Find Hawaii car insurance cost for both new and used cars by auto values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble.
Car insurance in Hawaii often costs close to the national average. Drivers here deal with dense island traffic, limited road networks, and higher repair costs due to parts and shipping delays.
Congestion along H-1 and coastal highways, combined with salt air and sudden rain showers, help shape what people pay across the state. Once ready, see the best local and statewide car insurers.
Curious about car financing? See real Hawaii car loan rates shared by our community. Find also Hawaii best car loan lenders in your area (also community recommended).
Hawaii’s 20/40/10 Rule: What It Covers
Hawaii law requires drivers to carry liability coverage. This part of your policy pays for injuries and damage you cause to others in a crash.
- $20,000 for injuries to one person. This pays for medical bills if you hurt someone in a crash.
- $40,000 for injuries to more than one person in a single crash. This is the total amount your insurance will pay for all injured people combined.
- $10,000 for property damage. This pays to fix or replace what you damage, like another car, a fence, or a building.
Hawaii also requires coverage for injuries caused by uninsured drivers. This helps protect you if the other driver has no insurance.
MFP Tip: Shipping delays can raise repair costs. Higher property damage limits can help protect you after a crash.
Hawaii New Car Insurance Costs
Your new car insuranace price depends on the value of your car, how much coverage you choose, and your credit history. New cars often cost more to insure because repairs and replacement parts are more expensive.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $168 | $195 | $213 | $343 |
| Standard | $141 | $164 | $179 | $288 | |
| Liability only | $79 | $91 | $100 | $161 | |
| $40K-$60K | Full | $142 | $165 | $180 | $291 |
| Standard | $118 | $137 | $150 | $242 | |
| Liability only | $67 | $78 | $85 | $137 | |
| $25K-$40K | Full | $124 | $144 | $157 | $254 |
| Standard | $103 | $120 | $130 | $211 | |
| Liability only | $60 | $69 | $76 | $122 | |
| Below $25K | Full | $109 | $126 | $138 | $223 |
| Standard | $89 | $104 | $113 | $183 | |
| Liability only | $53 | $61 | $67 | $108 |
Hawaii Used Car Insurance Costs
Used cars may cost less to insure, but dropping coverage for your own car can leave you paying out of pocket after a crash, a theft, or storm damage.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $114 | $132 | $144 | $233 |
| Standard | $95 | $110 | $120 | $194 | |
| Liability only | $67 | $78 | $85 | $137 | |
| $15K-$40K | Full | $95 | $110 | $120 | $194 |
| Standard | $79 | $92 | $100 | $161 | |
| Liability only | $57 | $66 | $72 | $116 | |
| Below $15K | Full | $80 | $93 | $101 | $163 |
| Standard | $65 | $76 | $82 | $133 | |
| Liability only | $48 | $56 | $61 | $99 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the state minimum, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
How Credit History Influences Hawaii Car Insurance Prices
Hawaii does not allow insurers to use your credit history when setting your price. Drivers with different credit profiles often pay similar rates for the same coverage.
This rule can help keep prices more consistent across drivers, but your driving record and coverage choices still play a major role in what you pay.
MFP Tip: Focus on clean driving and comparing quotes. Credit-based discounts are not part of Hawaii pricing.
Find the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, the 10 percent test can guide your choice. If your yearly coverage cost is more than 10 percent of your car’s value, you may want to keep only liability and drop coverage for your own car.
Why Hawaii’s Minimums Can Leave You Paying the Difference
When You Damage Someone’s Property
Many vehicles on Hawaii roads cost more than $10,000 to repair. If your limit runs out, the rest of the bill can fall on you.
If You Injure Someone
Medical care and missed work can push costs past $20,000 for a single person. If more than one person is hurt, the $40,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
Coverage for injuries and damage to your own car can help when the other driver has no insurance.
What Shapes Hawaii Rates
Hawaii uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Salt air, heavy rain, and coastal conditions can damage vehicles and lead to claims across the islands.
