Car Insurance in Hawaii

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Despite having some of the worst roads, highest car theft rates, and lowest access to car repairs in the country, Hawaii has some of the lowest car insurance rates in the United States. Even still, Hawaii drivers can look to save more by shopping with Jerry.
As a series of islands, Hawaii has lower driving lane mileage than most other states. Because of the lack of options, Hawaii’s roads can be quite crowded during peak driving times. That said, the small population and temperate weather help keep Hawaii’s car insurance rates lower than the national average.
Location is just one aspect of your profile car insurance companies consider when setting your car insurance rates. However, unlike other states, Hawaii doesn’t allow companies to use a driver’s age, gender, or credit score to set insurance rates. They can consider things like mileage and driving history, however.
Car insurance can be overwhelming, butJerry makes shopping for quotes easy. Jerry is a car super app that will help you find the cheapest car insurance prices. Sign-up takes less than a minute, and Jerry will show you quotes from over 50 top insurance providers. Most Jerry users save $879 per year on car insurance.
Still not convinced? Here are some real quotes and savings from Jerry users in Hawaii:
Quote DateCarCityNameAgeCarrier
Before Jerry
After Jerry
March 14, 2022Ford Fiesta SEHonoluluDarrell M.30Progressive$120/mo.$66/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does car insurance cost in Hawaii?

The average cost of liability-only car insurance in Hawaii is $2,389 per year. If you prefer to buy full coverage car insurance in Hawaii, you can expect to pay an average cost of -- per year.

How does the cost of car insurance in Hawaii compare to the rest of the country?

Compared to nationwide averages, it costs $1,626 per year for liability-only car insurance and $2,298 per year for full-coverage car insurance.
What contributes to Hawaii car insurance rates? Here are some of the considerations:
  • Congested roadways: Hawaii’s island roads can get very crowded during rush hour
  • Auto theft: Hawaii has some of the highest rates for car theft in the country
  • Fewer miles driven: Many Hawaii residents don’t drive as much as people in the contiguous states
Here’s how Hawaii insurance premiums compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
HI$1,440$1,037----
National Average$2,436$1,660$2,296$1,376$2,654$1,962
HINational Average
All Coverage Before Jerry
$1,440$2,436
All Coverage After Jerry
$1,037$1,660
Minimum Coverage Before Jerry
-$2,296
Minimum Coverage After Jerry
-$1,376
Full Coverage Before Jerry
-$2,654
Full Coverage After Jerry
-$1,962
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Top auto insurance providers in Hawaii

Hawaii residents have quite a few options when choosing a car insurance provider. Some of the common providers include Geico, State Farm, and Allstate because of their accessibility and relative affordability.
However, another provider may have better rates for you.
Car insurance providers all have their own formula they use to calculate premiums, so you may find that you get drastically different quotes for the exact same coverage. While providers in Hawaii can’t consider your age or gender when setting your insurance rates, your driving history will make a major impact on the quotes you get.
Another thing that contributes to your rates is the car you drive. A popular car like the Toyota Rav-4 is a reliable vehicle with relatively low repair costs, so it will be more affordable to insure. However, luxury vehicles like the Tesla Model Y will need special services and thus be more to insure.
Jerry can help you find the best rates on car insurance, no matter your demographics. Here are some of the best savings for our customers:
Insurance Company
Average Cost
Annual Savings with Jerry
Clearcover$3,324$1,113Compare Prices
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What car insurance do you need in Hawaii?

Like most states, Hawaii requires drivers to carry minimum liability insurance before they get on the road. This coverage includes the following:
CoverageAmountDescription
Bodily injury liability$20,000 per person / $40,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$10,000 per accidentCovers the costs associated with the damage you cause to other people’s vehicles or property
You could face penalties if you are caught driving without insurance, including:
  • Fines of up to $500, or
  • 75 to 100 hours of community service
  • License suspension of 3 months
  • Maintain an SR-22 for three years
Hawaii is a no-fault state for injuries caused by car accidents. This means your insurance company will cover the injury costs of you and your passengers, regardless of who is at fault. Because of this, Hawaii also requires that drivers carry $10,000 in personal injury protection.
Even still, it’s a good idea to carry more than the mandatory minimums. Hawaii drivers may benefit from the following insurance:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
Jerry can get you the most affordable rates regardless of which coverage you choose.
Jerry uses your current insurance information to find quotes from dozens of top insurance companies in just seconds. Then Jerry will help you complete all of the paperwork, so you don’t have to. Jerry will even provide you with new rates each time your policy is up for renewal—so you know you’re never overpaying.
Now that you know what insurance you need, here’s what to consider about insurance in Hawaii.

