Popular Questions about Car Insurance in Hawaii

On average, Hawaii drivers pay about $1,114 a year for their car insurance. This is lower than the national average cost of $1,311 a year, which is good news for those who are looking for affordable coverage. 

As a vehicle owner in Hawaii, you can find the best rates by comparison shopping with the help of a local independent insurance agent. These agents can assist you with obtaining customized car insurance quotes from multiple insurance companies so that you can be sure you are getting the coverage you need at a competitive price. 

Car insurance in Hawaii includes a mixture of mandatory and optional coverage. If you are involved in a collision, here are a few of the ways that your car insurance may be able to help.Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.

  • Fix Someone Else's Car – Required/Min. $10,000. We officially call this "property damage liability."
  • Pay Your Medical Bills – Required / Min. $10,000. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Medical Bills – Required/Min. $20,000 per person; $40,000 per accident. We officially call this "bodily injury liability."

Most car insurance companies will offer additional coverage options that you can include in your policy. These include:

  • Uninsured / underinsured motorist insurance
  • Towing and roadside assistance
  • Rental car reimbursement insurance
  • Gap insurance
  • Umbrella insurance

Hawaii is what is called a “no-fault” state when it comes to car insurance. 

This means that your own car insurance company will cover injuries sustained by you and your passengers in a motor vehicle accident, regardless of fault. If another driver is at fault for the accident, their insurance will only be billed once your personal injury protection insurance is exhausted. 

However, the at-fault driver will be responsible for covering all property damage.

If you are caught driving without insurance in Hawaii, you can face fines ranging from $500 to $5,000 or community service of 75 to 275 hours, and your license will be suspended until proof of insurance is provided. Repeat offenders can also face  the suspension of their vehicle registration and potential jail time.

Despite this, an estimated one in ten motorists in this state is driving while uninsured.

If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage and any related medical bills. However, if the uninsured driver simply doesn’t have the funds available, you may be forced to hire a lawyer and take legal action just to collect a fraction of what is due to you.

That is why uninsured motorist coverage can prove so beneficial. 

This optional coverage can pay for your medical treatment and other injury-related expenses the go beyond what your PIP can cover if you or your passengers are hurt in an accident caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will then take on the time-consuming task of trying to collect the money owed by the at-fault driver, and will absorb the costs if unsuccessful.

There is no such thing as a car insurance company that is best for everyone. The trick is to find the company that is best for you.

That is what independent insurance agents do. These agents obtain and compare customized quotes from a variety of reliable insurance companies so they can find the policy that can provide the best value to you and your family.

Find an independent insurance agent near you to get started.

Yes! There are currently 34 independent insurance agents in Hawaii who are ready to help.

These experienced agents are free to work with several different insurance providers to help you find the best rate for auto coverage. That way, you can buy a policy that meets all your coverage needs at a price you can afford. Learn more by contacting an independent insurance agent near you today.

How does car insurance work?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 25.4 Min

National average car thefts per 1,000 2.94 Year

National average car insurance cost $1318 Year

CityCommute time (min)Annual insurance cost
East Honolulu29.7$1,298
Ewa Gentry38.3$1,375
Hilo16.3$981
Kahului20.6$1,008
Kailua14.8$963
Kaneohe27.8$1,239
Kapolei38.1$1,391
Kihei19.9$1,006
Makakilo36.3$1,334
Mililani Mauka31.8$1,233
Mililani Town31.6$1,360
Pearl City28.7$1,187
Urban Honolulu22.3$1,126
Wailuku34.7$1,383
Waipahu20.3$951
  1. $94
  2. Honolulu, HI Car insurance average monthly cost
  3. The average monthly cost of car insurance in Honolulu is $94.
  4. Because your car insurance rates are customized according to your personal details, your actual monthly cost could be considerably higher or lower than this amount. Several factors, such as your driving record, your vehicle’s year, make and model, and the amount of coverage you are purchasing, can influence how insurance companies calculate your price.
  5. Whether you find yourself in a multi-vehicle collision on the Moanalua Freeway or you cause a fender bender on King Street, a good car insurance policy can cover your financial responsibilities. By purchasing a policy that includes collision coverage, you can be sure that damage to your own vehicle is covered, even if the accident is your own fault.
  6. Find an independent agent in Honolulu to learn more about how each of your car insurance coverage options can prove beneficial to you.


  1. $99
  2. Pearl City, HI Car insurance average monthly cost
  3. The average monthly cost of car insurance in Pearl City is $99.
  4. Residents of Pearl City tend to pay more for their car insurance than most others throughout the state. Of course, your actual price can differ significantly from this average. This is because insurance companies will take into account considerations such as your age, gender, and driving record as well as details about your vehicle(s) when they calculate your personalized quote.
  5. The more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Residents of Pearl City, many of whom commute into Honolulu every day, have some of the longest commute times in the state. This extra time spent getting to and from work can translate to higher costs for car insurance. If you work from home, carpool, or use public transportation, you may qualify for low-mileage discounts.
  6. Talk to an independent insurance agent in Pearl City to find out what you can do to keep your car insurance rates affordable.


  1. $82
  2. Hilo, HI Car insurance average monthly cost
  3. The average monthly cost of car insurance in Hilo is $82.
  4. When calculating your actual rate, insurance companies will take several factors into account including details about your vehicle(s), including its make, model and year, and details about you like your age, occupation, and driving record. The amount of coverage you are purchasing, and the size of your deductible, can also significantly influence your rates. Because of this, your actual monthly cost could be higher or lower than the city’s average.
  5. Accidents don’t just happen on highways. You could find easily find yourself rear-ended at a red light on Kanoelehua Avenue or in a fender bender in the parking lot at Safeway. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not have to worry about an accident having a negative impact on your finances. As long as your policy includes collision insurance, your vehicle’s damage will be covered, even if you were at fault for the accident.
  6. Find out more by talking with an independent insurance agent in Hilo.


  1. $80
  2. Kailua, HI Car insurance average monthly cost
  3. The average monthly cost of car insurance in Kailua is $80.
  4. Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a variety of factors such as your age, occupation, and driving record, as well as details about the vehicle(s) you wish to insure. Let an independent insurance agent compile a variety of customized Kailua car insurance quotes so you can find the policy that offers the best value for your hard-earned money.
  5. Hail can be problem in Kailua. One of the worst storms to hit the area occurred in March 2012, when area residents reported hailstones measuring as much as three inches in diameter. These large stones can cause significant damage to cars, including cracked windshields, damaged paint jobs, and unsightly dents. Fortunately, if your car insurance policy includes comprehensive coverage, you can be reimbursed you for the cost of repairs.
  6. Learn more about comprehensive coverage as well as the other coverage available to you by speaking with an independent insurance agent in Kailua.


  1. $79
  2. Waipahu, HI Car insurance average monthly cost
  3. The average monthly cost of car insurance in Waipahu is $79.
  4. However, you should take this average with a grain of salt. Your monthly cost could be higher or lower than this, since your Waipahu auto insurance rate is completely personalized according to your driving history, vehicle information, deductible amount, and other factors.
  5. Even the most experienced drivers sometimes cause accidents, particularly when distracted by the radio, other passengers, or thoughts about things that need to be done that day. Whether you cause a minor accident on Farrington Highway or a major collision on the Queen Liliuokalani Freeway, an all-inclusive auto insurance policy can cover your losses and prevent you from facing expensive lawsuits.
  6. Consult an independent insurance agent in Waipahu to discover how much it will cost you to purchase varying levels of coverage.