Car insurance in Hawaii is cheaper than most states.

The average driver here pays $998/year — 31% below the national average, and higher than 4 of 50 other states.

$998

avg full coverage
per year

All 51 states by costYou're here ↓

$926 · Maine$1,994 · Florida

● Hawaii is in the 8th percentile nationally

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$998 /yr

Hawaii average · full coverage · clean record

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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

Average full-coverage premium per year
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).

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).