What is the Average Cost of Auto Insurance in Hawaii?

Car insurance policies are relatively cheap in Hawaii. The average auto insurance cost in Hawaii is $1,079 per year — less than the US average by 24.4%.

Your auto insurance costs are dictated by factors aside from state lines. Car insurance rates consider an array of considerations, such as a driver's credit score, driving record, age, gender, and marital status.

We examined typical Hawaii auto insurance rates by all of the major rating factors. See below how much car insurance costs in each US state — or submit your ZIP code to view tailored prices from popular insurance companies.

Average Hawaii car insurance costs by:

1. Age
2. Gender
3. Marital status
4. Credit score
5. Driving violations
6. Coverage level

 

Average Car Insurance Costs in Hawaii by Age Group

It’s a fact of life: as you grow older, your auto insurance prices shift. Generally, car insurance is more costly for teenage drivers, as insurers see inexperienced drivers as riskier.

In Hawaii, car insurance costs $1,253 per year for a 16-year-old driver, versus $1,080 per year for a driver aged between 50 and 59.

HAWAII CAR INSURANCE PRICES BY AGE BRACKET

Age	Average Yearly Premium
16	$1,252.83
17	$1,127.70
18	$1,111.44
19	$1,101.56
20s	$1,080.69
30s	$1,079.69
40s	$1,079.69
50s	$1,079.69
60s	$1,079.69
70s	$1,079.69

If you're shopping for car insurance for a teen driver, Hawaii is the least expensive state in which to buy auto insurance for a 16-year-old.

---

 

Average Auto Insurance Premiums in Hawaii by Gender

While gender doesn’t have as significant an impact on auto insurance rates as location or experience level, it is used as a pricing factor by car insurance companies.

Men and women pay the same amount for car insurance in Hawaii. Along with Massachusetts, Pennsylvania, North Carolina, California, and Montana, these states do not use gender as a rating factor for car insurance premiums.

HAWAII AUTO INSURANCE RATES FOR WOMEN VS. MEN

Gender	Average Annual Rate
Male	$1,079.69
Female	$1,079.69

If you're concerned you might not be getting the best value for your money with your present auto insurance company, the best option is to compare insurance companies.

---

 

Mean Auto Insurance Rates in Hawaii by Marital Status

One pro of nuptials — aside from the wedding gifts — is the better deal you may receive on your car insurance policy. In Hawaii, however, married drivers pay around the same rates as single, divorced, and widowed drivers. This is a smaller discount than the US average of $76.

HAWAII AUTO INSURANCE PRICES BY MARITAL STATUS

Marital Status	Average Annual Premium
Single	$1,079.69
Married	$1,079.69
Divorced	$1,079.69
Widowed	$1,079.69

Car insurance for divorced drivers in Hawaii is the 42nd most expensive in the nation. If you are paying too much for your coverage, consider doing some comparison shopping. You might find a great deal!

---

 

Average Car Insurance Rates in Hawaii by Credit

Auto insurance underwriters use credit history to gauge how reliable a customer will be. Historical trends indicate drivers with good credit are often more dependable auto insurance clients: they are less likely to file claims insurance companies have to cover.

Hawaii is one of three states that does not use credit scores as a rating factor. Drivers with excellent and poor credit can expect comparable rates, assuming other factors remain constant.

HAWAII AUTO INSURANCE RATES BY CREDIT QUALITY

Credit Level	Average Annual Premium
Very Poor (300-579)	$1,079.69
Fair (580-669)	$1,079.69
Good (670-739)	$1,079.69
Very Good (740-799)	$1,079.69
Exceptional (800-850)	$1,079.69

Getting cheap auto insurance if you're saddled with a bad credit history can be tricky. But we're here to help out. Check out our guide to finding auto insurance with bad credit and save!

---

 

Median Car Insurance Premiums for High-Risk Drivers in Hawaii

If you've been defined as at fault for a crash or convicted of a driving infraction, your auto insurance premiums are bound to grow. The more violations you rack up, the pricier your car insurance becomes.

In Hawaii, your first minor at-fault incident costs $413.48 per year in auto insurance payments. A DUI or DWI — one of the most serious driving infractions — will grow your annual car insurance costs in Hawaii by as much as $4,310.15.

HAWAII AUTO INSURANCE RATES AFTER TICKETS

Violation	Average Yearly Rate
DWI/DUI	$5,389.19
Reckless Driving	$3,732.46
At-Fault Accident (<$1,000)	$1,492.52
At-Fault Accident ($1,000-$2,000)	$1,490.27
At-Fault Accident (>$2,000)	$1,492.52
Open Container	$1,556.90
Speeding (21-25 MPH > limit)	$1,195.54
Speeding (16-20 MPH > limit)	$1,186.32

If your premiums are above-average, think about shopping to find cheap coverage that works.

---

 

Average Auto Insurance Costs by Coverage in Hawaii

How much you pay every month for auto insurance is dependent on the level of coverage you carry. Liability-only coverage typically costs less, while low-deductible comprehensive coverage usually costs more. In Hawaii, the price differential between liability-only coverage and full coverage with a $500 deductible is $576.

HAWAII CAR INSURANCE COSTS BY COVERAGE

Coverage Level	Average Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only	$676
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision	$1,118
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision	$1,252
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only	$599
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision	$1,041
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision	$1,175
State Minimum — Liability Only	$510
State Minimum — $1,000 Comprehensive/Collision	$952
State Minimum — $500 Comprehensive/Collision	$1,086

If you are looking for a better deal on auto insurance, think about shopping policies to discover affordable coverage that covers your vehicle appropriately.