Hawaii Car Insurance Cost for 2021

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 $1,204 per year, which is 20.9% less than the average U.S. rate of $1,523 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 2021 models. Average cost is broken down for drivers from age 20 to age 60 and also for three different physical damage deductible amounts.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Hawaii car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Hawaii zip codes.
Average Hawaii Car Insurance Cost by Driver Age and Deductible
Average Car Insurance Cost in Hawaii
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,028$169
$500$2,392$199
$250$2,776$231
30$1,000$1,066$89
$500$1,268$106
$250$1,480$123
40$1,000$1,018$85
$500$1,204$100
$250$1,398$117
50$1,000$928$77
$500$1,096$91
$250$1,270$106
60$1,000$910$76
$500$1,076$90
$250$1,246$104

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 $1,204 per year for the average 2021 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 $76 per month for the Honda CR-V up to $115 per month for the Tesla Model 3.

  1. Toyota Tacoma – $1,018 per year ($85 per month)
  2. Toyota 4Runner – $1,146 per year ($96 per month)
  3. Toyota RAV4 – $1,156 per year ($96 per month)
  4. Toyota Corolla – $1,044 per year ($87 per month)
  5. Honda CR-V – $906 per year ($76 per month)
  6. Honda Civic – $1,130 per year ($94 per month)
  7. Tesla Model 3 – $1,376 per year ($115 per month)
  8. Toyota Camry – $1,206 per year ($101 per month)
  9. Ford F-150 – $1,148 per year ($96 per month)
  10. Chevy Silverado – $1,258 per year ($105 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 16th out of all 50 U.S. states, with an average annual cost of $1,204 per year.

The overall U.S. average cost of car insurance is $1,523, so the average annual cost in Hawaii is 26.5% cheaper.

When compared to Western coastal states, Hawaii car insurance quotes are 1% more expensive than Alaska, 0.7% more expensive than Washington, 10.3% cheaper than Oregon, and 28.2% cheaper than California.

When compared to some of the inland West region states, the cost of car insurance in Hawaii is 18.5% more expensive than Idaho, 29.1% cheaper than Nevada, 2.9% cheaper than Utah, and 10.8% cheaper than Wyoming.

The chart below compares the cost of Hawaii car insurance to all other West region U.S. states. Hawaii ranks fourth out of the 11 Western states at an average annual car insurance cost of $1,204 per year.

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Hawaii Car Insurance Cost Compared to West Region
Average Car Insurance Cost in Hawaii Compared to West Region
West Region States Average Insurance Cost Annual Difference
Idaho$1,016-$188
Alaska$1,192-$12
Washington$1,196-$8
Hawaii$1,204--
Utah$1,240$36
Oregon$1,342$138
Wyoming$1,350$146
Montana$1,392$188
Colorado$1,620$416
California$1,676$472
Nevada$1,698$494

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 12.1% cheaper than Arizona, 10.5% cheaper than Minnesota, 41.2% cheaper than Florida, 28.4% cheaper than New York, and 18.2% 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 2021 Toyota Tacoma in Hawaii is $1,018 per year. When compared to other states, the cost in Hawaii is:

  • $398 per year cheaper than in California ($1,416)
  • $112 per year cheaper than in Oregon ($1,130)
  • $12 per year more expensive than in Washington ($1,006)
  • $138 per year cheaper than in Arizona ($1,156)
  • $414 per year cheaper than in Nevada ($1,432)

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 Subaru Forester, Volkswagen Golf, Mazda 6, Ford Edge, Toyota Sequoia, and Ford F-150.

The chart below summarizes annual car insurance cost in Hawaii for each of the different vehicle segments. Rates range from under $1,100 per year for compact SUVs up to over $1,750 per year for sports cars and over $1,850 per year for large luxury models.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Hawaii car insurance cost by segment is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Hawaii Zip Codes.
Hawaii Car Insurance Rates by Vehicle Segment
Hawaii Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,086$91
Midsize Truck$1,096$91
Large Van$1,098$92
Midsize Minivan$1,118$93
Midsize SUV$1,174$98
Midsize Van$1,184$99
Small Car$1,210$101
Large Truck$1,218$102
Midsize Car$1,232$103
Large SUV$1,246$104
Small Luxury SUV$1,264$105
Large Car$1,310$109
Heavy Duty Truck$1,354$113
Midsize Luxury SUV$1,356$113
Small Luxury Car$1,400$117
Midsize Luxury Car$1,596$133
Large Luxury SUV$1,622$135
Sports Car$1,756$146
Large Luxury Car$1,860$155
Exotic Car$2,474$206

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 Subaru Foresters, Honda CR-Vs, Ram Promaster City vans, and Mazda CX-3s are going to be paying the best rates.

Other models that rank very well for affordable insurance are the Kia Sportage, Toyota C-HR, Ford Edge, Volkswagen Golf, Mazda CX-5, and Subaru Crosstrek. And good news for owners of the popular Toyota Tacoma, the Taco ranks high on the list at a very respectable annual cost to insure of $1,018.

All these models are either compact or midsize SUVs, so that goes to show that 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 $1,308 and $1,250, respectively.

