Hawaii Auto Insurance: Average Cost & Requirements (2025)
Annual Average
$1,200
Monthly
$100
vs National Avg
31% below
Nat. avg: $1,750/yr
Why Hawaii Rates Are Low
Hawaii's average full-coverage auto insurance rate of $1,200/year is 31% below the $1,750 national average. Rates are driven by population density, uninsured driver rates, local litigation costs, weather events, and state-mandated coverage requirements. Lower population density, fewer severe weather events, and competitive local insurance markets keep rates down.
How to Lower Your Rate in Hawaii
- Bundle home and auto with the same insurer — average saving: 15–20%
- Raise your deductible from $500 to $1,000 — saves $200–400/year on average
- Ask about low-mileage discounts if you drive under 7,500 miles/year
- Take a defensive driving course — qualifies for 5–15% discount with most carriers
- Pay annually instead of monthly — eliminates installment fees ($50–120/year)
- Compare at least 3 quotes — rates for the same driver can vary 40–60% across insurers