Hawaii Car Insurance Cost for 2022

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 $1,036 per year, which is 33.2% less than the average U.S. rate of $1,551 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 2022 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 2022 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 May 19, 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$1,742$145
$500$2,054$171
$250$2,380$198
30$1,000$916$76
$500$1,090$91
$250$1,270$106
40$1,000$876$73
$500$1,036$86
$250$1,202$100
50$1,000$800$67
$500$942$79
$250$1,092$91
60$1,000$782$65
$500$922$77
$250$1,070$89

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 $1,036 per year for the average 2022 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 $91 per month for the Tesla Model 3.

  1. Toyota Tacoma – $962 per year ($80 per month)
  2. Toyota 4Runner – $1,006 per year ($84 per month)
  3. Toyota RAV4 – $976 per year ($81 per month)
  4. Toyota Corolla – $1,018 per year ($85 per month)
  5. Honda CR-V – $906 per year ($76 per month)
  6. Honda Civic – $1,024 per year ($85 per month)
  7. Tesla Model 3 – $1,086 per year ($91 per month)
  8. Toyota Camry – $1,020 per year ($85 per month)
  9. Ford F-150 – $1,002 per year ($84 per month)
  10. Chevy Silverado – $1,112 per year ($93 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 6th out of all 50 U.S. states, with an average annual cost of $1,036 per year.

The overall U.S. average cost of car insurance is $1,551, so the average annual cost in Hawaii is 49.7% cheaper.

When compared to Western coastal states, Hawaii car insurance quotes are 22.6% more expensive than Alaska, 10.5% more expensive than Washington, 18.9% cheaper than Oregon, and 40.7% cheaper than California.

When compared to some of the inland West region states, the cost of car insurance in Hawaii is 14% more expensive than Idaho, 38% cheaper than Nevada, 17.6% cheaper than Utah, and 25.9% 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 $1,036 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$1,036--
Washington$1,158$122
Idaho$1,204$168
Utah$1,258$222
Oregon$1,278$242
Alaska$1,338$302
Wyoming$1,398$362
Montana$1,484$448
Colorado$1,626$590
Nevada$1,672$636
California$1,746$710

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 23.6% cheaper than Arizona, 22.6% cheaper than Minnesota, 53.5% cheaper than Florida, 36% cheaper than New York, and 27.9% 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 2022 Toyota Tacoma in Hawaii is $962 per year. When compared to other states, the cost in Hawaii is:

  • $660 per year cheaper than in California ($1,622)
  • $224 per year cheaper than in Oregon ($1,186)
  • $112 per year more expensive than in Washington ($1,074)
  • $300 per year cheaper than in Arizona ($1,262)
  • $588 per year cheaper than in Nevada ($1,550)

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 2022 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 April 12, 2022
Hawaii Car Insurance Rates by Vehicle Segment
Hawaii Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$968$81
Midsize Pickup$994$83
Minivan$1,044$87
Midsize SUV$1,046$87
Compact Car$1,064$89
Midsize Car$1,078$90
Half-ton Pickup$1,124$94
Compact Luxury SUV$1,162$97
Large SUV$1,168$97
Compact Luxury Car$1,174$98
Large Car$1,198$100
Heavy Duty Pickup$1,234$103
Midsize Luxury SUV$1,248$104
Midsize Luxury Car$1,370$114
Sports Car$1,460$122
Large Luxury SUV$1,562$130
Large Luxury Car$1,636$136

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 Mazda CX-5, Nissan Kicks, or Chevrolet Trailblazer are going to be paying the best insurance rates.

Other models that rank very well for affordable insurance are the Subaru Crosstrek, Honda Passport, Chevrolet Colorado, Toyota C-HR, Buick Encore, and Nissan Rogue Sport. 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 $962.

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 $1,072 and $1,100, respectively.