The next table ranks the 50 cheapest vehicles to insure in Hawaii for the 2021 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 Cost Monthly Cost
1Subaru Forester$894$75
2Honda CR-V$906$76
3Ram Promaster City$940$78
4Mazda CX-3$946$79
5Kia Sportage$954$80
6Toyota C-HR$954$80
7Ford Edge$958$80
8Volkswagen Golf$960$80
9Mazda CX-5$972$81
10Subaru Crosstrek$982$82
11Chevrolet Spark$990$83
12Volvo XC40$994$83
13Hyundai Venue$998$83
14Volkswagen Atlas$1,008$84
15Hyundai Kona$1,012$84
16Kia Soul$1,012$84
17Subaru Impreza$1,012$84
18Kia Telluride$1,016$85
19Chevrolet Blazer$1,018$85
20Toyota Tacoma$1,018$85
21Kia Sedona$1,020$85
22Jeep Compass$1,022$85
23Subaru Outback$1,022$85
24Chevrolet Colorado$1,024$85
25Honda Passport$1,024$85
26Mazda CX-30$1,024$85
27Nissan Kicks$1,024$85
28Kia Rio5$1,026$86
29Mitsubishi Eclipse Cross$1,026$86
30Subaru Ascent$1,026$86
31Ford Escape$1,028$86
32Hyundai Tucson$1,030$86
33Acura RDX$1,038$87
34Nissan Frontier$1,038$87
35Volkswagen Tiguan$1,038$87
36Honda Pilot$1,040$87
37Toyota Corolla$1,044$87
38Ford Ecosport$1,046$87
39Buick Envision$1,052$88
40Kia Seltos$1,054$88
41Nissan Rogue Sport$1,062$89
42Chevrolet Trailblazer$1,068$89
43Chevrolet Trax$1,068$89
44Cadillac XT4$1,072$89
45Buick Encore$1,076$90
46Chevrolet Express$1,082$90
47Jeep Renegade$1,082$90
48Nissan Rogue$1,084$90
49Chevrolet Equinox$1,088$91
50Nissan Murano$1,088$91

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Hawaii.
    Top 50 Vehicles for Cheap Car Insurance in Hawaii

    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 $1,018 per year and ranges from $846 to $2,290 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Toyota Tacoma Insurance Cost in Hawaii
    Toyota Tacoma Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,290$191
    Safe Driver Age 20$2,008$167
    At-fault Accidents Age 40$1,422$119
    Low Deductibles Age 40$1,332$111
    Safe Driver Age 30$1,072$89
    Safe Driver Age 40$1,018$85
    Safe Driver Age 50$924$77
    Safe Driver Age 60$906$76
    High Deductibles Age 40$852$71
    Discount Rate Age 40$846$71

    Toyota 4Runner insurance rates

    Toyota 4Runner car insurance rates in Hawaii range from $952 to $2,602 per year for the driver profiles in the chart below. Toyota 4Runner insurance costs an average of $1,146 per year or $96 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Toyota 4Runner Insurance Cost in Hawaii
    Toyota 4Runner Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,602$217
    Safe Driver Age 20$2,280$190
    At-fault Accidents Age 40$1,622$135
    Low Deductibles Age 40$1,476$123
    Safe Driver Age 30$1,204$100
    Safe Driver Age 40$1,146$96
    Safe Driver Age 50$1,046$87
    Safe Driver Age 60$1,028$86
    High Deductibles Age 40$976$81
    Discount Rate Age 40$952$79

    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 $962 to $2,628 per year for the example driver risk profiles, with average cost being $1,156 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Toyota RAV4 Insurance Cost in Hawaii
    Toyota RAV4 Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,628$219
    Safe Driver Age 20$2,304$192
    At-fault Accidents Age 40$1,638$137
    Low Deductibles Age 40$1,492$124
    Safe Driver Age 30$1,216$101
    Safe Driver Age 40$1,156$96
    Safe Driver Age 50$1,058$88
    Safe Driver Age 60$1,038$87
    High Deductibles Age 40$986$82
    Discount Rate Age 40$962$80

    Toyota Corolla insurance rates

    Toyota Corolla insurance in Hawaii costs an average of $1,044 per year and ranges from $868 to $2,364 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Toyota Corolla Insurance Cost in Hawaii
    Toyota Corolla Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,364$197
    Safe Driver Age 20$2,070$173
    At-fault Accidents Age 40$1,472$123
    Low Deductibles Age 40$1,352$113
    Safe Driver Age 30$1,100$92
    Safe Driver Age 40$1,044$87
    Safe Driver Age 50$950$79
    Safe Driver Age 60$934$78
    High Deductibles Age 40$884$74
    Discount Rate Age 40$868$72

    Honda CR-V insurance rates

    Honda CR-V car insurance rates in Hawaii range from $756 to $2,040 per year for the driver profiles in the chart below. Honda CR-V insurance costs an average of $906 per year or $76 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Honda CR-V Insurance Cost in Hawaii
    Honda CR-V Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,040$170
    Safe Driver Age 20$1,786$149
    At-fault Accidents Age 40$1,268$106
    Low Deductibles Age 40$1,180$98
    Safe Driver Age 30$954$80
    Safe Driver Age 40$906$76
    Safe Driver Age 50$824$69
    Safe Driver Age 60$808$67
    High Deductibles Age 40$764$64
    Discount Rate Age 40$756$63

    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.