How much is car insurance in Hawaii?
In Hawaii, a full-coverage auto policy averaged $998 a year in 2023 (NAIC), 31% below the $1,439 national average (5th lowest in the US), or about $1,180 a year in Hawaii today (about $100 a month as of August 2026). For Hawaii drivers, the law asks for at least 40/80/20 liability, and liability-only coverage—the closest NAIC measure to a minimum policy—averaged $464 in 2023 (about $550 today).
What people pay in Hawaii: 5th lowest average in the US
Typical Hawaii full-coverage price today
about $1,180 a year in Hawaii (about $100 a month)
Hawaii's 2023 NAIC full-coverage average ($998) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Hawaii rate depends on your car, driving history, and coverage limits.
That $998 2023 full-coverage figure makes Hawaii the 5th least expensive of the 50 states and DC (against $1,439 nationally), with 46% going to liability ($464, 9th lowest in the US) and 54% covering physical damage to your own vehicle. Counting every insured car in Hawaii—both full-coverage and liability-only policies—Hawaii drivers spent $888 per vehicle on average in 2023 (5th lowest in the US, about $1,050 today), or 11% ($110) less than Hawaii's full-coverage combined average.
Hawaii compared with California
Hawaii doesn't share a land border with another state, so the table compares Hawaii ($998 in 2023) with California ($1,418): Hawaii's typical price is 30% less than California's.
| State | 2023 average | Moving to Hawaii from there |
|---|---|---|
| Hawaii | $998 | Current state (Hawaii) |
| California | $1,418 | About $560 less a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Wisconsin ($1,000 in 2023, about $1,190 today), Iowa ($1,010 in 2023, about $1,200 today), Idaho ($981 in 2023, about $1,160 today), and Indiana ($1,032 in 2023, about $1,220 today).
Hawaii: 40/80/20 minimums since 2026 and no-fault PIP rules
- Hawaii liability (per person / per crash / property)
- $40,000 / $80,000 / $20,000
- Personal injury protection (PIP) in Hawaii
- Required
- Medical payments in Hawaii
- Not required
- No-fault system in Hawaii
- Yes
- Uninsured motorist in Hawaii
- Included unless you decline in writing
- Underinsured motorist in Hawaii
- Included unless you decline in writing
Set by HRS 431:10C-301 (required motor vehicle policy coverage), Hawaii's 40/80/20 minimum pays up to $40,000 per person and $80,000 per crash for injuries you cause to others, plus $20,000 for others' property—the legal floor in Hawaii, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Hawaii is a no-fault state: after a crash, your own Hawaii policy pays for your medical bills first through personal injury protection (PIP), regardless of who caused the crash.
Liability-only coverage in Hawaii—the closest NAIC figure to what a Hawaii minimum policy costs—averaged $464 in 2023 (about $550 in Hawaii today), the 9th lowest of the 50 states and DC. That makes liability 46% of Hawaii's full-coverage average ($998), while the remaining 54% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- Limits rose from 20/40/10 to 40/80/20 for new and renewal policies effective on or after January 1, 2026 (L 2024, c 138). PIP stays at $10,000.
- Checked
- September 22, 2026
- Sources
- HRS 431:10C-301 (required motor vehicle policy coverage)
Liability coverage of not less than $40,000 per person, with an aggregate limit of $80,000 per accident ... (2) Liability coverage of not less than $20,000 ... damage to or destruction of property
- HRS 431:10C-301(b)(3)-(4) UM/UIM
the coverage required under this paragraph shall not be applicable where any named insured in the policy shall reject the coverage in writing ... Provide for written rejection of the coverage
- Hawaii Insurance Division - FAQ: Auto Insurance Minimum Limits (Effective January 1, 2026)
As of January 1, 2026, Hawaiʻi law increased the minimum liability insurance coverage limits ... apply to all new and renewal policies with effective dates on or after January 1, 2026.
- HRS 431:10C-103.5 (PIP benefits; limits)
Personal injury protection benefits shall be subject to an aggregate limit of $10,000 per person for services provided under this section.
