Cheap Auto Insurance in Hawaii

Compare car insurance across Hawaii — pick your city or ZIP for local rates, or get free quotes now.

Short answer: car insurance in Hawaii depends on your ZIP code, coverage level and driver/home profile. Hawaii's state minimum car insurance is 20/40/10. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in Hawaii is about $888 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026

Hawaii car insurance basics
Hawaii is a no-fault state for auto insurance. Minimum car insurance in Hawaii: 20/40/10 — $20k bodily injury/person, $40k/accident, $10k property damage. Statewide average premium: ~$888/yr (NAIC, 2023). Verify with the state insurance department →

Cities in Hawaii

Honolulu, HI

Hawaii car insurance FAQ

How much is car insurance in Hawaii?

The average annual car insurance premium in Hawaii is about $888 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.

How do I get cheap car insurance in Hawaii?

Compare multiple carriers, bundle policies, and check local Hawaii discounts. Get free quotes in a couple of minutes.

Also compare home insurance in Hawaii →