What is the minimum car insurance required in Hawaii?

Hawaii requires 40/80/20 + $10K PIP — minimums DOUBLED Jan 1, 2026 (was 20/40/10). Additional required coverage: $10K PIP required (no-fault state). Driving without minimum coverage results in license suspension, fines of $500+, and personal liability for any damages. The minimum is the legal floor — most drivers benefit from higher liability limits because state minimums often don't fully cover damages from a serious accident.

What is the average cost of car insurance in Hawaii?

Hawaii drivers pay an average of $138/month ($1,653/year) for full coverage and $44/month ($525/year) for minimum coverage. Your specific quote depends on your age, driving record, credit (where allowed), vehicle, and ZIP code — averages are useful for comparison but always quote 3+ carriers for your real rate.

Which car insurance company is cheapest in Hawaii?

For minimum coverage, GEICO is cheapest at $23/month ($276/year average). For full coverage, GEICO (or Island Insurance / USAA for military) averages $66/month ($792/year). Island Insurance is regional Hawaii-only; USAA cheapest for military

How can I lower my car insurance in Hawaii?

Five proven tactics: (1) Quote 3+ carriers — switching saves the average driver $300–$500/year. (2) Bundle auto + home for 10–25% off (State Farm leads at 22–23%, ~$1,010/yr avg savings). (3) Increase your deductible from $500 to $1,000 — saves 15–30%. (4) Use telematics — Progressive Snapshot saves safe drivers $322/yr avg, up to 30% off. (5) Stack discounts — multi-vehicle, good driver, paperless, autopay, and pay-annually compound to 30%+ off baseline. In Hawaii specifically, bans credit-based insurance pricing (one of 5 states — also ca, ma, mi, nj).

Do I need uninsured motorist coverage in Hawaii?

Hawaii doesn't legally require uninsured motorist coverage, but it's strongly recommended. Roughly 12–25% of drivers nationally are uninsured (varies by state). UM coverage pays your medical bills and car repairs if you're hit by an uninsured or underinsured driver. It typically costs $5–$15/month and is one of the highest-ROI coverages you can add.

Aerial view of a green Hawaiian mountain beside the Pacific Ocean

Verified May 1, 2026·47,000+ readers·Independent rankings

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Quick Answer — Hawaii

Minimum coverage required: 40/80/20 + $10K PIP — minimums DOUBLED Jan 1, 2026 (was 20/40/10)
Avg full coverage cost: $138/month ($1,653/year)
Cheapest carrier (minimum): GEICO — $23/mo avg
Cheapest carrier (full coverage): GEICO (or Island Insurance / USAA for military) — $66/mo avg

What's special about car insurance in Hawaii

BANS credit-based insurance pricing (one of 5 states — also CA, MA, MI, NJ)
MAJOR CHANGE Jan 1, 2026: minimums DOUBLED from 20/40/10 to 40/80/20 — must update existing policies
No-fault state with $10K mandatory PIP
Hawaii also bans use of gender, age, length of driving experience, and marital status in pricing
Island Insurance (regional Hawaii-only) consistently competitive for HI residents

Hawaii car insurance at a glance

Feature	Detail	Monthly	Annual
Minimum coverage required	40/80/20 + $10K PIP — minimums DOUBLED Jan 1, 2026 (was 20/40/10)	—	—
Avg minimum coverage cost	$44/mo	$525/yr	—
Avg full coverage cost	$138/mo	$1,653/yr	—
Cheapest carrier (minimum)	GEICOBest	$23/mo	$276/yr
Cheapest carrier (full coverage)	GEICO (or Island Insurance / USAA for military)Best	$66/mo	$792/yr

Which carrier should Hawaii drivers pick?

Match your situation to the right carrier. Hawaii-specific pricing varies by carrier, but the patterns below hold for most drivers.

You want the absolute cheapest minimum coverageGEICOCheapest in Hawaii at $23/mo.
You want full coverage at the lowest priceGEICO (or Island Insurance / USAA for military)$66/mo full coverage in Hawaii. Island Insurance is regional Hawaii-only; USAA cheapest for military
You qualify for USAA (military / veteran / family)USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
You bundle auto + homeState Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
You drive defensively + would let an app monitorProgressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
You have a high-risk record (DUI, accidents, tickets)ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.

Verified by the WalletGrower Editorial Team — current as of July 2026. We update rates, bonuses, fees, and product details regularly against each provider's published disclosures. Vendors can change offers between our update cycles, so we always recommend confirming the current published rate or bonus on the provider's site before signing up or applying.

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Methodology & sources

All Hawaii data on this page was WebSearch-verified May 2026 against the Hawaii insurance commissioner / DMV and at least one of the following 2026 carrier analyses:

Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.