Car Insurance Quotes Hawaii

As of 2025, State Farm and USAA are recognized for providing the best customer service in Hawaii. Island Insurance offers the cheapest liability-only policies at around $32 per month, which is lower than the state average. They also provide the most affordable full coverage at approximately $106 per month. When selecting a car insurance provider, it is important to consider factors such as customer service, coverage options, and pricing to find the best fit for individual needs.

In Hawaii, car registration is managed by each state government, and the best car insurance companies as of 2025 include State Farm, USAA, and Island Insurance. Factors such as driving habits, annual mileage, and the type of car insured influence car insurance rates, in addition to demographic factors like zip code.

Car insurance rates in Hawaii vary by city, with Pearl City offering the lowest average six-month premium at $708 and a monthly premium of $118. Honolulu has an average six-month premium of $712, translating to a monthly cost of $119. Waipahu’s six-month premium averages $716, with a monthly premium of $119, while Kailua sees an average six-month premium of $728 and a monthly premium of $121. Hilo has the highest rates among the listed cities, with an average six-month premium of $748 and a monthly premium of $125.

Hawaii mandates minimum car insurance coverage to legally operate a vehicle. These minimums include bodily injury liability coverage of $20,000 per person and $40,000 per accident, basic personal injury protection of $10,000, and property damage liability coverage of $10,000. uninsured/underinsured motorist coverage is set at $20,000 per person and $40,000 per accident. It is important to maintain these minimum coverages to comply with state law and ensure financial protection in the event of an accident.

READ ALSO; Car Insurance Quotes State Farm

Hawaii Registration Information

Hawaii does not have a statewide department of motor Vehicles. Each state government manages car registration.

Best Car Insurance Quotes In Hawaii

As of 2025, these are the best three car insurance companies in Hawaii.

Cheapest liability coverage in Hawaii

A liability-only policy from Island Insurance typically costs $32 per month, which is significantly less than the average for Hawaii.

Cheapest full coverage in Hawaii

Island Insurance also offers the cheapest rates for a six-month full coverage policy, at $106 monthly.

Best customer service in Hawaii

These are State Farm and USAA

Hawaii Auto Insurance Coverage Requirements

The following are the minimum requirements for Hawaii car insurance coverage to legally drive a car in the state:

Bodily injury liability coverage: $20,000 per person and $40,000 per accident
Basic personal injury protection: $10,000
Property damage liability coverage: $10,000
Uninsured/underinsured motorist: $20,000 per person and $40,000 per accident

Car Insurance in Popular Hawaii Cities

Car insurance companies take into account the location of the vehicle when determining your rate. Pearl City, Hawaii, has the cheapest rates, while Hilo, Hawaii, has the highest. The table below lists the rates for car insurance in some of Hawaii’s largest cities.

City Avg. 6 Mo. Premium Avg. Monthly Premium
Pearl City……….$708………………………………$118
Honolulu……….$712……………………………….$119
Waipahu………..$716………………………………$119
Kailua……………$728………………………………$121
Hilo……………….$748………………………………$125

Hawaii Driving Resources

Know more about Hawaii’s driving regulations, regardless of whether you drive in Honolulu or Hilo. these details apply to Waipahu, Kaneohe, and everywhere in between, and local municipalities may have additional laws and resources.

Hawaii State Motor Vehicle Registration: Find out how to get or renew your Hawaii license and registration.
Hawaii driving license FAQs: Get answers to common questions about a Hawaii driver’s license.
Hawaii Department of Transportation Traffic Laws and Regulations: Review Hawaii’s traffic and parking regulations.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.

What factors impact your car insurance Rates in Hawaii

In selecting the appropriate coverages, limits, and deductibles, the following variables may also have an impact on your Hawaii auto insurance rates:

The type of car you’re insuring (year, make, model)
Your driving habits and annual mileage
Demographic factors, like zip code
Any discounts you may qualify for

A car insurance resource centre offers insights into how car insurance works, including terms, definitions, and savings tips. For additional information, visit here

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