Hawaii Car Insurance Cost for 2025

How much does it cost to insure a car in Hawaii? We compare average annual and monthly insurance rates and reveal the vehicles with the cheapest car insurance quotes in Hawaii.

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How much does Hawaii car insurance cost?

Average Hawaii car insurance cost is $1,922 per year, which is 14.4% less expensive than the average U.S. rate of $2,221 per year.

When pricing car insurance, two variables that affect the overall cost are driver age and policy deductibles. The chart below shows the cost of car insurance in Hawaii when averaged for all 2024 models. Average cost is broken down for drivers from age 20 to age 60 and also for three different physical damage deductible amounts.

Average full-coverage car insurance premium in Hawaii for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Hawaii for different ages of drivers. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Hawaii Zip Codes.

Average Car Insurance Cost in Hawaii
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,274$273
$500$3,868$322
$250$4,498$375
30$1,000$1,716$143
$500$2,048$171
$250$2,394$200
40$1,000$1,618$135
$500$1,922$160
$250$2,242$187
50$1,000$1,438$120
$500$1,702$142
$250$1,978$165
60$1,000$1,346$112
$500$1,594$133
$250$1,850$154

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Hawaii Zip Codes. Updated June 26, 2025

The average rate in the chart we use for our comparisons is for a 40-year-old driver with $500 policy deductibles. In the case of Hawaii, this average rate is $1,922 per year for the average 2024 model year vehicle.

Average rates are great for state-to-state comparisons, or comparisons of two or more different vehicle segments in the same state. But when it comes to Hawaii car insurance, being more specific with a make and model will result in better comparisons.

The list below takes the top 10 most popular vehicles sold in Hawaii and details the annual and monthly average cost to insure them. Rates for this example range from as low as $136 per month for the Honda CR-V up to $188 per month for the Tesla Model 3.

  1. Toyota Tacoma – $1,944 per year ($162 per month)
  2. Toyota 4Runner – $2,062 per year ($172 per month)
  3. Toyota RAV4 – $1,774 per year ($148 per month)
  4. Toyota Corolla – $1,872 per year ($156 per month)
  5. Honda CR-V – $1,636 per year ($136 per month)
  6. Honda Civic – $1,702 per year ($142 per month)
  7. Tesla Model 3 – $2,256 per year ($188 per month)
  8. Toyota Camry – $2,064 per year ($172 per month)
  9. Ford F-150 – $2,150 per year ($179 per month)
  10. Chevy Silverado – $2,124 per year ($177 per month)

The most popular vehicles in Hawaii are not always the cheapest to insure as we will find out later in this article. But first, let’s see how Hawaii car insurance rates compare to the rest of the U.S. and more specifically to the West region states like California, Oregon, and Washington.

Is Hawaii car insurance expensive?

Buying car insurance in Hawaii is actually quite affordable, unlike many other consumer products. Hawaii ranks sixth out of all 50 U.S. states, with an average annual cost of $1,922 per year.

The overall U.S. average cost of car insurance is $2,221, so the average annual cost in Hawaii is 14.4% cheaper.

When compared to Western coastal states, Hawaii car insurance quotes are 6.5% cheaper than Alaska, 18.1% cheaper than Washington, 20.5% cheaper than Oregon, and 38.6% cheaper than California.

When compared to some of the inland West region states, the cost of car insurance in Hawaii is 2.7% cheaper than Idaho, 37.9% cheaper than Nevada, 16.3% cheaper than Utah, and 17% cheaper than Wyoming.

The chart below compares the cost of Hawaii car insurance to all other West region U.S. states. Hawaii ranks first out of the 11 Western states at an average annual car insurance cost of $1,922 per year.

Average cost of car insurance in Hawaii compared to other West region states.
Figure 2: Average cost of car insurance in Hawaii compared to other West region states. Rates updated on June 26, 2025.
Average Car Insurance Cost in Hawaii Compared to West Region
West Region States Average Annual Premium Cost Difference
Hawaii$1,922--
Idaho$1,974$52
Alaska$2,052$130
Utah$2,262$340
Wyoming$2,280$358
Washington$2,304$382
Montana$2,330$408
Oregon$2,360$438
Colorado$2,602$680
Nevada$2,820$898
California$2,842$920

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Hawaii Zip Codes. Updated June 26, 2025

Hawaii has pretty good car insurance rates when compared to the West region, but how does it fare when compared to states in other parts of the country?