Traffic around Honolulu and major routes like H-1 raises the chance of minor crashes and repair costs.
How Hawaii Drivers Can Bring Their Insurance Costs Down
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These track how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: If you drive short island routes, ask about low-mileage discounts. Some insurers offer lower rates for drivers who spend less time on the road.
What to Do After Buying a Car in Hawaii
You need insurance in place before you can register your vehicle. Dealers often submit paperwork for new cars, while private sales leave the steps to you.
Registration and title work go through your county motor vehicle office. New residents and in-state buyers have a short window to complete the process.
Review your coverage once a year. As your car’s value drops, you may be able to adjust your policy and lower your costs.
Hawaii Best Car Insurance
Find Hawaii best local insurers by metro areas based on community recommendations
Honolulu, East Honolulu, Pearl City, Hilo, Waipahu, Mililani Town, Kahului, Online Lenders
Honolulu Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Honolulu’s area are U’ilani Aragaki, agent, State Farm, Andrew Ku, agent, Allstate and First Insurance Company of Hawaii.
U’ilani Aragaki, agent, State Farm (91% Recommend)
- U’ilani Aragaki ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-guidance profile among the top 3.
- Customer feedback and local agent signals point to strong Honolulu service, clear quote help, and dependable car insurance guidance.
Andrew Ku, agent, Allstate (90% Recommend)
- Andrew Ku ranks second with a 4.8 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, matching U’ilani Aragaki on premium satisfaction.
- Customer feedback and local agent signals support practical coverage help, accessible quote support, and local service for Honolulu drivers.
First Insurance Company of Hawaii (89% Recommend)
- First Insurance Company of Hawaii ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Andrew Ku on ease and support.
- Customer feedback and agency network signals point to broad Hawaii experience, local agency access, and practical auto insurance support.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| U’ilani Aragaki, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Andrew Ku, agent, Allstate | Insurer | 4.7 | 4.8 | 4.8 | 90% |
| First Insurance Company of Hawaii | Agency | 4.7 | 4.7 | 4.8 | 89% |
| Ryan Miyashita, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Bradley Maruyama, agent, Allstate | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Larry Bolibol, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Summer Burnett, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Thomas Choi Agency LLC, Allstate | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| Jonathan Groves, agent, Allstate | Insurer | 4.5 | 4.5 | 4.6 | 85% |
| Ricky N. Bonilla, agent, Allstate | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Deanne August, agent, Allstate | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Rayna Toyama, agent, State Farm | Insurer | 4.5 | 4.4 | 4.5 | 83% |
| Mia Kim Migita, agent, State Farm | Insurer | 4.5 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
East Honolulu Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in East Honolulu’s area are Deanne August, agent, Allstate, Rayna Toyama, agent, State Farm and U’ilani Aragaki, agent, State Farm.
Deanne August, agent, Allstate (90% Recommend)
- Deanne August ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local Hawaii Kai signals point to strong East Honolulu service, accessible quote help, and useful auto insurance guidance.
Rayna Toyama, agent, State Farm (89% Recommend)
- Rayna Toyama ranks second with a 4.8 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the highest premium-satisfaction score among the top 3.
- Customer feedback and local agent signals support clear coverage help, responsive communication, and dependable car insurance service.
U’ilani Aragaki, agent, State Farm (88% Recommend)
- U’ilani Aragaki ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Deanne August on ease and support.
- Customer feedback and Honolulu-area agent signals point to practical policy help, easy quote support, and dependable auto insurance guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Deanne August, agent, Allstate | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Rayna Toyama, agent, State Farm | Insurer | 4.7 | 4.8 | 4.8 | 89% |
| U’ilani Aragaki, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 88% |
| First Insurance Company of Hawaii | Agency | 4.7 | 4.6 | 4.8 | 88% |
| Ryan Miyashita, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Andrew Ku, agent, Allstate | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Bradley Maruyama, agent, Allstate | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Mia Kim Migita, agent, State Farm | Insurer | 4.5 | 4.5 | 4.6 | 84% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Pearl City Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Pearl City’s area are Margaret Yamashita, agent, State Farm, Marcus Murakami, agent, Allstate and Wayne Midro, agent, State Farm.
