Average car insurance cost in Hawaii (2026)
Drivers in Hawaii pay an average of $126 a month for full coverage and $62 a month for liability only.
Full coverage / month
$126
Liability only / month
$62
Full coverage / year
$1,512
Liability only / year
$744
Cost rank
#42 of 51
1 = most expensive. Liability-only rank: #42.
Averages are a starting point. Estimate your cost in Hawaii
How Hawaii compares
The full-coverage average of $126 is 28% below the average across states ($174), and the liability-only average of $62 is 36% below the average across states ($98). Hawaii is one of the 10 least expensive places in our table. That is $175 a month below Maryland, the highest, and $41 above New Hampshire, the lowest.
Full coverage vs liability only in Hawaii
Full coverage costs $64 more per month than liability only in Hawaii, or $768 more per year. That gap is narrower than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Hawaii by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Wisconsin | $125 | $57 | -$1 |
| Indiana | $128 | $64 | +$2 |
| Tennessee | $132 | $60 | +$6 |
| New Mexico | $133 | $65 | +$7 |
| Ohio | $117 | $65 | -$9 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Hawaii averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $126 | $62 |
| Same driver, age 20-24 | $183 | $90 |
| Same driver, one ticket | $154 | $76 |
| Same driver, one at-fault accident | $179 | $88 |
| Same driver, sports car | $164 | $81 |
Frequently asked questions
How much does car insurance cost in Hawaii?
The average in Hawaii is $126 a month ($1,512 a year) for full coverage and $62 a month ($744 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Hawaii expensive compared with other states?
Hawaii ranks 42nd highest of the 50 states and D.C. for full coverage. Its full-coverage average is 28% below the average across states of $174 a month.
How much more does full coverage cost than liability only in Hawaii?
On average, full coverage costs $64 more per month in Hawaii, or $768 more per year. That is 103% more than the liability-only average.
How much could an at-fault accident change an estimate in Hawaii?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Hawaii rises from $126 to about $179 a month, or about $53 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.