Hawaii vs Wyoming Car Insurance

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

Quick Verdict

More Affordable

Hawaii is $160/yr cheaper on average.

Fewer Uninsured

Wyoming has a lower uninsured rate (5.8% vs 9.2%).

Rate & Coverage Comparison

Attribute	Hawaii	Wyoming
Avg Annual Premium	$1,270	$1,430
Min Liability	$420	$470
Full Coverage	$1,270	$1,430
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	9.2%	5.8%
Registered Vehicles	1,193,920	473,140
Accidents/Year	17,908	7,097
Population	1,456,000	577,000

Minimum Coverage Requirements

Hawaii

20/40 / 10 liability

Wyoming

25/50 / 20 liability

Premium Comparison

Hawaii$420 – $1,270

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

Wyoming$470 – $1,430

Liability: $470Avg: $1,430Full: $1,430

HawaiiFull rates, age breakdown, requirements →WyomingFull 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 Wyoming?

Hawaii has cheaper car insurance, with an average annual premium of $1,270 compared to $1,430 in Wyoming - a difference of $160 per year.

How do Hawaii and Wyoming compare on fault systems?

Hawaii uses a no-fault system while Wyoming 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 Wyoming?

Hawaii requires 20/40 / 10 liability. Wyoming requires 25/50 / 20 liability. Minimum liability costs $420/yr in Hawaii and $470/yr in Wyoming.

Which state has more uninsured drivers, Hawaii or Wyoming?

Hawaii has a higher uninsured driver rate at 9.2%, compared to 5.8% in Wyoming. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Hawaii vs Wyoming 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

Wyoming

Avg Annual Premium

$1,270

$1,430

Min Liability

$420

$470

Full Coverage

$1,270

$1,430

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

9.2%

5.8%

Registered Vehicles

1,193,920

473,140

Accidents/Year

17,908

7,097

Population

1,456,000

577,000