Hawaii vs Vermont Car Insurance

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

Quick Verdict

More Affordable

Vermont is $270/yr cheaper on average.

Fewer Uninsured

Vermont has a lower uninsured rate (6.8% vs 9.2%).

Rate & Coverage Comparison

Attribute	Hawaii	Vermont
Avg Annual Premium	$1,270	$1,000
Min Liability	$420	$330
Full Coverage	$1,270	$1,000
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	9.2%	6.8%
Registered Vehicles	1,193,920	527,260
Accidents/Year	17,908	7,908
Population	1,456,000	643,000

Minimum Coverage Requirements

Hawaii

20/40 / 10 liability

Vermont

25/50 / 10 liability

Premium Comparison

Hawaii$420 – $1,270

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

Vermont$330 – $1,000

Liability: $330Avg: $1,000Full: $1,000

HawaiiFull rates, age breakdown, requirements →VermontFull 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 Vermont?

Vermont has cheaper car insurance, with an average annual premium of $1,000 compared to $1,270 in Hawaii - a difference of $270 per year.

How do Hawaii and Vermont compare on fault systems?

Hawaii uses a no-fault system while Vermont 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 Vermont?

Hawaii requires 20/40 / 10 liability. Vermont requires 25/50 / 10 liability. Minimum liability costs $420/yr in Hawaii and $330/yr in Vermont.

Which state has more uninsured drivers, Hawaii or Vermont?

Hawaii has a higher uninsured driver rate at 9.2%, compared to 6.8% in Vermont. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Hawaii vs Vermont 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

Vermont

Avg Annual Premium

$1,270

$1,000

Min Liability

$420

$330

Full Coverage

$1,270

$1,000

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

9.2%

6.8%

Registered Vehicles

1,193,920

527,260

Accidents/Year

17,908

7,908

Population

1,456,000

643,000