Cheap Hawaii Auto Insurance for 2026

Hawaii auto insurance is required for all residents of the island, but shopping for coverage can be confusing, and so can understanding auto insurance. We have everything you need to know about Hawaii car insurance laws and coverage right here.

To find affordable Hawaii auto insurance rates, you should shop around. Enter your ZIP code right now to compare Hawaii auto insurance quotes.

Hawaii Auto Insurance Requirements

Every driver in Hawaii is required to carry insurance to be on the road legally.

In Hawaii, the state liability coverage minimums are:

• Bodily Injury Liability Coverage – $20,000 per person
• Bodily Injury Liability Coverage – $40,000 per accident
• Property Damage Liability Coverage – $10,000 per accident

Take a look at how Hawaii’s minimum rates compare with surrounding states.

You are also required to carry Personal Injury Protection (PIP) of $10,000.

In addition to the coverage required by law, drivers in Hawaii can add several other coverage options to their car insurance. Optional coverage options in Hawaii include:

• Comprehensive Coverage
• Collision Coverage
• Rental Car Coverage
• Roadside Assistance / Towing Coverage
• Uninsured/Underinsured Motorist Bodily Injury Liability Coverage
• Uninsured Motorist Property Damage Liability Coverage

Hawaii is one of the few states that operate using a no-fault auto insurance system. In Hawaii’s version of this system, when an accident occurs the driver who caused it will be determined at fault, but claims will be made to your own insurance company as opposed to suing the at-fault driver and their insurance company. This tends to remove some of the complications involved with an accident, but does limit your ability to sue for damages.

Drivers in Hawaii must purchase auto liability insurance policies that reach a certain minimum before they will be allowed on the road. Personal injury protection insurance covers the insured driver and their passengers for any injury treatment, rehabilitation, or other costs that are incurred in an accident. If the other party caused the accident, PIP will usually kick in after the other party’s insurance coverage is exhausted (if you still have necessary costs). A minimum of $10,000 of PIP coverage is required.

Bodily injury liability works much like the above PIP coverage, except it’s intended to cover any parties in the other vehicles (or pedestrians) in the accident when you are at fault. For example, if you cause an accident and the other driver becomes injured, your BIL coverage will pay for their medical treatment and other costs. Drivers in Hawaii must have a minimum coverage of $20,000 per party, per accident, and $40,000 for all parties in a single accident.

Property damage liability insurance is the last coverage that is required for all Hawaiian drivers. This insurance covers any damage you cause to other cars or structures when you are at fault for an accident. The minimum amount of PDL coverage required in Hawaii is $10,000; this is somewhat low so if possible, try to bump it up.

Auto Insurance Rates In Hawaii

Hawaii is one of the least expensive states in the country to insure a vehicle, so if you live in Hawaii, consider yourself extra lucky. The average auto insurance premium across the state is $1140, which is about $300 per year lower than the national average of $1439.

Drivers in Honolulu pay a bit more, at $1225, which is the case for most drivers who live in higher-risk metropolitan areas. Those who live in Hilo pay just $1160 per year, on average.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. Hawaii is one of the few states that has outlawed charging different rates by gender, which means that factor won’t affect your rates (learn how age affects auto insurance rates).

With auto insurance rates this low, it definitely pays off to purchase supplemental coverage. If you have space in your budget, be sure to bump up your Hawaii auto insurance to higher coverage amounts.

Hawaii Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

But which companies are the largest, holding the most market share percentage in the region?

Hawaii Accident And Theft Stats

While Hawaii doesn’t report much in the way of annual crash statistics, they do publish data regarding traffic accidents and fatalities. Since 2006, annual traffic fatalities have been on the decline, dropping from 161 to just 109 fatalities in 2009. This drop is largely due to a huge push to get Hawaii’s drivers to buckle up. In the same time period, seat belt use rose by about 5%, thanks to a push by Hawaii’s law enforcement.

The data in Hawaii shows that more than half of the people who suffered fatal injuries in crashes weren’t wearing their seat belts; no matter where you are, it pays to buckle up.

The news is just as good when it comes to auto thefts. The number of vehicles reported stolen has dropped by more than half since 2002, with just 4,819 auto thefts in 2009. This is a huge drop. Installing anti-theft recovery systems in your car can also help keep your vehicle even safer in Hawaii.

With both the crash fatality rates and the auto theft rates dropping, drivers in Hawaii should continue to see their auto insurance premiums come down in overall cost.

Hawaii Auto Insurance Agents

If you’re looking for an insurance agent in Hawaii to help you find the best Hawaii auto insurance, take a look at the list below.

Hawaii Auto Insurance Agents

• Get Affordable Lahaina, HI Auto Insurance Quotes (2026)

Hawaii Auto Insurance Resources

The official sources listed below can help answer any additional questions you may have about driving and insurance in Hawaii.

• Motor Vehicle Insurance Information – From the department of insurance in Hawaii
• Motor Vehicle Information – Honolulu government DMV website
• Hawaii Insurance Department – Hawaii department of commerce and consumer affairs website
• Hawaii Highway Safety Laws – From the Governors Highway Safety Association

Ready to buy cheap Hawaii auto insurance today? Enter your ZIP code below to compare the cheapest Hawaii auto insurance quotes.

Best Auto Insurance in Hawaii

Find the top auto insurance options in Hawaii. Explore the finest auto insurance offerings with our local agents in Lahaina, HI, committed to providing you with policies that meet your needs. Benefit from competitive rates, tailored coverage, and the expertise of seasoned professionals in your community.