What affects your rate in Hawaii
Hawaii is the strictest rating state: HRS §431:10C-207 bars insurers from using credit, age, gender, length of driving experience or marital status to set auto rates.
How Hawaii compares
| Benchmark | Per year |
|---|---|
| Hawaii | $998 |
| National average | $1,438 |
| Most expensive — Florida | $1,994 |
| Cheapest — Maine | $926 |
Source: NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data, released February 2026).
Frequently asked questions
How much does car insurance cost in Hawaii?
The average driver in Hawaii pays about $998 per year — roughly $83 a month — for full-coverage car insurance, according to the NAIC 2023 Auto Insurance Database Report. State-minimum coverage typically costs much less.
Is car insurance more expensive in Hawaii than the U.S. average?
No. At $998 per year, Hawaii is about 31% below the national average of $1,438. That ranks it 47th out of 51 states and D.C. by cost.
Why is car insurance cheaper in Hawaii?
Hawaii is the strictest rating state: HRS §431:10C-207 bars insurers from using credit, age, gender, length of driving experience or marital status to set auto rates.
Does Hawaii use your credit score to set car insurance rates?
No. Hawaii is one of only four states (California, Hawaii, Massachusetts, Michigan) that ban credit-based insurance scoring, so your credit history cannot legally affect your premium here.
How can I lower my car insurance in Hawaii?
Compare quotes from several insurers, raise your deductible, bundle auto with home or renters, and keep a clean driving record. For the same driver, premiums in Hawaii can differ by hundreds of dollars between companies, so shopping around is the biggest lever.
About this estimate. The base figure is the NAIC combined average premium for Hawaii (liability + collision + comprehensive, 2023). The calculator applies published industry multipliers (age, credit, record, coverage) from secondary sources (Bankrate / ValuePenguin modeled rates) and is an estimate for informational purposes only — not an insurance quote or offer. Credit-tier adjustments are not applied in states that ban credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan). See our full methodology.