The next table ranks the 50 cheapest vehicles to insure in Hawaii for the 2022 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
1Mazda CX-5$788$66
2Nissan Kicks$806$67
3Chevrolet Trailblazer$810$68
4Honda Passport$832$69
5Subaru Crosstrek$832$69
6Chevrolet Colorado$852$71
7Toyota C-HR$854$71
8Buick Encore$856$71
9Nissan Rogue Sport$862$72
10Hyundai Venue$878$73
11Buick Envision$880$73
12Kia Seltos$880$73
13Ford Maverick$884$74
14Acura RDX$886$74
15Toyota Corolla Cross$886$74
16Subaru Ascent$890$74
17Hyundai Kona$894$75
18Subaru Forester$896$75
19Subaru Impreza$896$75
20Mazda MX-5 Miata$898$75
21Volkswagen Tiguan$898$75
22Chevrolet Spark$902$75
23Honda CR-V$906$76
24Cadillac XT4$910$76
25Mazda CX-30$916$76
26Ford Ranger$920$77
27Honda HR-V$928$77
28Ford Edge$932$78
29Ford Ecosport$938$78
30Chevrolet Trax$948$79
31Subaru Outback$950$79
32Acura ILX$952$79
33GMC Terrain$952$79
34Mitsubishi Eclipse Cross$954$80
35Nissan Murano$958$80
36Hyundai Tucson$962$80
37Toyota Tacoma$962$80
38Honda Odyssey$964$80
39Toyota Venza$966$81
40Chevrolet Bolt$968$81
41Chevrolet Equinox$968$81
42Ford Explorer$970$81
43Volkswagen Taos$970$81
44Fiat 500X$976$81
45Toyota RAV4$976$81
46Kia Sorento$978$82
47Kia Soul$978$82
48Nissan Frontier$986$82
49GMC Canyon$992$83
50Hyundai Palisade$994$83

    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 March 24, 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 $962 per year and ranges from $798 to $2,188 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 2022 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 May 19, 2022
    Toyota Tacoma Insurance Cost in Hawaii
    Toyota Tacoma Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,188$182
    Safe Driver Age 20$1,914$160
    At-fault Accidents Age 40$1,352$113
    Low Deductibles Age 40$1,264$105
    Safe Driver Age 30$1,016$85
    Safe Driver Age 40$962$80
    Safe Driver Age 50$874$73
    Safe Driver Age 60$860$72
    High Deductibles Age 40$806$67
    Discount Rate Age 40$798$67

    Toyota 4Runner insurance rates

    Toyota 4Runner car insurance rates in Hawaii range from $836 to $2,300 per year for the driver profiles in the chart below. Toyota 4Runner insurance costs an average of $1,006 per year or $84 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 2022 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 May 19, 2022
    Toyota 4Runner Insurance Cost in Hawaii
    Toyota 4Runner Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,300$192
    Safe Driver Age 20$2,014$168
    At-fault Accidents Age 40$1,424$119
    Low Deductibles Age 40$1,324$110
    Safe Driver Age 30$1,064$89
    Safe Driver Age 40$1,006$84
    Safe Driver Age 50$918$77
    Safe Driver Age 60$902$75
    High Deductibles Age 40$846$71
    Discount Rate Age 40$836$70

    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 $810 to $2,220 per year for the example driver risk profiles, with average cost being $976 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 2022 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 May 19, 2022
    Toyota RAV4 Insurance Cost in Hawaii
    Toyota RAV4 Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,220$185
    Safe Driver Age 20$1,944$162
    At-fault Accidents Age 40$1,376$115
    Low Deductibles Age 40$1,278$107
    Safe Driver Age 30$1,030$86
    Safe Driver Age 40$976$81
    Safe Driver Age 50$890$74
    Safe Driver Age 60$874$73
    High Deductibles Age 40$822$69
    Discount Rate Age 40$810$68

    Toyota Corolla insurance rates

    Toyota Corolla insurance in Hawaii costs an average of $1,018 per year and ranges from $844 to $2,278 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 2022 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 May 19, 2022
    Toyota Corolla Insurance Cost in Hawaii
    Toyota Corolla Insurance Cost in Hawaii
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,278$190
    Safe Driver Age 20$1,998$167
    At-fault Accidents Age 40$1,438$120
    Low Deductibles Age 40$1,264$105
    Safe Driver Age 30$1,056$88
    Safe Driver Age 40$1,018$85
    Safe Driver Age 50$928$77
    Safe Driver Age 60$908$76
    High Deductibles Age 40$890$74
    Discount Rate Age 40$844$70

    Honda CR-V insurance rates

    Honda CR-V car insurance rates in Hawaii range from $752 to $2,064 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 2022 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 May 19, 2022
    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$2,064$172
    Safe Driver Age 20$1,808$151
    At-fault Accidents Age 40$1,280$107
    Low Deductibles Age 40$1,174$98
    Safe Driver Age 30$952$79
    Safe Driver Age 40$906$76
    Safe Driver Age 50$826$69
    Safe Driver Age 60$810$68
    High Deductibles Age 40$766$64
    Discount Rate Age 40$752$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.