Margaret Yamashita, agent, State Farm (91% Recommend)
- Margaret Yamashita ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to long-running Pearl City service, clear coverage help, and dependable car insurance guidance.
Marcus Murakami, agent, Allstate (90% Recommend)
- Marcus Murakami ranks second with a 4.8 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, matching Margaret Yamashita on premium satisfaction.
- Customer feedback and local agent signals support practical quote help, clear coverage guidance, and accessible Pearl City service.
Wayne Midro, agent, State Farm (89% Recommend)
- Wayne Midro ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Marcus Murakami on ease and support.
- Customer feedback and local agent signals point to experienced policy help, clear quote support, and dependable service for Pearl City drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Margaret Yamashita, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Marcus Murakami, agent, Allstate | Insurer | 4.7 | 4.8 | 4.8 | 90% |
| Wayne Midro, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Mia Kim Migita, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| First Insurance Company of Hawaii | Agency | 4.7 | 4.6 | 4.7 | 87% |
| U’ilani Aragaki, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Larry Bolibol, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Andrew Ku, agent, Allstate | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Hilo Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Hilo’s area are Hope Chu Hing, agent, State Farm, Cary Ichinose, agent, State Farm and Zack Pacleb, agent, State Farm.
Hope Chu Hing, agent, State Farm (91% Recommend)
- Hope Chu Hing ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined service-and-premium profile among the top 3.
- Customer feedback and local agent signals point to comfortable, personalized service, clear coverage guidance, and strong Hilo auto insurance support.
Cary Ichinose, agent, State Farm (90% Recommend)
- Cary Ichinose ranks second with a 4.9 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback and local agent signals support long-running Hilo service, clear quote help, and dependable auto insurance guidance.
Zack Pacleb, agent, State Farm (89% Recommend)
- Zack Pacleb ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Cary Ichinose on ease and support.
- Customer feedback and local agent signals point to Hawaii County knowledge, easy quote help, and practical auto coverage support.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hope Chu Hing, agent, State Farm | Insurer | 4.7 | 4.8 | 4.9 | 91% |
| Cary Ichinose, agent, State Farm | Insurer | 4.8 | 4.7 | 4.9 | 90% |
| Zack Pacleb, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| First Insurance Company of Hawaii | Agency | 4.7 | 4.6 | 4.8 | 88% |
| Atlas Insurance Agency | Agency | 4.6 | 4.6 | 4.7 | 86% |
| HUB International | Broker | 4.6 | 4.5 | 4.7 | 86% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Kaneohe’s area are Lori Pasion, agent, State Farm, Kiha Tirrell, agent, State Farm and Rachel Rooney, agent, State Farm.
Lori Pasion, agent, State Farm (91% Recommend)
- Lori Pasion ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to experienced Kaneohe service, personalized help, and clear auto insurance guidance.
Kiha Tirrell, agent, State Farm (90% Recommend)
- Kiha Tirrell ranks second with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, matching Lori Pasion on support and leading on premium satisfaction.
- Customer feedback and local agent signals support long-running Kaneohe service, strong policy knowledge, and dependable car insurance help.
Rachel Rooney, agent, State Farm (89% Recommend)
- Rachel Rooney ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Kiha Tirrell on ease and support.
- Customer feedback and local service signals point to clear quote help, practical coverage guidance, and dependable support for Windward Oahu drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Lori Pasion, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Kiha Tirrell, agent, State Farm | Insurer | 4.7 | 4.8 | 4.9 | 90% |
| Rachel Rooney, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| First Insurance Company of Hawaii | Agency | 4.7 | 4.6 | 4.8 | 88% |
| Deanne August, agent, Allstate | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Rayna Toyama, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Waipahu Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Waipahu’s area are Mia Kim Migita, agent, State Farm, Margaret Yamashita, agent, State Farm and Wayne Midro, agent, State Farm.
