Average Car Insurance Cost in Hawaii (2025)
Drivers in Hawaii pay an average of $97 per month for car insurance.
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Drivers in Hawaii pay monthly averages of $58 for liability-only coverage and $136 for full coverage. Hawaii’s auto insurance rates are typically lower than the national average.
Like in most of the country, car insurance rates in Hawaii have risen recently. But Hawaii is still one of the least expensive states for car insurance, partly due to its relatively low minimum coverage requirements. Learn more about car insurance costs in Hawaii, how different factors affect your rates, and how to save money on your policy.
How much is car insurance in Hawaii?
Hawaii drivers pay an average of $97 per month for car insurance, which comes out to $1,165 per year. On average, Hawaii residents pay $58 per month — $699 annually — for liability coverage. For full-coverage insurance, drivers pay $136 monthly, which adds up to $1,631 per year.
Full-coverage car insurance is more expensive than liability-only coverage because it includes both collision and comprehensive coverage. But your exact rate will vary based on factors like age, gender, and driving habits.
How Hawaii car insurance rates have changed over the past two years
The average yearly price for full-coverage car insurance in Hawaii rose to about $1,500 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, even more than in Hawaii.
See how Hawaii car insurance prices have changed over the past two years below.
Average Hawaii car insurance rates by age and gender
Your age and gender have a significant effect on your car insurance rates. While Hawaii insurers can’t deny you a policy based on these factors, they can use them when determining your premiums.1 Younger drivers and male drivers typically pay higher rates, as they tend to file more claims.
Take a look at the table below to see how rates vary in Hawaii based on age and gender, according to Insurify data.
Average cost to insure popular vehicles in Hawaii
The Toyota Tacoma was the most popular vehicle in Hawaii in 2024, followed by the Toyota 4Runner, according to data from Edmunds.2 The Tesla Model Y, Toyota RAV4, and Toyota Corolla round out the top five.
The Tacoma, 4Runner, and RAV4 are all reliable cars known for their offroading abilities and storage capacity. These types of vehicles come in handy for many recreational activities in Hawaii, which might explain their popularity. Toyota is also one of the most popular and reliable brands in the world and is very popular across the country.
The table below shows the average rates for Hawaii’s most popular cars, according to Insurify data.
How your driving record affects car insurance rates in Hawaii
Your driving record has one of the most significant effects on your car insurance rates. It tells insurers what kind of driver you are and how they should assess your risk level. If you have infractions on your record, you’ll pay higher rates than someone with a clean driving history.
How much more you pay depends on the type of infraction. For example, a DUI can increase your rates significantly, but you’ll see a smaller increase if you get a speeding ticket. Look at the table below to see how your driving record affects your full-coverage car insurance rates in Hawaii, according to Insurify data.
How to lower your insurance costs in Hawaii
Hawaii has some of the cheapest car insurance rates in the country, but you can take steps to save even more money. Here are a few ways to reduce your insurance costs: