Auto Insurance in Hawaii — Average Cost 2026
Average auto insurance in Hawaii: $1,160/year ($97/month). Hawaii ranks #4 out of 51 states — below the national average.
Average annual
$1,160
Average monthly
$97
National rank
#4
of 51 states
vs national avg
-34.8%
Hawaii vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Auto insurance in Hawaii
Hawaii sits 35% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Hawaii tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Hawaii drivers hundreds of dollars annually.