Hawaii ranks among the cheapest states for auto insurance, with full coverage averaging roughly $1,675 a year — about 38% under the national average. The state runs on no-fault rules, and it forbids using credit score, age, or gender as primary rating factors. Here's the coverage you must carry, what residents pay, and how to find a better rate.
Hawaii follows no-fault rules — your own personal injury protection (PIP) covers your medical costs after a crash no matter who was at fault, the reason $10,000 of PIP is compulsory. The state is also strikingly consumer-protective: its law bars insurers from using credit score and limits the role of age, gender, and length of driving experience as primary rating factors. That, paired with light traffic, keeps Hawaii among the cheapest states, averaging roughly $1,675 a year for full coverage.
The coverages below are the minimum a driver must legally carry in Hawaii. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $20k / $40k | Per injured person / per crash |
| Property damage liability | $10k | Mandatory |
| Personal injury protection | $10,000 | Mandatory — Hawaii is a no-fault state |
| Uninsured motorist | Optional | Offered; may be waived |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,675/yr | 38% below U.S. | Comprehensive and collision included |
| Minimum coverage | $413/yr | 51% below U.S. | The lowest tier in the U.S. |
Estimates apply national rate-increase multipliers to Hawaii's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$1,675/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$2,395/yr | +43% | 1,675 × 1.43 per Bankrate |
| Speeding ticket | ~$2,077/yr | +24% | 1,675 × 1.24 per Bankrate |
| DUI on record | ~$3,149/yr | +88% | 1,675 × 1.88 per Bankrate |
| Young driver (18–24) | Limited factor | — | HI limits age as a rating factor |
| Poor credit score | Not a factor | — | HI bars credit-based pricing |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Hawaii's rating rules make it one of the fairest states for drivers who'd be penalized elsewhere — young drivers, those with thin credit — because age and credit can't move the premium. The trade-off is a low liability minimum and higher underlying vehicle costs from island logistics. Driving record still matters, so a clean record keeps you near the state's low baseline. Even with fewer carriers, weighing the available options pays off.
Hawaii is one of the most affordable and consumer-friendly states for auto insurance, thanks to no-fault PIP and bans on credit- and age-based pricing. Weighing the available carriers and keeping a clean record is the best way to stay near its low baseline.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Hawaii are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Hawaii insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.