Delaware vs Hawaii Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Hawaii is $650/yr cheaper on average.

Fewer Uninsured

Hawaii has a lower uninsured rate (9.2% vs 11.4%).

Rate & Coverage Comparison

Attribute	Delaware	Hawaii
Avg Annual Premium	$1,920	$1,270
Min Liability	$630	$420
Full Coverage	$1,920	$1,270
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.4%	9.2%
Registered Vehicles	811,800	1,193,920
Accidents/Year	12,177	17,908
Population	990,000	1,456,000

Minimum Coverage Requirements

Delaware

25/50 / 10 liability

Hawaii

20/40 / 10 liability

Premium Comparison

Delaware$630 – $1,920

Liability: $630Avg: $1,920Full: $1,920

Hawaii$420 – $1,270

Liability: $420Avg: $1,270Full: $1,270

DelawareFull rates, age breakdown, requirements →HawaiiFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Delaware or Hawaii?

Hawaii has cheaper car insurance, with an average annual premium of $1,270 compared to $1,920 in Delaware - a difference of $650 per year.

How do Delaware and Hawaii compare on fault systems?

Delaware uses a at-fault (tort) system while Hawaii uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Delaware vs Hawaii?

Delaware requires 25/50 / 10 liability. Hawaii requires 20/40 / 10 liability. Minimum liability costs $630/yr in Delaware and $420/yr in Hawaii.

Which state has more uninsured drivers, Delaware or Hawaii?

Delaware has a higher uninsured driver rate at 11.4%, compared to 9.2% in Hawaii. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Delaware vs Hawaii insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Delaware

Hawaii

Avg Annual Premium

$1,920

$1,270

Min Liability

$630

$420

Full Coverage

$1,920

$1,270

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.4%

9.2%

Registered Vehicles

811,800

1,193,920

Accidents/Year

12,177

17,908

Population

990,000

1,456,000