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How Much is Car Insurance in Hawaii?

Published in Hawaii Car Insurance Costs 3 mins read

Car insurance costs in Hawaii vary based on the level of coverage, but on average, drivers can expect specific price points for minimum and full coverage.

In Hawaii, the average annual cost for car insurance is $1,587 for full coverage and $391 for the minimum required coverage.

Average Annual Car Insurance Costs in Hawaii

Coverage Type Average Annual Cost
Full Coverage $1,587
Minimum Coverage $391

Understanding Car Insurance Coverage Types

When considering car insurance, it's important to differentiate between the two main types of coverage typically discussed:

  • Minimum Coverage: This refers to the state-mandated liability insurance that all drivers in Hawaii are required to carry. This coverage helps pay for damages or injuries you might cause to other people or their property in an at-fault accident. It does not cover damages to your own vehicle. For detailed information on Hawaii's specific minimum requirements, you can refer to official state insurance resources.
  • Full Coverage: While not a single policy, "full coverage" is a common term indicating a policy that includes the state's minimum liability requirements along with collision and comprehensive coverage.
    • Collision coverage helps cover the cost of repairs to your own vehicle if it's damaged in an accident, regardless of who is at fault. This includes hitting another car, a stationary object, or even a rollover.
    • Comprehensive coverage protects your vehicle from non-collision incidents. This can include damage from natural disasters (like hurricanes or floods, relevant in Hawaii), fire, theft, vandalism, falling objects, or hitting an animal.

Factors Influencing Your Car Insurance Premium

While the average costs provide a good benchmark, your personal car insurance premium in Hawaii can vary significantly based on several individual factors:

  • Your Driving Record: A history free of accidents, speeding tickets, or other moving violations often results in lower premiums.
  • Type of Vehicle: The make, model, year, safety features, and even the likelihood of theft for your specific vehicle can influence its insurance cost.
  • Location Within Hawaii: Premiums can differ based on your specific zip code or neighborhood, influenced by factors like local traffic density, theft rates, and accident statistics.
  • Age and Driving Experience: Generally, younger, less experienced drivers or those newly licensed tend to pay more for insurance.
  • Deductibles and Coverage Limits: Choosing a higher deductible (the amount you pay out-of-pocket before insurance kicks in) can lower your premium. Similarly, the amount of coverage you choose to purchase beyond the minimums will affect your cost.
  • Credit-Based Insurance Score: In many states, your credit history can play a role in determining your insurance rates, with better credit often leading to lower premiums.