Hawaii vs Idaho Car Insurance

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

Quick Verdict

More Affordable

Idaho is $170/yr cheaper on average.

Fewer Uninsured

Idaho has a lower uninsured rate (7.4% vs 9.2%).

Rate & Coverage Comparison

Attribute	Hawaii	Idaho
Avg Annual Premium	$1,270	$1,100
Min Liability	$420	$360
Full Coverage	$1,270	$1,100
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	9.2%	7.4%
Registered Vehicles	1,193,920	1,558,000
Accidents/Year	17,908	23,370
Population	1,456,000	1,900,000

Minimum Coverage Requirements

Hawaii

20/40 / 10 liability

Idaho

25/50 / 15 liability

Premium Comparison

Hawaii$420 – $1,270

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

Idaho$360 – $1,100

Liability: $360Avg: $1,100Full: $1,100

HawaiiFull rates, age breakdown, requirements →IdahoFull 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, Hawaii or Idaho?

Idaho has cheaper car insurance, with an average annual premium of $1,100 compared to $1,270 in Hawaii - a difference of $170 per year.

How do Hawaii and Idaho compare on fault systems?

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

What are the minimum insurance requirements in Hawaii vs Idaho?

Hawaii requires 20/40 / 10 liability. Idaho requires 25/50 / 15 liability. Minimum liability costs $420/yr in Hawaii and $360/yr in Idaho.

Which state has more uninsured drivers, Hawaii or Idaho?

Hawaii has a higher uninsured driver rate at 9.2%, compared to 7.4% in Idaho. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Hawaii vs Idaho 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

Hawaii

Idaho

Avg Annual Premium

$1,270

$1,100

Min Liability

$420

$360

Full Coverage

$1,270

$1,100

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

9.2%

7.4%

Registered Vehicles

1,193,920

1,558,000

Accidents/Year

17,908

23,370

Population

1,456,000

1,900,000