Ranked #44 of 51 by Cost
2026 Hawaii Car Insurance Calculator
Estimate your monthly premium based on The Aloha State averages
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Local insurance tip
Hawaii is a no-fault state with mandatory Personal Injury Protection, but vehicle repair costs in Hawaii are significantly higher than on the mainland due to the cost of shipping parts and the limited number of repair facilities. Ensuring your collision and comprehensive limits reflect actual vehicle replacement value, rather than mainland depreciation schedules, is especially important for Hawaii drivers.
Cost Breakdown
| Coverage | Monthly | Description |
|---|---|---|
| HI minimum | $76 | Legal bare minimum (liability only) |
| Standard liability | $121 | High Liability, no physical damage |
| Full coverage | $161 | Comprehensive ($500 ded.) |
| Premium protection | $219 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $475 |
| 20-24 | High | $266 |
| 25-54 | Standard | $161 |
| 55-69 | Low | $153 |
| 70+ | Moderate | $201 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $161 |
| Speeding Ticket | Moderate | $196 |
| At-Fault Accident | High | $238 |
| DUI / DWI | Very high | $459 |
Hawaii Snapshot · June 2026
$161/mo
State avg (-34% US AVG)
#44
National Rank
13%
County Spread
Rate by Cities (Top 15)
Compared to HI avg ($161)
City Insight
Hawaii's city-level rates are remarkably compressed, nearly every city sits within a few dollars of each other, reflecting the island geography that limits the traffic density variation seen in mainland states.
Rate by Counties (5)
Compared to HI avg ($161)
County Insight
The spread across Hawaii's four counties is narrow. Kauai is the most affordable, its low population density and limited highway infrastructure keeping claim frequency minimal. Hawaii County and Honolulu are virtually identical despite their size difference, suggesting island geography moderates the urban premium that would typically separate a state capital from a rural county.
What Every Hawaii Driver Needs To Know
What are the minimum car insurance requirements in HI for 2026?
Hawaii requires 20/40/10 liability minimums, plus $10,000 in Personal Injury Protection (PIP). Hawaii is a no-fault state, meaning your PIP covers your medical bills regardless of fault up to that limit. Uninsured Motorist coverage is not mandated but must be offered by insurers.
Is Hawaii a no-fault state?
Yes — Hawaii is a no-fault state, meaning your own PIP pays your medical bills after an accident regardless of who caused it. You can step outside the no-fault system and sue the at-fault driver for pain and suffering only if your medical expenses exceed $5,000 or your injury involves a permanent injury, significant disfigurement, or death.
Why are vehicle repair costs so high in Hawaii?
Hawaii's island geography means virtually all auto parts must be shipped from the mainland, adding cost and time to every repair. Labor costs are also elevated relative to most mainland markets. As a result, collision and comprehensive claims in Hawaii cost insurers more than comparable claims elsewhere, which is reflected in higher premiums for those coverages across all islands.
What are the penalties for driving uninsured in Hawaii?
Hawaii takes uninsured driving seriously. A first offense results in a fine of $500, license suspension and a requirement to obtain an SR-22 for three years. Subsequent offenses carry higher fines and longer suspensions. Hawaii uses an electronic verification system tied to vehicle registration and uninsured vehicles can be flagged at renewal even without a traffic stop or accident triggering a check.
Sources: Hawaii DMV