Hawaii vs Kansas Car Insurance

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

Quick Verdict

More Affordable

Hawaii is $420/yr cheaper on average.

Fewer Uninsured

Kansas has a lower uninsured rate (7.2% vs 9.2%).

Rate & Coverage Comparison

Attribute	Hawaii	Kansas
Avg Annual Premium	$1,270	$1,690
Min Liability	$420	$550
Full Coverage	$1,270	$1,690
Fault System	No-Fault	No-Fault
Uninsured Rate	9.2%	7.2%
Registered Vehicles	1,193,920	2,408,340
Accidents/Year	17,908	36,125
Population	1,456,000	2,937,000

Minimum Coverage Requirements

Hawaii

20/40 / 10 liability

Kansas

25/50 / 25 liability

Premium Comparison

Hawaii$420 – $1,270

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

Kansas$550 – $1,690

Liability: $550Avg: $1,690Full: $1,690

HawaiiFull rates, age breakdown, requirements →KansasFull 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 Kansas?

Hawaii has cheaper car insurance, with an average annual premium of $1,270 compared to $1,690 in Kansas - a difference of $420 per year.

How do Hawaii and Kansas compare on fault systems?

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

What are the minimum insurance requirements in Hawaii vs Kansas?

Hawaii requires 20/40 / 10 liability. Kansas requires 25/50 / 25 liability. Minimum liability costs $420/yr in Hawaii and $550/yr in Kansas.

Which state has more uninsured drivers, Hawaii or Kansas?

Hawaii has a higher uninsured driver rate at 9.2%, compared to 7.2% in Kansas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Hawaii vs Kansas 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

Kansas

Avg Annual Premium

$1,270

$1,690

Min Liability

$420

$550

Full Coverage

$1,270

$1,690

Fault System

No-Fault

Uninsured Rate

9.2%

7.2%

Registered Vehicles

1,193,920

2,408,340

Accidents/Year

17,908

36,125

Population

1,456,000

2,937,000