Hawaii drivers pay an average of $1,281 per year for full coverage. CoverShield agents compare 40+ carriers licensed in HI on one call — most Hawaii drivers save $400–$700 a year by re-shopping.
Average wait: 12 sec · Licensed in HI
Avg Hawaii full-coverage premium
$1,281/yr
Avg Savings After Re-shop
$400–$700/yr
Carriers Licensed in HI
40+
Hawaii ranks #40 in US population and is a no-fault auto-insurance state. State minimum liability is 20/40/10, but roughly 9.3% of HI drivers carry no insurance at all — one of the strongest arguments for adding uninsured-motorist coverage to your policy. Average full-coverage premium in Hawaii sits at $1,281/yr, and Honolulu ZIP codes typically run 10–25% above that.
Local underwriting notes
Hawaii full-coverage auto insurance averages $1,281/year, about 25% below the 50-state average of $1,714/yr. That matters because carriers do not price Honolulu, Hilo, Kailua the same way; ZIP-level claim frequency and repair costs can move quotes hundreds of dollars apart inside the same state.
Hawaii is a no-fault state, so PIP and first-party medical rules shape every quote. The legal minimum is 20/40/10, but a serious crash in a higher-cost metro can exhaust those limits quickly. Hawaii's uninsured-driver rate sits near the national middle, making UM/UIM a sensible add-on for most households.
Because Hawaii is a smaller market where carrier appetite can vary sharply by ZIP code, carrier appetite can swing between dense metro neighborhoods, college towns, rural commute corridors, and weather-exposed areas. Agents also check hurricanes & volcanoes exposure, garaging address, mileage, prior-insurance gaps, and whether a household qualifies for telematics, multi-car, paid-in-full, or homeowner discounts.
Hawaii market notes
Carrier appetite, regulation, and weather exposure that change how auto insurance is actually priced in Hawaii.
Hawaii is a no-fault PIP state with mandatory $10K PIP, and Hawaii has the lowest average auto premium of any state in the West (~$1,280/yr). Volcanic activity on the Big Island and tsunami zones along all islands rarely affect auto pricing but affect comp claim patterns. First Insurance Company of Hawaii and DTRIC are the two HI-domiciled carriers most familiar with island-specific risks; the national brands still compete on price for standard risks.
Notable HI auto insurance carriers
HI state law sets the legal floor at 20/40/10, but most CoverShield agents recommend 100/300/100 or higher because medical and repair costs in Honolulu routinely exhaust state-minimum limits after a serious crash.
| Coverage | HI minimum | What it pays for |
|---|---|---|
| Bodily injury — per person | $20,000 | Medical bills for one person you injure in an at-fault crash. |
| Bodily injury — per accident | $40,000 | Total bodily-injury cap across all people hurt in one crash. |
| Property damage | $10,000 | Repairs to vehicles, fences, structures you damage. |
| Personal Injury Protection (PIP) | Required | HI is a no-fault state — your own insurer pays your medical bills regardless of fault. |
Source: HI Department of Insurance, 2026. State minimums are the legal floor — not a recommendation.
These are the carriers we see win the most HI quotes — but the cheapest carrier for you depends on age, vehicle, driving record, credit (where allowed), and ZIP. CoverShield re-shops all of them on one call.
State Farm
Active across HI. Competitive in Honolulu ZIPs and surrounding counties.
GEICO
Active across HI. Competitive in Hilo ZIPs and surrounding counties.
Allstate
Active across HI. Competitive in Kailua ZIPs and surrounding counties.
First Insurance Company of Hawaii
Active across HI. Competitive in Honolulu ZIPs and surrounding counties.
DTRIC
Active across HI. Competitive in Hilo ZIPs and surrounding counties.
An SR-22 is a certificate HI requires after a DUI, reckless driving, at-fault crash without insurance, or license reinstatement. It's not a separate policy — it's a filing your insurer sends to the HI DMV proving you carry at least the 20/40/10 state minimum.
Filing fee
$20–$50
One-time, paid to your carrier.
How long required
3 years (5 in some cases)
Continuous coverage — any lapse restarts the clock.
Premium impact
+40–80%
Compared to standard HI rates for 3 years post-incident.
Not every HI carrier files SR-22s. Standard-market insurers often non-renew after a major violation, pushing drivers into non-standard carriers (Direct Auto, Acceptance, Bristol West, Dairyland) at higher rates. CoverShield agents know which HI-admitted carriers still file SR-22 at competitive premiums — and which ones to avoid.
We serve every ZIP in Hawaii. Common quote requests come from Honolulu, Hilo, Kailua, and Honolulu — but rural and small-town HI drivers get the same agent attention.
Hawaii — Common Questions
Hawaii requires liability limits of at least 20/40/10 (bodily injury per person / per accident / property damage). Most CoverShield agents recommend higher limits because medical and repair costs in Honolulu routinely exceed state minimums after a serious crash.
Premiums in Hawaii are driven by population density, uninsured-motorist rates, severe weather exposure (hurricanes), and repair costs. Re-shopping every 6 months is the single biggest lever Hawaii drivers control.
Most HI-licensed carriers can bind a policy the same day — usually within minutes once payment and license info are confirmed. Useful for dealerships, lease handoffs, or SR-22 court deadlines.
Yes — every ZIP code, from Honolulu to Honolulu. CoverShield works with carriers admitted in all of HI.
Yes — Hawaii is a no-fault state. HI drivers must carry Personal Injury Protection (PIP) coverage, and your own insurer pays your medical bills after a crash regardless of who is at fault. This affects which carriers price competitively in Hawaii and is one reason HI premiums tend to run higher than tort states.
Roughly 9.3% of drivers in Hawaii are uninsured (IRC data). That's near the US average. Adding UM/UIM coverage in HI typically costs $5–$15/month and protects you from the bills an uninsured driver can't pay.
No forms, no spam. One call, real HI-licensed agent.
Local auto insurance pages for the largest Hawaii cities. Rates and minimums vary by ZIP — pick your city for a localized breakdown.
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