Car insurance in Hawaii: rates & minimums for 2026
Drivers in Hawaii pay an estimated 31% below the national average for full coverage. Comparing across 50+ insurers is the only reliable way to find out which side of that average you are on.
Hawaii at a glance
Source: premium figures from the NAIC 2023 Auto Insurance Database Average Premium Supplement (published June 2025); uninsured-driver share from the Insurance Research Council / Insurance Information Institute, 2022 data; state minimum liability limits compiled from state statutes as of August 2026. City-level rates below are modeled from this state average, not independently sourced per city. Updated August 2026.
Rates by major city
Within one state, ZIP code is often the largest single factor in your premium — larger than the car you drive.
Compare in my ZIPWhat Hawaii requires you to carry
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.
What moves a Hawaii premium most
Other states
Every state has its own page with the same figures.
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