Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Hawaii apart
Credit score, age, and gender BANNED from rating — cheapest full coverage nationally.
Minimum vs. full coverage in Hawaii
What each coverage level costs on the Hawaii average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $520 | $43 |
| Liability Only | $840 | $70 |
| Full | $1,530 | $128 |
| Full Low Deductible | $1,860 | $155 |
Minimum coverage saves about $1,008/yr vs full — but caps protection at 20/40/10. One at-fault crash above those limits and the gap is yours.
Hawaii car insurance FAQ
- What's the minimum car insurance required in Hawaii?
- Hawaii's state minimum is 20/40/10 — $20k bodily injury per person, $40k per accident, $10k property damage. Minimum-only runs about $520/yr but leaves you exposed above those caps.
- How much is full coverage in Hawaii?
- Representative full coverage averages $1,528/yr (about $127/mo), ranking Hawaii #11 of 51 states for cost.
- Why is Hawaii car insurance priced the way it is?
- Credit score, age, and gender BANNED from rating — cheapest full coverage nationally.