Comparing auto insurance in Hawaii is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Hawaii drivers may want to consider comprehensive coverage because island conditions can include coastal corrosion, flooding, storm damage, theft, vandalism and limited repair-part availability.
Hawaii average rates are well below Bankrate’s listed national averages. Unlike most states, Hawaii does not allow auto insurers to use credit history, age, gender or marital status when setting rates, so driving record, vehicle, location and coverage choices carry more weight.
40/80/20
Hawaii requires at least $40,000 bodily injury liability per person, $80,000 bodily injury liability per accident, and $20,000 property damage liability for new and renewal policies effective on or after January 1, 2026. Hawaii also requires at least $10,000 in personal injury protection coverage.
No Fault
Required
Hawaii is a no-fault state and requires at least $10,000 per person in personal injury protection benefits for medical and rehabilitation costs, regardless of fault.
Offer/Rejection Rule
Uninsured and underinsured motorist coverage is not mandatory in Hawaii, but insurers must advise drivers about UM/UIM options and the right to decline coverage in writing.
Recent rate data estimates Hawaii annual auto insurance premiums at about $1,678 for full coverage and $413 for minimum coverage.
| Driver Profile | Estimated Annual Premium | Estimated Monthly Premium |
|---|---|---|
| State minimum coverage | $413 | $34 |
| Full coverage | $1,678 | $140 |
| Full coverage with speeding ticket | $1,827 | $152 |
| Full coverage after at-fault accident | $2,116 | $176 |
| Full coverage after DUI | $4,917 | $410 |
| Full coverage with poor credit | $1,678 | $140 |
Bankrate, 2026
Source: Bankrate
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles and insurer. Hawaii does not allow insurers to use age, gender, marital status or credit history as rating factors for auto insurance.
Hawaii minimum coverage focuses on required protection such as Hawaii requires at least $40,000 bodily injury liability per person, $80,000 bodily injury liability per accident, and $20,000 property damage liability for new and renewal policies effective on or after January 1, 2026. Hawaii also requires at least $10,000 in personal injury protection coverage.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Hawaii may require an SR-22 filing when proof of financial responsibility is ordered after certain traffic court convictions or suspension notices. County financial responsibility guidance says drivers who are required to submit an SR-22 should contact their insurance company because the county office does not provide the form.
Hawaii does not use FR-44 filings.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Hawaii auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Hawaii drivers, including:
Ask about bundling, safe-driver, multi-vehicle, paid-in-full, paperless billing, automatic payment, good-student and telematics discounts. Because Hawaii rates are already relatively low, comparing several carriers can still be worthwhile, especially after a ticket, accident or DUI.
Ask about available discounts when comparing quotes.
| Rank | Carrier |
|---|---|
| 1 | Geico |
| 2 | USAA |
| 3 | State Farm |
| 4 | Allstate |
| 5 | Farmers |
Carrier pricing and availability vary by island, ZIP code, vehicle, coverage selection and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Find auto insurance in these major Hawaii cities:
Hawaii requires 40/80/20 liability coverage for new and renewal policies effective on or after January 1, 2026: $40,000 bodily injury liability per person, $80,000 per accident and $20,000 property damage liability. Hawaii also requires at least $10,000 in personal injury protection coverage.
Yes. Hawaii is a no-fault state for injury claims, meaning your own insurance generally pays medical and rehabilitation costs through PIP regardless of who caused the crash. Fault can still matter for vehicle and property damage.
Yes. Hawaii requires at least $10,000 per person in personal injury protection coverage for medical and rehabilitation costs, regardless of fault.
No. Uninsured and underinsured motorist coverage is optional in Hawaii, but insurers must explain the available UM/UIM options and the driver’s right to decline coverage in writing.
Bankrate lists Hawaii’s average annual cost at $1,678 for full coverage and $413 for minimum coverage. Actual quotes depend on ZIP code, vehicle, driving record, coverage limits, deductibles and insurer.
Hawaii may require an SR-22 filing when proof of financial responsibility is ordered after certain traffic court convictions or suspension notices. Drivers should follow the notice they receive and contact their insurer or county financial responsibility office.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