Hawaii car insurance rates are 19.1% cheaper than Arizona, 14.7% cheaper than Minnesota, 35.6% cheaper than Florida, 35.5% cheaper than New York, and 20% cheaper than Texas.

Here’s a real-world example that compares average car insurance cost for a Toyota Tacoma in Hawaii compared to some other states. As our baseline, average car insurance cost on a 2024 Toyota Tacoma in Hawaii is $1,944 per year. When compared to other states, the cost in Hawaii is:

  • $934 per year cheaper than in California ($2,878)
  • $446 per year cheaper than in Oregon ($2,390)
  • $390 per year cheaper than in Washington ($2,334)
  • $414 per year cheaper than in Arizona ($2,358)
  • $910 per year cheaper than in Nevada ($2,854)

What kind of vehicle is cheap to insure in Hawaii?

The most popular vehicles in Hawaii also happen to be some of the cheapest to insure. Models like the Toyota Tacoma and Honda CR-V have some of the best car insurance rates in the state.

Compact SUVs and midsize pickups are very popular in the Aloha state, and those are the two vehicle segments with the cheapest overall car insurance quotes in Hawaii.

Other popular models with affordable insurance rates include the Kia Soul, Honda Passport, Toyota Corolla Cross, Mazda CX-5, and Volkswagen Tiguan.

The chart below summarizes annual car insurance cost in Hawaii for each of the different vehicle segments. Rates range from around $1,700 per year for compact SUVs up to over $2,600 per year for sports cars and over $3,000 per year for large luxury models.

Car insurance average cost by automotive segment in Hawaii.
Figure 3: Car insurance average cost by automotive segment in Hawaii. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Hawaii Zip Codes.

Car Insurance Rates by Automotive Segment in Hawaii
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,766$147
Midsize SUV$1,896$158
Compact Car$1,896$158
Minivan$1,900$158
Midsize Pickup$1,938$162
Midsize Car$1,958$163
Compact Luxury SUV$2,082$174
Compact Luxury Car$2,114$176
Large SUV$2,120$177
Half-ton Pickup$2,130$178
Heavy Duty Pickup$2,208$184
Midsize Luxury SUV$2,282$190
Midsize Luxury Car$2,356$196
Sports Car$2,642$220
Large Car$2,762$230
Large Luxury SUV$2,974$248
Large Luxury Car$3,074$256

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Hawaii Zip Codes. Updated June 27, 2025

Average car insurance rates by vehicle segment can get you started in the right direction if your goal is just finding a vehicle with cheap auto insurance rates. But the list below shows you exactly which model has the cheapest rates in each individual automotive segment.

Each of the models listed above link to a more detailed breakdown of car insurance rates for that specific vehicle. It’s important to note that rates vary considerably even within a single model, as lower-end trim levels generally cost less to insure than high-end trim levels.

Which models have the cheapest Hawaii car insurance?

For rock-bottom cheap car insurance in Hawaii, drivers of a Subaru Crosstrek, Chevrolet Trailblazer, or Kia Soul are going to be paying the best insurance rates.

Other models that rank very well for affordable insurance are the Nissan Kicks, Honda Passport, Buick Envision, Toyota Corolla Cross, Hyundai Venue, and Mazda CX-5. And good news for owners of the popular Toyota Tacoma, the Taco ranks in the top 50 at a very respectable annual cost to insure of $1,944.

If you want to save money on car insurance, you probably want to be driving a smaller SUV. Large SUVs like a Chevy Suburban or Ford Expedition don’t make the cut, however, as the annual average cost of insurance for those models is $1,906 and $2,070, respectively.

The next table ranks the 50 cheapest vehicles to insure in Hawaii for the 2024 model year. For more detailed rate information including rates for older models or rates for different trim levels, each model name is linked to the respective detail page.

