Car insurance rates in Hawaii
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- USAA provides the cheapest liability coverage at $29 per month in Hawaii.
- USAA offers the cheapest rates for full coverage insurance in Hawaii at $94 per month.
- At $109 per month, Honolulu is the cheapest city for car insurance in Hawaii.
Read on to learn more about car insurance price trends in Hawaii. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Hawaii
For drivers looking to meet Hawaii minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liabiility insurance in Hawaii
#1. USAA: $29
#2. Island Insurance Group: $30
#3. Island Insurance: $35
#4. 21st Century: $41
#5. Farmers: $42
Cheap full coverage in Hawaii
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Hawaii
#1. USAA: $94
#2. Island Insurance Group: $106
#3. Island Insurance: $110
#4. Farmers: $112
#5. State Farm: $119
Impact of traffic violations on Hawaii auto insurance rates
In Hawaii, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Hawaii may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Hawaii after common driving violations.
- No violation: $134
- Not-at-fault accident: $136
- Failure to wear a seat belt: $141
- Speeding 6 - 10 MPH over limit: $148
- Speeding 21 - 25 MPH over limit: $204
- DUI: $313
- Reckless driving: $300
- Driving with a suspended license: $311
- Leaving scene of an accident/hit and run: $320
Car insurance rates across Hawaii's top cities
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
Cities with the cheapest average monthly premium in Hawaii
#1. Honolulu: $109
#2. Poipu: $112
#2. Hanapepe: $112
#2. Puhi: $112
#2. Princeville: $112
Cities with the most expensive average monthly premium in Hawaii
#1. Honomu: $138
#1. Kalaoa: $138
#1. Honaunau: $138
#1. Honaunau-Napoopoo: $138
#1. Honokaa: $138
