BudgetAutoRates Cheapest car insurance in Hawaii (2026)
Skip the averages. Get your actual Hawaii rate.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · Scout guards the burrow. No spam.
Scout's quick take
- Cheapest liability we found: State Farm at $31/mo for a clean-record 35-year-old
- Hawaii average runs 20% below national: $50/mo liability, $159/mo full coverage
- State minimum is 40/80/20; driving uninsured risks fines, license suspension, and SR-22 requirements
BudgetAutoRates affordability gauge: Hawaii premiums vs state median income. Lower claim costs than most states keep the needle toward the green.
Cheapest companies in Hawaii, compared
| Company | Liability / mo | Full coverage / mo | Best for |
|---|---|---|---|
| State Farm | $31 | $99 | Overall cheapest |
| GEICO | $34 | $108 | Digital-first drivers |
| Progressive | $40 | $126 | High-risk / SR-22 |
| Allstate | $46 | $146 | Bundling home + auto |
| Farmers | $50 | $159 | Agent relationships |
| Liberty Mutual | $55 | $173 | Custom coverage add-ons |
Illustrative estimates for a clean-record 35-year-old, built from public rate benchmarks and our cost model, not quotes; see our methodology.
Where does your ZIP land?
Premiums swing ZIP to ZIP, so start with five digits.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · Scout guards the burrow. No spam.
Hawaii minimum coverage: 40/80/20
Hawaii requires liability coverage on every registered vehicle. The legal floor:
- $40,000 bodily injury per person
- $80,000 bodily injury per accident
- $20,000 property damage per accident
Minimum coverage keeps you legal, not necessarily solvent: the average new truck costs more than $20,000 to replace, so one at-fault accident can outrun your property-damage limit.
Increased from 20/40/10 effective Jan 1, 2026 (new/renewal policies); no-fault state, $10k PIP required.
Minimums cross-checked against Insurance Information Institute and state DOI sources, July 2026; see our methodology. Rules change; verify current minimums with your state's Department of Insurance.
Rates by city
Premiums swing inside Hawaii: traffic density, claim frequency, and repair costs vary from ZIP to ZIP, so quote with your exact address. The largest metros in our Hawaii sample:
Hawaii questions, answered
Why is car insurance in Hawaii cheap?
Hawaii rates average about 20% below the national average, near $50/mo for liability and $159/mo for full coverage. Lighter traffic, fewer claims, and lower repair costs keep pricing down, and comparing 3 or more quotes can push your rate lower still.
What happens if I drive uninsured in Hawaii?
Penalties for driving without required coverage in Hawaii typically include fines, license and registration suspension, SR-22 filing requirements, and reinstatement fees, with exact amounts set by state law. A minimum-coverage policy usually costs less than the penalties. Verify current penalties with the Hawaii Department of Insurance, then let Scout find a policy that beats the paperwork.
Compare Hawaii quotes now
Five digits, about 2 minutes, real quotes from top carriers.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · No obligation · Scout guards the burrow. No spam.