Hawaii Car Insurance Cost for 2023

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 $1,202 per year, which is 28.7% less expensive than the average U.S. rate of $1,685 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 2023 models. Average cost is broken down for drivers from age 20 to age 60 and also for three different physical damage deductible amounts.

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Chart Data Details: Chart shows average Hawaii car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Hawaii zip codes.Data last updated on December 30, 2022
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$2,396$200
$250$2,782$232
30$1,000$1,066$89
$500$1,270$106
$250$1,484$124
40$1,000$1,016$85
$500$1,202$100
$250$1,398$117
50$1,000$928$77
$500$1,096$91
$250$1,272$106
60$1,000$910$76
$500$1,074$90
$250$1,250$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 $1,202 per year for the average 2023 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 $85 per month for the Honda CR-V up to $103 per month for the Tesla Model 3.

  1. Toyota Tacoma – $1,098 per year ($92 per month)
  2. Toyota 4Runner – $1,126 per year ($94 per month)
  3. Toyota RAV4 – $1,114 per year ($93 per month)
  4. Toyota Corolla – $1,130 per year ($94 per month)
  5. Honda CR-V – $1,020 per year ($85 per month)
  6. Honda Civic – $1,178 per year ($98 per month)
  7. Tesla Model 3 – $1,230 per year ($103 per month)
  8. Toyota Camry – $1,144 per year ($95 per month)
  9. Ford F-150 – $1,222 per year ($102 per month)
  10. Chevy Silverado – $1,316 per year ($110 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 $1,202 per year.

The overall U.S. average cost of car insurance is $1,685, so the average annual cost in Hawaii is 40.2% cheaper.

When compared to Western coastal states, Hawaii car insurance quotes are 10.2% cheaper than Alaska, 24.7% cheaper than Washington, 27.1% cheaper than Oregon, and 43.7% cheaper than California.

When compared to some of the inland West region states, the cost of car insurance in Hawaii is 4.3% cheaper than Idaho, 43% cheaper than Nevada, 22.3% cheaper than Utah, and 23.2% 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 $1,202 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
Hawaii$1,202--
Idaho$1,256$54
Alaska$1,338$136
Utah$1,546$344
Wyoming$1,566$364
Washington$1,596$394
Montana$1,620$418
Oregon$1,648$446
Colorado$1,892$690
Nevada$2,110$908
California$2,134$932

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 25.7% cheaper than Arizona, 20.5% cheaper than Minnesota, 45.3% cheaper than Florida, 41.1% cheaper than New York, and 26.6% 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 2023 Toyota Tacoma in Hawaii is $1,098 per year. When compared to other states, the cost in Hawaii is:

  • $854 per year cheaper than in California ($1,952)
  • $406 per year cheaper than in Oregon ($1,504)
  • $356 per year cheaper than in Washington ($1,454)
  • $378 per year cheaper than in Arizona ($1,476)
  • $832 per year cheaper than in Nevada ($1,930)

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 Nissan Kicks, Nissan Rogue Sport, Buick Encore, Kia Seltos, and Hyundai Venue.

The chart below summarizes annual car insurance cost in Hawaii for each of the different vehicle segments. Rates range from around $1,000 per year for compact SUVs up to over $1,600 per year for sports cars and over $1,800 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 2023 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.Data last updated on December 30, 2022
Hawaii Car Insurance Rates by Vehicle Segment
Hawaii Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,096$91
Midsize Pickup$1,134$95
Midsize SUV$1,174$98
Minivan$1,178$98
Compact Car$1,198$100
Midsize Car$1,228$102
Compact Luxury SUV$1,302$109
Half-ton Pickup$1,304$109
Large SUV$1,316$110
Compact Luxury Car$1,324$110
Heavy Duty Pickup$1,382$115
Large Car$1,396$116
Midsize Luxury SUV$1,396$116
Midsize Luxury Car$1,530$128
Sports Car$1,644$137
Large Luxury SUV$1,770$148
Large Luxury Car$1,856$155

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 Chevrolet Trailblazer, Subaru Crosstrek, or Nissan Kicks are going to be paying the best insurance rates.

Other models that rank very well for affordable insurance are the Honda Passport, Nissan Rogue Sport, Mazda CX-5, Buick Encore, Buick Envision, and Kia Seltos. 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 $1,098.

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 $1,194 and $1,240, respectively.

