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Auto insurance rates, minimum coverage requirements, and driver statistics for Hawaii (HI).
Avg Annual Premium
$1,270
$456 below national avg
Cost Rank
#47
of 51 (most expensive first)
Fault System
No-Fault
Tort-based
Uninsured Rate
9.2%
of drivers
Min Liability
$420/yr
Legal minimum
Average Premium
$1,270/yr
State average
Full Coverage
$1,270/yr
Comprehensive + Collision
Hawaii requires:
20/40 / 10 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $3,429 | $3,874 | $2,984 |
| 20-25 | $2,286 | $2,540 | $2,032 |
| 26-35 | $1,397 | $1,460 | $1,334 |
| 36-45 | $1,270 | $1,295 | $1,245 |
| 46-55 | $1,206 | $1,232 | $1,181 |
| 56-65 | $1,168 | $1,194 | $1,143 |
| 65+ | $1,334 | $1,372 | $1,295 |
Rates shown are annual averages for each age group in Hawaii. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Hawaii | National Avg |
|---|---|---|
| Average Annual Premium | $1,270 | $1,726 |
| Uninsured Rate | 9.2% | 11.1% |
| Registered Vehicles | 1,193,920 | 5,330,804 |
| Accidents per Year | 17,908 | 79,962 |
Population
1,456,000
Registered Vehicles
1,193,920
Accidents per Year
17,908
Vehicles per Capita
0.82
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.
Read our full methodology or contact us with corrections.