District of Columbia vs Hawaii Car Insurance

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

Quick Verdict

More Affordable

Hawaii is $550/yr cheaper on average.

Fewer Uninsured

Hawaii has a lower uninsured rate (9.2% vs 10.6%).

Rate & Coverage Comparison

Attribute	District of Columbia	Hawaii
Avg Annual Premium	$1,820	$1,270
Min Liability	$600	$420
Full Coverage	$1,820	$1,270
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	10.6%	9.2%
Registered Vehicles	565,800	1,193,920
Accidents/Year	8,487	17,908
Population	690,000	1,456,000

Minimum Coverage Requirements

District of Columbia

25/50 / 10 liability

Hawaii

20/40 / 10 liability

Premium Comparison

District of Columbia$600 – $1,820

Liability: $600Avg: $1,820Full: $1,820

Hawaii$420 – $1,270

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

District of ColumbiaFull rates, age breakdown, requirements →HawaiiFull rates, age breakdown, requirements →

📊

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, District of Columbia or Hawaii?

Hawaii has cheaper car insurance, with an average annual premium of $1,270 compared to $1,820 in District of Columbia - a difference of $550 per year.

How do District of Columbia and Hawaii compare on fault systems?

District of Columbia 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 District of Columbia vs Hawaii?

District of Columbia requires 25/50 / 10 liability. Hawaii requires 20/40 / 10 liability. Minimum liability costs $600/yr in District of Columbia and $420/yr in Hawaii.

Which state has more uninsured drivers, District of Columbia or Hawaii?

District of Columbia has a higher uninsured driver rate at 10.6%, compared to 9.2% in Hawaii. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the District of Columbia 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.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

District of Columbia

Hawaii

Avg Annual Premium

$1,820

$1,270

Min Liability

$600

$420

Full Coverage

$1,820

$1,270

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

10.6%

9.2%

Registered Vehicles

565,800

1,193,920

Accidents/Year

8,487

17,908

Population

690,000

1,456,000