Hawaii vs New York Car Insurance

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

Quick Verdict

More Affordable

Hawaii is $1,050/yr cheaper on average.

Fewer Uninsured

New York has a lower uninsured rate (6.1% vs 9.2%).

Rate & Coverage Comparison

Attribute	Hawaii	New York
Avg Annual Premium	$1,270	$2,320
Min Liability	$420	$760
Full Coverage	$1,270	$2,320
Fault System	No-Fault	No-Fault
Uninsured Rate	9.2%	6.1%
Registered Vehicles	1,193,920	16,564,819
Accidents/Year	17,908	248,472
Population	1,456,000	20,201,000

Minimum Coverage Requirements

Hawaii

20/40 / 10 liability

New York

25/50 / 10 liability

Premium Comparison

Hawaii$420 – $1,270

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

New York$760 – $2,320

Liability: $760Avg: $2,320Full: $2,320

HawaiiFull rates, age breakdown, requirements →New YorkFull 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 New York?

Hawaii has cheaper car insurance, with an average annual premium of $1,270 compared to $2,320 in New York - a difference of $1,050 per year.

How do Hawaii and New York compare on fault systems?

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

What are the minimum insurance requirements in Hawaii vs New York?

Hawaii requires 20/40 / 10 liability. New York requires 25/50 / 10 liability. Minimum liability costs $420/yr in Hawaii and $760/yr in New York.

Which state has more uninsured drivers, Hawaii or New York?

Hawaii has a higher uninsured driver rate at 9.2%, compared to 6.1% in New York. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Hawaii vs New York 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

New York

Avg Annual Premium

$1,270

$2,320

Min Liability

$420

$760

Full Coverage

$1,270

$2,320

Fault System

No-Fault

Uninsured Rate

9.2%

6.1%

Registered Vehicles

1,193,920

16,564,819

Accidents/Year

17,908

248,472

Population

1,456,000

20,201,000