How is your cost of car insurance determined in Hawaii?

Hawaii is unique in that insurers are not allowed to take a driver’s age, gender, or credit score into consideration. Because of this, Hawaii drivers tend to have lower insurance costs.
What young drivers in Hawaii need to know
  • Hawaii has some of the lowest insurance rates for teenage drivers in the country because Hawaii’s insurers are not allowed to set rates based on age
  • Taking a defensive driving course can save young drivers money on their car insurance premiums
  • Drivers under 25 who maintain a B average or higher may be eligible for a good student discount
To keep costs low, apply for discounts, shop around for quotes, and maintain a clean driving record.
Even though young drivers in Hawaii see lower-than-average rates, Jerry can help them save even more. Here are the average rates for drivers in Hawaii by age:
Age Group
Average Cost
Annual Savings with Jerry
25-34$1,440$652
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Cost to insure your car in Hawaii with a poor driving record

While Hawaii carriers can’t change your rate based on age, they can use your driving record to determine your premiums. If you’ve been in an accident, gotten a speeding ticket, or had a DUI or other major driving offense, you will pay more for your Hawaii car insurance rates.
Providers consider drivers with previous infractions to be a higher risk. Therefore, those drivers will pay more for car insurance.
Jerry works with drivers who have past infractions to find them the best rates on car insurance.
These are some of the best prices drivers with less-than-perfect driving records have received in Hawaii after shopping with Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,934$1,545
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Cost to insure your car in Hawaii based on where you live

Unlike other states, Hawaii car insurance rates don’t vary too drastically based on where you live.
While you can expect to pay slightly more in a city like Honolulu or Hilo, rates will be fairly consistent across the state.
Here are the best rates we’ve found for Jerry customers who live in Hawaii:
City
Average Cost
Annual Savings with Jerry
Honolulu$1,440$652
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Cost to insure your car in Hawaii based on the type of car you drive

One of the biggest impacts on your car insurance premiums is the car that you drive. In general, cars that cost more will be more expensive to insure.
For example, the Toyota Corolla is a common car for Hawaii drivers, and the sedan is relatively cheap to insure because of the car’s base price and affordable replacement parts.
Conversely, Hawaii drivers who opt for a more expensive car—like a Jeep Wrangler Unlimited—will see higher insurance rates. This is in part because of the car’s higher starting price, but insurers also consider the car’s lower safety and reliability ratings because it means the car will require more repairs.
These are common insurance premiums for some of the most popular cars in Hawaii with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Ford Fiesta SE$1,440$652
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How to save money on car insurance in Hawaii

Hawaii insurance premiums are fairly affordable, but that doesn’t mean you can’t save even more money!

Shop around for quotes

Perhaps the easiest and best way to save money is to compare quotes from multiple providers.
However, this can be quite the hassle—especially if you have to fill out multiple forms or wait on hold with insurance companies. Fortunately, Jerry makes things easy!
Jerry is the super app that helps you save time and money on your car expenses, including insurance. After a quick sign-up, Jerry will find you quotes from over 50 top insurance providers. If you find a policy you like, Jerry will take care of the rest—including filling out that pesky paperwork. Most Jerry users save $879 on car insurance.

Look for discounts

Discounts are another great way to save money on car insurance in Hawaii. Most providers offer discounts, so it’s smart to see what may be available for you.
Here are some popular discounts in Hawaii:
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Insurers often provide discounts for homeowners, married couples, or people in the military—so it’s smart to see if any extra savings are available.

Increase your deductible

Increasing your deductible can help you save on your monthly premium. Your deductible is the money you pay out of pocket in the event you have to make a claim, so it may make sense to pay more if you think filing is unlikely.
That said, you could be on the hook for a lot of money if you do have to file with your insurance company. Make sure you can cover the cost of the full deductible every time you need to make a claim.

Registering your car in Hawaii

If you want to register a car in Hawaii, you need to have the following paperwork:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • Application for vehicle registration
  • Proof a passing emissions test
  • Proof of insurance
  • Certificate of safety inspection
  • Pay registration fees
You should make an appointment with the DMV before you go to register your vehicle. DMV wait times can be quite long, and you may have to fill out more paperwork.
Hawaii drivers must renew their vehicle registration every year.

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