The next table ranks the 50 cheapest vehicles to insure in Hawaii for the 2023 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
1Chevrolet Trailblazer$910$76
2Subaru Crosstrek$918$77
3Nissan Kicks$924$77
4Honda Passport$936$78
5Nissan Rogue Sport$938$78
6Mazda CX-5$946$79
7Buick Encore$958$80
8Buick Envision$960$80
9Kia Seltos$974$81
10Subaru Ascent$978$82
11Hyundai Venue$982$82
12Subaru Impreza$996$83
13Ford Maverick$998$83
14Honda HR-V$998$83
15Acura RDX$1,002$84
16Chevrolet Colorado$1,002$84
17Hyundai Kona$1,010$84
18Subaru Forester$1,016$85
19Ford Edge$1,020$85
20Honda CR-V$1,020$85
21Mazda CX-30$1,022$85
22Ford Explorer$1,024$85
23Volkswagen Atlas$1,028$86
24Chevrolet Trax$1,030$86
25Nissan Murano$1,034$86
26Subaru Outback$1,036$86
27Nissan Frontier$1,038$87
28Volkswagen Tiguan$1,044$87
29Ford Bronco Sport$1,046$87
30Fiat 500X$1,068$89
31Ford Ranger$1,068$89
32Kia Soul$1,068$89
33GMC Terrain$1,070$89
34Mitsubishi Eclipse Cross$1,072$89
35Volkswagen Atlas Cross Sport$1,074$90
36Lexus RX 350$1,078$90
37Acura Integra$1,080$90
38Chevrolet Equinox$1,082$90
39Cadillac XT4$1,086$91
40Toyota Corolla Cross$1,086$91
41Volkswagen Taos$1,090$91
42GMC Canyon$1,092$91
43Toyota Venza$1,096$91
44Volkswagen Jetta$1,096$91
45Honda Odyssey$1,098$92
46Mazda CX-50$1,098$92
47Toyota Tacoma$1,098$92
48Hyundai Tucson$1,102$92
49Ford Escape$1,104$92
50Kia Sorento$1,104$92

    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.Data last updated on December 30, 2022
    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 $1,098 per year and ranges from $912 to $2,492 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 2023 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.Data last updated on December 29, 2022
    Toyota Tacoma Insurance Cost in Hawaii
    2023 Toyota Tacoma Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,492$208
    Safe Driver Age 20$2,182$182
    At-fault Accidents Age 40$1,552$129
    Low Deductibles Age 40$1,428$119
    Safe Driver Age 30$1,158$97
    Safe Driver Age 40$1,098$92
    Safe Driver Age 50$1,000$83
    Safe Driver Age 60$982$82
    High Deductibles Age 40$930$78
    Discount Rate Age 40$912$76

    Toyota 4Runner insurance rates

    Toyota 4Runner car insurance rates in Hawaii range from $936 to $2,568 per year for the driver profiles in the chart below. Toyota 4Runner insurance costs an average of $1,126 per year or $94 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 2023 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.Data last updated on December 30, 2022
    Toyota 4Runner Insurance Cost in Hawaii
    2023 Toyota 4Runner Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,568$214
    Safe Driver Age 20$2,250$188
    At-fault Accidents Age 40$1,590$133
    Low Deductibles Age 40$1,480$123
    Safe Driver Age 30$1,190$99
    Safe Driver Age 40$1,126$94
    Safe Driver Age 50$1,028$86
    Safe Driver Age 60$1,008$84
    High Deductibles Age 40$946$79
    Discount Rate Age 40$936$78

    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 $926 to $2,530 per year for the example driver risk profiles, with average cost being $1,114 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 2023 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.Data last updated on December 30, 2022
    Toyota RAV4 Insurance Cost in Hawaii
    2023 Toyota RAV4 Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,530$211
    Safe Driver Age 20$2,218$185
    At-fault Accidents Age 40$1,570$131
    Low Deductibles Age 40$1,460$122
    Safe Driver Age 30$1,176$98
    Safe Driver Age 40$1,114$93
    Safe Driver Age 50$1,016$85
    Safe Driver Age 60$996$83
    High Deductibles Age 40$936$78
    Discount Rate Age 40$926$77

    Toyota Corolla insurance rates

    Toyota Corolla insurance in Hawaii costs an average of $1,130 per year and ranges from $936 to $2,542 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 2023 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.Data last updated on December 30, 2022
    Toyota Corolla Insurance Cost in Hawaii
    2023 Toyota Corolla Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,542$212
    Safe Driver Age 20$2,228$186
    At-fault Accidents Age 40$1,590$133
    Low Deductibles Age 40$1,454$121
    Safe Driver Age 30$1,186$99
    Safe Driver Age 40$1,130$94
    Safe Driver Age 50$1,028$86
    Safe Driver Age 60$1,008$84
    High Deductibles Age 40$960$80
    Discount Rate Age 40$936$78

    Honda CR-V insurance rates

    Honda CR-V car insurance rates in Hawaii range from $848 to $2,332 per year for the driver profiles in the chart below. Honda CR-V insurance costs an average of $1,020 per year or $85 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 2023 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.Data last updated on December 29, 2022
    Honda CR-V Insurance Cost in Hawaii
    2023 Honda CR-V Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,332$194
    Safe Driver Age 20$2,040$170
    At-fault Accidents Age 40$1,446$121
    Low Deductibles Age 40$1,326$111
    Safe Driver Age 30$1,072$89
    Safe Driver Age 40$1,020$85
    Safe Driver Age 50$932$78
    Safe Driver Age 60$914$76
    High Deductibles Age 40$864$72
    Discount Rate Age 40$848$71

    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.