Average Insurance Rates in Hawaii (2026)
A data-backed look at what drivers and homeowners pay in Hawaii, why costs differ from the national average, and how to save.
2026 auto insurance snapshot — Hawaii
2026- System: No-fault — your own PIP pays medical bills regardless of fault.
- Motorcycle liability insurance: required.
- NO-FAULT; mandatory PIP $10k.
Why Hawaii costs what it does
- No-fault auto system and restricted credit use
- Volcanic and hurricane exposure
- High building-material shipping costs
How to save on insurance in Hawaii
- Compare at least three quotes from licensed insurers before purchasing.
- Ask about multi-policy (bundling), good-driver, and home-safety discounts.
- Raise deductibles only if you can afford the out-of-pocket risk.
- Improve your home's resilience (roof, storm shutters) and driving record over time.
Estimate your own rates
Use our free calculators for a personalized estimate based on your profile:
Frequently Asked Questions
Why is Hawaii auto insurance cheap?
Hawaii bans credit-based insurance scores and operates a no-fault system, keeping auto expenditure among the lowest in the country.
Does Hawaii restrict credit-based insurance scores?
Yes. Hawaii prohibits credit-based insurance scores for personal auto rating.
What is the average auto insurance cost in Hawaii?
The 2024 full-coverage average auto premium in Hawaii is about $1,403 (NAIC/NerdWallet 2024 state table), which is 39% below the national average of $2,308.
How much is home insurance in Hawaii?
The Insurance Information Institute (Triple-I) 2021 average HO-3 premium for Hawaii is $1,299. InsurTool estimates the 2026 figure near $1,880 (III 2021 x 1.45 model, not a filed 2026 rate), about 8% below the estimated national average of $2,050.
How can I get a more accurate quote?
Use the free calculators linked below and compare at least three quotes from licensed insurers. Your actual premium depends on your specific home, vehicle, location, and history.
What are the minimum liability limits in Hawaii?
The legal minimum in Hawaii is 20/40/10 (bodily injury per person / per accident / property damage, in thousands of dollars). Most experts recommend carrying well above the minimum — a serious crash can exceed it quickly.
Is Hawaii a no-fault auto insurance state?
Hawaii is a no-fault state: your own Personal Injury Protection (PIP) pays your medical bills regardless of who caused the crash.
Sources: Auto — NAIC Auto Insurance Database Report (2023),naic.org. Home — Insurance Information Institute (Triple-I), 2021,iii.org. 2026 home values are InsurTool estimates based on the 2021 figure. Last updated August 2026.
2026 auto snapshot: NerdWallet (2026 average car insurance cost); Compare.com (2026 minimum state requirements); Jerry / Insurance Information Institute (no-fault vs at-fault states); motoinsure.co (2026 motorcycle insurance by state).
Figures are averages for comparison only and do not constitute financial advice. Confirm current rates with a licensed insurer in Hawaii.