🚗 Car insurance cost in Hawaii (2026)
The estimated average is $1,548 per year — below the national average (-28% vs. the U.S. average of $2,150).
Hawaii is home to about 1.4 million people, and car insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Honolulu typically differ from smaller towns.
Estimate your car insurance in Hawaii
Hawaii car insurance estimator
Starts from the Hawaii average. Estimate only — get quotes to confirm.
Car insurance cost in Hawaii cities
| City | Population | Est. car insurance |
|---|---|---|
| Honolulu | 343,421 | $1,610 |
| Pearl City | 46,429 | $1,486 |
| Hilo | 44,186 | $1,486 |
| Kailua | 40,514 | $1,486 |
Hawaii car insurance FAQ
How much is car insurance in Hawaii?
The estimated average car insurance in Hawaii is $1,548 per year, which is below the national average (-28% vs. the U.S. average of $2,150). Hawaii ranks 46 of 51 states from most to least expensive.
Why is car insurance cheaper in Hawaii?
Car insurance pricing in Hawaii reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the West.
How can I save on car insurance in Hawaii?
Compare at least three quotes from insurers active in Hawaii, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.