Mia Kim Migita, agent, State Farm (90% Recommend)
- Mia Kim Migita ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Central Oahu service, clear quote help, and dependable car insurance guidance.
Margaret Yamashita, agent, State Farm (89% Recommend)
- Margaret Yamashita ranks second with a 4.8 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the highest premium-satisfaction score among the top 3.
- Customer feedback and nearby Pearl City service signals support long-running local help, practical policy guidance, and clear coverage support.
Wayne Midro, agent, State Farm (88% Recommend)
- Wayne Midro ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Mia Kim Migita on ease and support.
- Customer feedback and local agent signals point to experienced service, clear quote support, and dependable auto insurance help for Waipahu-area drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Mia Kim Migita, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Margaret Yamashita, agent, State Farm | Insurer | 4.7 | 4.8 | 4.8 | 89% |
| Wayne Midro, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 88% |
| Marcus Murakami, agent, Allstate | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| First Insurance Company of Hawaii | Agency | 4.6 | 4.6 | 4.7 | 86% |
| Larry Bolibol, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Mililani Town Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Mililani Town’s area are Margaret Yamashita, agent, State Farm, Wayne Midro, agent, State Farm and Marcus Murakami, agent, Allstate.
Margaret Yamashita, agent, State Farm (90% Recommend)
- Margaret Yamashita ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Mililani-area service, clear quote help, and dependable car insurance guidance.
Wayne Midro, agent, State Farm (89% Recommend)
- Wayne Midro ranks second with a 4.8 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the highest premium-satisfaction score among the top 3.
- Customer feedback and nearby Pearl City service signals support experienced coverage help, practical quote guidance, and responsive auto insurance service.
Marcus Murakami, agent, Allstate (88% Recommend)
- Marcus Murakami ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Margaret Yamashita on ease and support.
- Customer feedback and Central Oahu service signals point to clear policy explanations, accessible quote help, and dependable car insurance guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Margaret Yamashita, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Wayne Midro, agent, State Farm | Insurer | 4.7 | 4.8 | 4.8 | 89% |
| Marcus Murakami, agent, Allstate | Insurer | 4.7 | 4.7 | 4.8 | 88% |
| Mia Kim Migita, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| First Insurance Company of Hawaii | Agency | 4.6 | 4.6 | 4.7 | 86% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
Kahului Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Kahului’s area are Paul MacDonald, agent, State Farm, Brent Wylam, agent, Allstate and Brown & Brown Pacific Insurance Services.
Paul MacDonald, agent, State Farm (91% Recommend)
- Paul MacDonald ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Kahului service, clear quote help, and dependable Maui auto insurance guidance.
Brent Wylam, agent, Allstate (89% Recommend)
- Brent Wylam ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Paul MacDonald on support and value.
- Customer feedback and local agent signals support practical auto coverage help, accessible policy support, and clear guidance for Maui drivers.
Brown & Brown Pacific Insurance Services (88% Recommend)
- Brown & Brown Pacific ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, matching Brent Wylam on support.
- Customer feedback and agency network signals point to local Maui office access, broader carrier support, and practical coverage guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Paul MacDonald, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Brent Wylam, agent, Allstate | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Brown & Brown Pacific Insurance Services | Broker | 4.7 | 4.7 | 4.8 | 88% |
| Mark Zion, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| First Insurance Company of Hawaii | Agency | 4.6 | 4.6 | 4.7 | 86% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
End Note
Meeting the legal minimum keeps you driving, but island congestion, shipping delays, and uninsured drivers can lead to bills that go beyond those limits.
Match your coverage to what you own and what a real crash can cost in Hawaii, not just what the law requires.