Car insurance in Hawaii
Drivers in Hawaii paid $998 a year for full coverage in 2023, 31% below the national average. With prices up since, figure on about $1,180 today. In Hawaii, the law asks for at least 40/80/20 liability.
What people pay in Hawaii
A typical yearly price today
about $1,180 a year (about $100 a month)
Hawaii's average full-coverage cost in 2023 was $998, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,180.
That makes Hawaii the 5th least expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Hawaii next to its a nearby state
Hawaii doesn't share a border with another state, so here it is next to California. Hawaii's typical price is 30% less than California's.
| State | Typical price, 2023 | Moving to Hawaii from there |
|---|---|---|
| Hawaii | $998 | Not a move |
| California | $1,418 | About $570 less a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Hawaii's law asks for
- Liability (per person / per crash / property)
- $40,000 / $80,000 / $20,000
- Personal injury protection (PIP)
- Required
- Medical payments
- Not required
- No-fault
- Yes
- Uninsured motorist
- Included unless you decline in writing
- Underinsured motorist
- Included unless you decline in writing
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Hawaii is a no-fault state: after a crash, your own policy pays for your own injuries first (through personal injury protection), whoever caused it.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $464 in Hawaii in 2023 (about $550 today, brought up the same rough way), the 9th lowest of the 50 states and DC. That's about 46% of the full-coverage price; the rest pays to fix or replace your own car.
Since January 1, 2026, Hawaii requires at least $40,000 per person and $80,000 per crash for injuries, plus $20,000 for property damage (up from 20/40/10). You also need $10,000 of personal injury protection, which pays your own medical bills no matter who caused the crash. Uninsured and underinsured motorist coverage are included unless you turn them down in writing.
What we couldn’t confirm: Hawaii's statute site blocks scripts, so we read it in a browser. We didn't open the 2024 law that raised the minimums; the January 1, 2026 start date comes from the Insurance Division's FAQ.
- Personal injury protection
- $10,000 per person.
- Uninsured and underinsured motorist
- Uninsured motorist coverage comes with your policy at your injury liability limits (at least $40,000/$80,000) unless you turn it down in writing. Underinsured motorist coverage is also included and can be turned down the same way, with your signature on the offer.
- Checked
- September 22, 2026
- Sources
- HRS 431:10C-301 (required motor vehicle policy coverage)
- HRS 431:10C-301(b)(3)-(4) UM/UIM
- Hawaii Insurance Division - FAQ: Auto Insurance Minimum Limits (Effective January 1, 2026)
- HRS 431:10C-103.5 (PIP benefits; limits)
- HRS 431:10C-306 (abolition of tort liability / threshold)
- HRS 431:10C-104 (insurance required)
A new teen driver in Hawaii
Adding a 16-year-old to a typical policy
about $780 more a year
About $65 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,450–$2,600 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $3,390 a year in Hawaii (roughly $2,600–$4,850).
What adding a teen costs comes from California's published prices, so the range is wide, and Hawaii may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Hawaii, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $700 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,170 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$700 a year | $3,030 a year |
| 2022 Subaru Outback | +$700 a year | $3,040 a year |
| 2022 Subaru Crosstrek | +$700 a year | $3,050 a year |
| 2022 Honda CR-V | +$750 a year | $3,260 a year |
| 2022 Toyota RAV4 | +$760 a year | $3,310 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Hawaii (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Hawaii's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.