Hawaii Auto Insurance Calculator 2026
Estimate your auto insurance premium in Hawaii (HI). Hawaii rates are 22% below the national average. Enter your details below for a personalized estimate.
Driver Profile
Ages 16-100
Coverage & Vehicle
Average is ~12,000 miles/year
Fill in your details to see your estimated auto insurance premium
Hawaii Auto Insurance Overview
Hawaii drivers pay approximately 22% less than the national average for auto insurance. The state premium factor is 0.78x relative to the national baseline.
Hawaii Minimum Coverage Requirements
Hawaii requires minimum liability coverage of 20/40/10 ($20,000/$40,000 bodily injury, $10,000 property damage).
Hawaii requires Personal Injury Protection (PIP) with a minimum of $10,000.
Note: No-fault state; PIP required
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