- HRS 431:10C-306 (abolition of tort liability / threshold)
this article abolishes tort liability ... Tort liability is not abolished ... personal injury protection benefits incurred by such person equal or exceed $5,000
- HRS 431:10C-104 (insurance required)
no person shall operate or use a motor vehicle upon any public street, road, or highway of this State at any time unless such motor vehicle is insured at all times
- HRS 431:10C-301 (required motor vehicle policy coverage)
Adding a 16-year-old driver in Hawaii: about $780 more a year
Adding a 16-year-old to a Hawaii policy
about $780 more a year
About $65 a month (+66% over a typical Hawaii adult policy of $1,180), bringing the combined Hawaii family policy to roughly $1,450–$2,600 a year.
On a separate Hawaii policy of their own with the same car, a 16-year-old in Hawaii would pay about $3,390 a year (roughly $2,600–$4,850), so sharing a parent's Hawaii policy saves about $2,610 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Hawaii's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Hawaii
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 on a Hawaii policy, versus about $1,170 more a year for the 2022 Tesla Model 3 at the top of Hawaii's list.
| 2022 model | Added to a Hawaii policy | Own Hawaii policy |
|---|---|---|
| 2022 Subaru Forester | +$700 in Hawaii | $3,030 in Hawaii |
| 2022 Subaru Outback | +$700 in Hawaii | $3,040 in Hawaii |
| 2022 Subaru Crosstrek | +$700 in Hawaii | $3,050 in Hawaii |
| 2022 Honda CR-V | +$750 in Hawaii | $3,260 in Hawaii |
| 2022 Toyota RAV4 | +$760 in Hawaii | $3,310 in Hawaii |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Hawaii
In Hawaii, a 45-year-old with full coverage pays from about $1,280 a year for a 2024 Buick Enclave to about $1,510 for a 2024 Ram 1500 on these Hawaii sample models.
| Car | 45-year-old in Hawaii | Adding a teen in Hawaii |
|---|---|---|
| 2024 Buick Encore GX | about $1,320 a year | +$870 a year |
| 2024 Buick Enclave | about $1,280 a year | +$840 a year |
| 2024 Dodge Durango | about $1,420 a year | +$940 a year |
| 2024 Mitsubishi Outlander | about $1,440 a year | +$950 a year |
| 2024 Chevrolet Silverado | about $1,480 a year | +$980 a year |
| 2024 Ram 1500 | about $1,510 a year | +$1,000 a year |
| 2024 GMC Sierra | about $1,390 a year | +$920 a year |
| 2024 Toyota Tundra | about $1,330 a year | +$880 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Hawaii
- How much is car insurance in Hawaii?
- In Hawaii, full-coverage car insurance averaged $998 a year in 2023 (the 5th least expensive of the 50 states and DC per NAIC), or about $1,180 a year ($100 a month) in Hawaii as of August 2026. Hawaii liability-only coverage averaged $464 in 2023 (46% of Hawaii's full-coverage figure, or about $550 today), and Hawaii drivers spent $888 per insured car across all policies.
- What are the minimum car insurance limits in Hawaii?
- Under HRS 431:10C-301 (required motor vehicle policy coverage), Hawaii requires 40/80/20 liability: $40,000 per person and $80,000 per crash for bodily injury, plus $20,000 for property damage. Limits rose from 20/40/10 to 40/80/20 for new and renewal policies effective on or after January 1, 2026 (L 2024, c 138). PIP stays at $10,000.
- How much does adding a 16-year-old teen driver cost in Hawaii?
- Adding a 16-year-old to a parent's full-coverage policy in Hawaii adds about $780 more a year ($65 a month), bringing the Hawaii household policy to roughly $1,450–$2,600 a year versus about $3,390 a year (roughly $2,600–$4,850) on a standalone Hawaii teen policy.
- Is Hawaii a no-fault car insurance state?
- Yes—Hawaii uses no-fault auto insurance rules, so your own Hawaii personal injury protection (PIP) pays your medical bills first after a crash regardless of fault. $10,000 per person.
- How does Hawaii's car insurance cost compare with California?
- Hawaii averaged $998 for full coverage in 2023 (NAIC) against $1,418 in California (30% less than California), and moving a sample policy from California to Hawaii today is about $560 less a year.
Sources for Hawaii
- Hawaii average premiums ($998 full coverage, $464 liability-only, $888 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Hawaii minimum coverage statutes (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)), checked September 22, 2026. Page updated for Hawaii. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.