Florida vs Hawaii Car Insurance

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

Quick Verdict

More Affordable

Hawaii is $1,230/yr cheaper on average.

Fewer Uninsured

Hawaii has a lower uninsured rate (9.2% vs 20.4%).

Rate & Coverage Comparison

Attribute	Florida	Hawaii
Avg Annual Premium	$2,500	$1,270
Min Liability	$820	$420
Full Coverage	$2,500	$1,270
Fault System	No-Fault	No-Fault
Uninsured Rate	20.4%	9.2%
Registered Vehicles	17,661,160	1,193,920
Accidents/Year	264,917	17,908
Population	21,538,000	1,456,000

Minimum Coverage Requirements

Florida

10/20 / 10 liability

Hawaii

20/40 / 10 liability

Premium Comparison

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

Hawaii$420 – $1,270

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

FloridaFull 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, Florida or Hawaii?

Hawaii has cheaper car insurance, with an average annual premium of $1,270 compared to $2,500 in Florida - a difference of $1,230 per year.

How do Florida and Hawaii compare on fault systems?

Florida uses a no-fault system while Hawaii uses a no-fault system. Both states use the same system.

What are the minimum insurance requirements in Florida vs Hawaii?

Florida requires 10/20 / 10 liability. Hawaii requires 20/40 / 10 liability. Minimum liability costs $820/yr in Florida and $420/yr in Hawaii.

Which state has more uninsured drivers, Florida or Hawaii?

Florida has a higher uninsured driver rate at 20.4%, compared to 9.2% in Hawaii. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Florida 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

Florida

Hawaii

Avg Annual Premium

$2,500

$1,270

Min Liability

$820

$420

Full Coverage

$2,500

$1,270

Fault System

No-Fault

Uninsured Rate

20.4%

9.2%

Registered Vehicles

17,661,160

1,193,920

Accidents/Year

264,917

17,908

Population

21,538,000

1,456,000