii?
- State Minimum Liability in Hawaii costs $53 a month or $630 a year. Full coverage costs around $170 a month or $2,044 a year on average.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Hawaii – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in Hawaii
- In Hawaii the cheapest auto insurance providers on average are State Farm, USAA and 21st Century.State minimum liability car insurance starts at $31 a month or $370 a year. Full coverage car insurance starts at $110 a month or $1,316 a year with State Farm.
Here is a breakdown of average costs from the cheapest local insurance providers in Hawaii from our data set of used-car drivers who are single, middle aged and have a clean driving record.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $370 | $31 | $1,316 | $110 |
| USAA | $372 | $31 | $1,637 | $136 |
| 21st Century | $557 | $46 | $1,838 | $153 |
| GEICO | $756 | $63 | $2,804 | $234 |
| Allstate | $1,041 | $87 | $2,747 | $229 |
Hawaii Car Insurance Costs by City
Hawaii Car Insurance Cost Guides by City:
Hawaii Car Insurance Coverage Requirements
Hawaii is a no-fault state. This means that in addition to liability insurance, you also have to carry personal injury coverage. The minimum coverage you have to carry is 20/40/10/10, which comes out to:
- 20,000 per individual involved in an accident.
- 40,000 total for all individuals involved in an accident.
- 10,000 property damage due to an accident.
- 10,000 per person for medical and related costs.
You also have to be able to prove you have insurance at all times. Keep your insurance card on you or in your car; you face a fine if you do not have it. If you don’t have insurance, you have to turn in your registration and license plates to the county.
Every driver in Hawaii must have auto insurance coverage, and your rates depend on a number of factors including your age, your car, and how often you drive. If you are considered a low-risk driver, your rate will typically be lower than an individual considered high-risk.
Risk depends on age and experience. Young drivers pay more than experienced drivers do, as do drivers with high performance cars. You also pay more if you drive more, as it increases your exposure to accidents. However, if you are a safe driver, your rates drop. Although the state requires you to have auto insurance, there are many reasons to maintain regular coverage. Here is all the information you need to find the best car insurance Hawaii has to offer.
When you get a quote, the insurer is required to offer you both uninsured and underinsured motorist protection. You don’t have to take it, but the insurer must at least offer it. Insurance companies also offer collision and comprehensive, as well as death and funeral benefits.
Average Cost for Car Insurance in Hawaii by County
In order to get the best price on car insurance, you’ll want to know on average how much it should cost. We broke down the average costs of car insurance per year for a driver in Hawaii below:
| Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Hawaii | $808 | $580 | $823 | $748 | $757 |
| Honolulu | $780 | $580 | $800 | $738 | $736 |
| Kauai | $714 | $509 | $724 | $660 | $667 |
| Maui | $825 | $595 | $845 | $762 | $772 |
Moving to Hawaii: Important Information
An important thing you need to know before moving to Hawaii is that the city and county governments, not the state, issue driver’s licenses. For example, if you live in Honolulu, that’s where you get your license. You can’t go to a small town and hope for a shorter line at the licensing office.
To get a Hawaii driver’s license in Honolulu, you need to present not only your valid out-of-state license and Social Security card, but also your proof of legal residence. You also need to pass both an eye test and a written test.
Understanding Driving Laws in Hawaii
Hawaii has some of the strictest DUI laws in the nation. If you are under 21, the BAC limit is zero, and the first offense comes with a six-month suspension. For adults, the limit is 0.08, but you can face jail time for even the first infraction.
Everyone must wear a seatbelt in Hawaii, whether in the front or back seat of the vehicle. You must also have car seats for children four and under, and either boosters or car seats between ages four and seven.
No one can text while driving in Hawaii, but you can make calls if you have a hands-free device. Teen drivers cannot use a phone while driving for any reason.
Hawaii takes legal residence very seriously. If your driver’s license expires, or you get a new class of license, you have to show proof of legal presence.