Top 50 Vehicles for Cheap Car Insurance in Hawaii
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,420$118
2Chevrolet Trailblazer$1,442$120
3Kia Soul$1,498$125
4Nissan Kicks$1,514$126
5Honda Passport$1,530$128
6Buick Envision$1,540$128
7Toyota Corolla Cross$1,548$129
8Hyundai Venue$1,562$130
9Mazda CX-5$1,568$131
10Ford Bronco Sport$1,572$131
11Volkswagen Tiguan$1,592$133
12Acura RDX$1,608$134
13Nissan Murano$1,612$134
14Buick Encore$1,630$136
15Honda CR-V$1,636$136
16Subaru Outback$1,636$136
17Buick Envista$1,644$137
18Volkswagen Taos$1,646$137
19Kia Niro$1,652$138
20Toyota GR Corolla$1,670$139
21Honda HR-V$1,672$139
22Subaru Ascent$1,672$139
23Nissan Leaf$1,682$140
24Chevrolet Colorado$1,692$141
25Honda Civic$1,702$142
26Lexus NX 250$1,702$142
27Volkswagen Atlas$1,704$142
28Acura Integra$1,706$142
29Subaru Forester$1,710$143
30Volkswagen Atlas Cross Sport$1,712$143
31Kia Seltos$1,716$143
32GMC Terrain$1,718$143
33Nissan Rogue$1,726$144
34Hyundai Kona$1,728$144
35Cadillac XT4$1,734$145
36Mazda CX-30$1,734$145
37Ford Explorer$1,742$145
38Volkswagen ID4$1,742$145
39Toyota Highlander$1,748$146
40Ford Escape$1,754$146
41Toyota Venza$1,754$146
42Honda Odyssey$1,756$146
43Nissan Sentra$1,760$147
44Subaru Impreza$1,766$147
45Chevrolet Equinox$1,770$148
46Toyota RAV4$1,774$148
47Mazda MX-5 Miata$1,776$148
48Mazda MX-30$1,782$149
49Hyundai Tucson$1,786$149
50Chevrolet Traverse$1,794$150

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hawaii Zip Codes. Updated June 27, 2025

Top 50 cheapest vehicles to insure in Hawaii with the Subaru Crosstrek ranking first at $1,420 per year
Top 50 cheapest vehicles to insure in Hawaii with the Subaru Crosstrek ranking first at $1,420 per year

At the start of the article, we detailed annual and monthly average car insurance cost in Hawaii for the ten most popular vehicles.

There is a lot that goes into car insurance rates, and in this section we take the top five vehicles and go into more detail into the variability of car insurance cost.

For each of the top five most popular vehicles in Hawaii, we break out average rates for different driver ages and risk profiles. This should help illustrate that the actual range of car insurance is pretty significant, and enforce the importance of getting car insurance quotes from as many companies as possible.

Hawaiians like their Toyotas, and four of the top five vehicles come from the Japanese manufacturer. The detailed profiles below are for the Toyota Tacoma, Toyota 4Runner, Toyota RAV4, Toyota Corolla, and Honda CR-V.

Toyota Tacoma insurance rates

Toyota Tacoma insurance in Hawaii costs an average of $1,944 per year and ranges from $1,614 to $4,504 per year for the sample driver risk profiles shown in the chart below.

The Toyota Tacoma is considered a midsize truck, and other popular models include the Chevrolet Colorado, Ford Ranger, Honda Ridgeline, Nissan Frontier, and GMC Canyon.

Average 2024 Toyota Tacoma insurance premiums in Hawaii for different driver ages and risk scenarios.
Figure 4: Average 2024 Toyota Tacoma insurance premiums in Hawaii for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Tacoma with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Tacoma car insurance cost in Hawaii includes all Zip Codes and vehicle trim levels.

2024 Toyota Tacoma Insurance Cost in Hawaii
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,504$375
Safe Driver Age 20$3,934$328
At-fault Accidents Age 40$2,778$232
Low Deductibles Age 40$2,500$208
Safe Driver Age 30$2,068$172
Safe Driver Age 40$1,944$162
Safe Driver Age 50$1,732$144
High Deductibles Age 40$1,658$138
Safe Driver Age 60$1,618$135
Discount Rate Age 40$1,614$135

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Tacoma trim levels. Updated June 27, 2025

Toyota 4Runner insurance rates

Toyota 4Runner car insurance rates in Hawaii range from $1,706 to $4,792 per year for the driver profiles in the chart below. Toyota 4Runner insurance costs an average of $2,062 per year or $172 per month in Hawaii.

The Toyota 4Runner is considered a midsize SUV, and other models in this segment include the Kia Sorento, Kia Telluride, Toyota Highlander, Ford Explorer, and Ford Edge.

Average 2024 Toyota 4Runner insurance premiums in Hawaii for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota 4Runner insurance premiums in Hawaii for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota 4Runner with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota 4Runner car insurance cost in Hawaii includes all Zip Codes and vehicle trim levels.

