Hawaii vs Michigan Car Insurance

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

Quick Verdict

More Affordable

Hawaii is $1,430/yr cheaper on average.

Fewer Uninsured

Hawaii has a lower uninsured rate (9.2% vs 19.4%).

Rate & Coverage Comparison

Attribute	Hawaii	Michigan
Avg Annual Premium	$1,270	$2,700
Min Liability	$420	$890
Full Coverage	$1,270	$2,700
Fault System	No-Fault	No-Fault
Uninsured Rate	9.2%	19.4%
Registered Vehicles	1,193,920	8,263,139
Accidents/Year	17,908	123,947
Population	1,456,000	10,077,000

Minimum Coverage Requirements

Hawaii

20/40 / 10 liability

Michigan

50/100 / 10 liability

Premium Comparison

Hawaii$420 – $1,270

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

Michigan$890 – $2,700

Liability: $890Avg: $2,700Full: $2,700

HawaiiFull rates, age breakdown, requirements →MichiganFull 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 Michigan?

Hawaii has cheaper car insurance, with an average annual premium of $1,270 compared to $2,700 in Michigan - a difference of $1,430 per year.

How do Hawaii and Michigan compare on fault systems?

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

What are the minimum insurance requirements in Hawaii vs Michigan?

Hawaii requires 20/40 / 10 liability. Michigan requires 50/100 / 10 liability. Minimum liability costs $420/yr in Hawaii and $890/yr in Michigan.

Which state has more uninsured drivers, Hawaii or Michigan?

Michigan has a higher uninsured driver rate at 19.4%, compared to 9.2% in Hawaii. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Hawaii vs Michigan 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

Michigan

Avg Annual Premium

$1,270

$2,700

Min Liability

$420

$890

Full Coverage

$1,270

$2,700

Fault System

No-Fault

Uninsured Rate

9.2%

19.4%

Registered Vehicles

1,193,920

8,263,139

Accidents/Year

17,908

123,947

Population

1,456,000

10,077,000