Find Cheaper Hawaii Car Insurance Rates in 2024

Average insurance rates in Hawaii for 2024 are $1,010 annually for full coverage insurance. Comprehensive insurance, collision insurance, and liability cost around $224, $410, and $262, respectively. Hilo, Kailua, and Ewa Beach have more expensive auto insurance rates, and the three largest writers in Hawaii are Geico, State Farm, and USAA.

Average rate for full coverage: $1,010

Rate estimates for type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Average Price Range for Car Insurance in Hawaii

These price ranges illustrate why everyone should get quotes for a specific zip code and risk profile, instead of depending on generic averages.

Use the form below to get accurate rates for your location.

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The chart estimates Hawaii car insurance prices for various risk profiles and scenarios. The cheapest discount price is $580. Drivers who choose higher $1,000 deductibles will pay around $866. The average price for a driver age 40 with no violations using $500 deductibles is $1,010. Selecting more expensive $100 deductibles for physical damage coverage could cause an increase to $1,292. High risk drivers could be charged at least $2,178. The rate for full coverage for a 16-year-old driver can get as high as $3,714.

Insurance prices in Hawaii are also quite variable based on your driving record, your choice of vehicle, and deductibles and policy limits.

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,200 to $1,600 additional each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 133% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,000 annually on average for full coverage. Rates are highest for teenage drivers, where even good drivers should be prepared to pay as much as $3,700 a year. View Rates by Age

The area you live in plays a big part in determining prices for auto insurance prices. Areas with less traffic congestion could see prices as low as $800 a year, while Hilo and Kailua could have rates closer to $1,200. Geographically different areas within the same city can have a wide range of rates.

These geographic rate differences highlight why it is so important to get rates for your specific Hawaii zip code.

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Choosing high deductibles can save as much as $430 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $236 more each year. View Rates by Deductible or Liability Limit

The type of vehicle you drive has a significant impact on the price of car insurance in Hawaii. Buying a more affordable and safe vehicle will cost less to insure primarily due to cheaper repair costs and less likelihood of injuries in accidents. The table below shows car insurance premium estimates for the best selling vehicles insured in Hawaii.

The company you buy your policy from obviously affects the cost of coverage. Each company has a slightly different rate calculation, and prices have large differences based on indivdual risk characteristics.

In Hawaii, auto insurance prices range from $945 with USAA to as high as $2,421 with AIG. Other companies like State Farm, GEICO, and Liberty Mutual generally fall somewhere towards the middle. Those most likely are not the rates you would pay, as your driving history, the vehicle type, and where you live in Hawaii have to be factored in.

Since rates can be so different, the only way to figure out your exact price is to regularly compare rates from multiple companies. Each auto insurer uses a different rate calculation, and rates may be quite different from one company to the next.