2024 Toyota 4Runner Insurance Cost in Hawaii
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,792$399
Safe Driver Age 20$4,188$349
At-fault Accidents Age 40$2,952$246
Low Deductibles Age 40$2,632$219
Safe Driver Age 30$2,186$182
Safe Driver Age 40$2,062$172
Safe Driver Age 50$1,834$153
High Deductibles Age 40$1,766$147
Safe Driver Age 60$1,718$143
Discount Rate Age 40$1,706$142

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota 4Runner trim levels. Updated June 26, 2025

Toyota RAV4 insurance rates

The chart below shows average Toyota RAV4 insurance rates in Hawaii for different driver ages and risk profiles. Annual cost ranges from $1,470 to $4,074 per year for the example driver risk profiles, with average cost being $1,774 per year.

The Toyota RAV4 is a compact SUV and other similar models include the Honda CR-V, Nissan Rogue, Mazda CX-5, Ford Escape, and Chevrolet Equinox.

Average 2024 Toyota RAV4 insurance premiums in Hawaii for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota RAV4 insurance premiums in Hawaii for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota RAV4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota RAV4 car insurance cost in Hawaii includes all Zip Codes and vehicle trim levels.

2024 Toyota RAV4 Insurance Cost in Hawaii
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,074$340
Safe Driver Age 20$3,562$297
At-fault Accidents Age 40$2,516$210
Low Deductibles Age 40$2,294$191
Safe Driver Age 30$1,886$157
Safe Driver Age 40$1,774$148
Safe Driver Age 50$1,572$131
High Deductibles Age 40$1,504$125
Safe Driver Age 60$1,472$123
Discount Rate Age 40$1,470$123

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota RAV4 trim levels. Updated June 26, 2025

Toyota Corolla insurance rates

Toyota Corolla insurance in Hawaii costs an average of $1,872 per year and ranges from $1,550 to $4,290 per year for the sample driver risk profiles shown in the chart below.

The Toyota Corolla is considered a compact car, and other popular models include the Volkswagen Jetta, Nissan Sentra, Honda Civic, Hyundai Elantra, and Chevrolet Cruze.

Average 2024 Toyota Corolla insurance premiums in Hawaii for different driver ages and risk scenarios.
Figure 7: Average 2024 Toyota Corolla insurance premiums in Hawaii for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Hawaii includes all Zip Codes and vehicle trim levels.

2024 Toyota Corolla Insurance Cost in Hawaii
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,290$358
Safe Driver Age 20$3,746$312
At-fault Accidents Age 40$2,656$221
Low Deductibles Age 40$2,402$200
Safe Driver Age 30$1,988$166
Safe Driver Age 40$1,872$156
Safe Driver Age 50$1,668$139
High Deductibles Age 40$1,598$133
Safe Driver Age 60$1,556$130
Discount Rate Age 40$1,550$129

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated June 26, 2025

Honda CR-V insurance rates

Honda CR-V car insurance rates in Hawaii range from $1,362 to $3,766 per year for the driver profiles in the chart below. Honda CR-V insurance costs an average of $1,636 per year or $136 per month in Hawaii.

The Honda CR-V belongs to the compact SUV segment, and other popular models include the Ford Escape, Nissan Rogue, Toyota RAV4, Chevrolet Equinox, and Subaru Forester.

Average 2024 Honda CR-V insurance premiums in Hawaii for different driver ages and risk scenarios.
Figure 8: Average 2024 Honda CR-V insurance premiums in Hawaii for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Hawaii includes all Zip Codes and vehicle trim levels.

2024 Honda CR-V Insurance Cost in Hawaii
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,766$314
Safe Driver Age 20$3,294$275
At-fault Accidents Age 40$2,316$193
Low Deductibles Age 40$2,134$178
Safe Driver Age 30$1,746$146
Safe Driver Age 40$1,636$136
Safe Driver Age 50$1,454$121
High Deductibles Age 40$1,382$115
Safe Driver Age 60$1,362$114
Discount Rate Age 40$1,362$114

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 27, 2025

Hawaii car insurance cost by city

Listed below are some of the larger cities in the state of Hawaii and the average car insurance costs for each one. Visit any city page to view detailed information, including average cost by segment, rates for different driver risk profiles, and the rankings of the vehicles with the cheapest car insurance quotes in each city.