Is car insurance expensive in Hawaii?

My job just transferred me to Hawaii, and I was pretty stoked until a coworker told me that car insurance is going to be really expensive. I live in Ohio now, and it’s pretty cheap here. Is car insurance expensive in Hawaii?

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Answer provided by
Alison Daurio
Answered on May 18, 2022
Car insurance is somewhat expensive in Hawaii. The average cost of $2,297 a year for full-coverage car insurance may be pretty shocking, especially since you currently live in one of the states with the cheapest car insurance in the country.
While insurers consider things like your age, the type of car you drive, and your driving record in order to determine your final costs, your location often plays a big part in how much you pay.
Here are a few reasons why your car insurance might be more expensive after you move to Hawaii:
  • Vehicle theft: Hawaii experiences more car theft than most other states.
  • Uninsured drivers: About 9.3% of Hawaii motorists don’t meet the state’s minimum car insurance requirements.
  • Congested roads: Heavy traffic on some Hawaiian roads can lead to a higher rate of car accidents.
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