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Liberty Mutual car insurance in Hawaii

Q: Is Liberty Mutual available in Hawaii?

Yes. Liberty Mutual writes personal auto insurance in Hawaii — 45 states and d.c. — not available in alaska, california, north dakota, south dakota or wyoming. That said, 1 of the things Liberty Mutual advertises nationally work differently here, which is covered in detail above.

Q: How much does Liberty Mutual car insurance cost in Hawaii?

Nobody publishes that figure, and we are not going to invent one. What can be said honestly: drivers in Hawaii pay $998 / yr on average across all insurers, and Liberty Mutual's national average for full coverage is not published, because it does not release rate data. Those are two different measurements and neither one is "what Liberty Mutual charges in Hawaii". Only a quote on your own ZIP code, vehicle and record answers that.

Q: What are Hawaii's minimum car insurance requirements?

Hawaii requires at least 40/80/20 in liability coverage. Hawaii's minimum liability requirement is 40/80/20: $40,000 of bodily injury liability per person, $80,000 per accident, and $20,000 of property damage. Minimums like these are set well below what a serious accident typically costs in medical care and vehicle repair.

Q: Is Liberty Mutual a good choice for Hawaii drivers?

Liberty Mutual does not publish enough data for us to give it an overall score, so judge it on the individual categories rather than a single number. Drivers who value claims handling and will quote it directly describes who it suits best. In Hawaii specifically, weigh that against the exclusions listed above before assuming the national picture holds. With 7 other insurers we review also writing in Hawaii, it is worth quoting several.

Liberty Mutual writes personal auto insurance in Hawaii. But one thing works differently here than the national advertising suggests — the details are below.

Not scoredRead our full Liberty Mutual review

What Liberty Mutual costs in Hawaii

Hawaii average, all insurers

$998 / yr

About 31% below the national average

Liberty Mutual average, nationwide

Not published

Liberty Mutual does not release public rate data

Two different measurements, shown together for context and deliberately not combined. Neither is what Liberty Mutual would quote you in Hawaii.

Why there is no third number here

Those two figures measure different things, and multiplying them together would not produce a third. No public dataset publishes what Liberty Mutual specifically charges in Hawaii — rate filings are not compiled that way, and any site showing you that number has estimated it. We would rather show you the two real figures and be clear about what they do not tell you. The only number that describes your situation is a quote on your own ZIP code, vehicle and driving record.

What’s different about Liberty Mutual in Hawaii

Insurers advertise nationally and sell state by state. These are the differences Liberty Mutual publishes for Hawaii — worth knowing before you assume an advertised discount applies to you.

Online customization discount

The '12% or more' discount for customizing your policy online is not available in this state.

What Hawaii requires you to carry

Minimum liability40/80/20

Hawaii's minimum liability requirement is 40/80/20: $40,000 of bodily injury liability per person, $80,000 per accident, and $20,000 of property damage. Minimums like these are set well below what a serious accident typically costs in medical care and vehicle repair.

Driving without insurance in Hawaii carries fines and other penalties that vary by circumstance, and can include vehicle impoundment or license suspension. A coverage lapse also tends to raise your next premium, sometimes for years afterward.

Full Hawaii rates and requirements →

What moves a Hawaii premium most

·ZIP code and where the car sits overnight — the biggest single lever.

·Annual mileage, which most insurers weight heavily.

·Driving record over the last three years, especially at-fault claims.

·Continuous coverage history. Gaps cost more than most discounts save.

·Credit is not a rating factor here, unlike most states.

How Liberty Mutual scores nationally

These are national measures — J.D. Power and NAIC do not publish per-state breakdowns at carrier level, so this scorecard describes Liberty Mutual as a company rather than its performance in Hawaii specifically.

Category

Liberty MutualOur score, 1–5

PriceAverage annual full-coverage premium · 25% of score

Not published

This company does not release public rate data

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

4.5730/1,000

J.D. Power 2025 claims study, segment average 700

Complaint recordComplaints relative to company size · 15% of score

2.5More than expected

Complaints relative to company size, NAIC data 2021–2023

Financial strengthAM Best Financial Strength Rating · 10% of score

4.0A

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

4.512 published

Discounts on the carrier's own pages · Telematics: RightTrack

Digital experienceApp ratings and self-service depth · 15% of score

5.04.79 iOS / 4.6 Android

App Store (484K ratings) and Google Play (185K ratings), August 2026

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Other insurers writing in Hawaii

7 of the 8 insurers we review also sell in Hawaii. Availability is the first filter — a cheaper carrier that does not write here is not an option.

State Farm Progressive Geico Allstate USAA The Hartford Chubb

Liberty Mutual in Hawaii, answered

The questions Hawaii drivers ask about this carrier.

Is Liberty Mutual available in Hawaii?

How much does Liberty Mutual car insurance cost in Hawaii?

What are Hawaii's minimum car insurance requirements?

Is Liberty Mutual a good choice for Hawaii drivers?

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