- Car insurance in Hawaii costs an average of $1,242 per year, or about $104 per month for full coverage.
- Hawaii ranks first out of 11 states for cheapest overall car insurance rates when compared to other Western U.S. states.
- With compact SUVs having the most affordable average rates, Hawaii ranks sixth out of all 50 U.S. states for cheapest car insurance cost.
How much does Hawaii car insurance cost?
Average Hawaii car insurance cost is $1,242 per year, which is 32.7% less expensive than the average U.S. rate of $1,728 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.
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 $1,242 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 $88 per month for the Honda CR-V up to $106 per month for the Tesla Model 3.
- Toyota Tacoma – $1,136 per year ($95 per month)
- Toyota 4Runner – $1,164 per year ($97 per month)
- Toyota RAV4 – $1,150 per year ($96 per month)
- Toyota Corolla – $1,162 per year ($97 per month)
- Honda CR-V – $1,052 per year ($88 per month)
- Honda Civic – $1,214 per year ($101 per month)
- Tesla Model 3 – $1,270 per year ($106 per month)
- Toyota Camry – $1,178 per year ($98 per month)
- Ford F-150 – $1,264 per year ($105 per month)
- Chevy Silverado – $1,362 per year ($114 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 $1,242 per year.
The overall U.S. average cost of car insurance is $1,728, so the average annual cost in Hawaii is 32.7% cheaper.
When compared to Western coastal states, Hawaii car insurance quotes are 10.1% cheaper than Alaska, 27% cheaper than Washington, 30.2% cheaper than Oregon, and 54.5% 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, 53.5% cheaper than Nevada, 24.2% cheaper than Utah, and 25.4% 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 $1,242 per year.
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 28.6% cheaper than Arizona, 22.2% cheaper than Minnesota, 56.7% cheaper than Florida, 50.6% cheaper than New York, and 29.7% 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 $1,136 per year. When compared to other states, the cost in Hawaii is:
- $848 per year cheaper than in California ($1,984)
- $406 per year cheaper than in Oregon ($1,542)
- $354 per year cheaper than in Washington ($1,490)
- $378 per year cheaper than in Arizona ($1,514)
- $828 per year cheaper than in Nevada ($1,964)
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 $1,100 per year for compact SUVs up to over $1,600 per year for sports cars and over $1,900 per year for large luxury models.
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.
- Subaru Impreza insurance – Cheapest compact car at $1,026 per year or $86 per month
- Chevrolet Trailblazer insurance – Cheapest compact SUV at $940 per year or $78 per month
- Subaru Legacy insurance – Cheapest midsize car at $1,142 per year or $95 per month
- Honda Passport insurance – Cheapest midsize SUV at $964 per year or $80 per month
- Chrysler 300 insurance – Cheapest full-size car at $1,212 per year or $101 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $1,162 per year or $97 per month
- Ford Maverick insurance – Cheapest midsize pickup at $1,028 per year or $86 per month
- Nissan Titan insurance – Cheapest full-size pickup at $1,226 per year or $102 per month
- GMC Sierra 2500 HD insurance – Cheapest heavy duty pickup at $1,272 per year or $106 per month
- Honda Odyssey insurance – Cheapest minivan at $1,134 per year or $95 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $1,146 per year or $96 per month
- Acura Integra insurance – Cheapest compact luxury car at $1,114 per year or $93 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $1,034 per year or $86 per month
- Cadillac CT5 insurance – Cheapest midsize luxury car at $1,334 per year or $111 per month
- Lexus RX 350 insurance – Cheapest midsize luxury SUV at $1,112 per year or $93 per month
- Audi A5 insurance – Cheapest full-size luxury car at $1,392 per year or $116 per month
- Volvo XC90 insurance – Cheapest full-size luxury SUV at $1,280 per year or $107 per month
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 $1,136.
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 $1,230 and $1,276, 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.
Detailed car insurance cost for five popular vehicles
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 $1,136 per year and ranges from $944 to $2,570 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.
Toyota 4Runner insurance rates
Toyota 4Runner car insurance rates in Hawaii range from $966 to $2,650 per year for the driver profiles in the chart below. Toyota 4Runner insurance costs an average of $1,164 per year or $97 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.
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 $958 to $2,612 per year for the example driver risk profiles, with average cost being $1,150 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.
Toyota Corolla insurance rates
Toyota Corolla insurance in Hawaii costs an average of $1,162 per year and ranges from $966 to $2,628 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.
Honda CR-V insurance rates
Honda CR-V car insurance rates in Hawaii range from $876 to $2,404 per year for the driver profiles in the chart below. Honda CR-V insurance costs an average of $1,052 per year or $88 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.
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.
- Honolulu Car Insurance - $1,254 per year or $105 per month
- Pearl City Car Insurance - $1,218 per year or $102 per month
- Hilo Car Insurance - $1,298 per year or $108 per month
- Waipahu Car Insurance - $1,250 per year or $104 per month
- Kaneohe Car Insurance - $1,230 per year or $103 per month
