BudgetAutoRates affordability gauge: Hawaii premiums vs state median income. Lower claim costs than most states keep the needle toward the green.
| Company | Liability / mo | Full coverage / mo | Best for |
|---|---|---|---|
| State Farm | $31 | $99 | Overall cheapest |
| GEICO | $34 | $108 | Digital-first drivers |
| Progressive | $40 | $126 | High-risk / SR-22 |
| Allstate | $46 | $146 | Bundling home + auto |
| Farmers | $50 | $159 | Agent relationships |
| Liberty Mutual | $55 | $173 | Custom coverage add-ons |
Illustrative estimates for layout and comparison purposes; see our methodology.
Hawaii requires liability coverage on every registered vehicle. The legal floor:
Minimum coverage keeps you legal, not necessarily solvent: the average new truck costs more than $20,000 to replace, so one at-fault accident can outrun your property-damage limit.
Increased from 20/40/10 effective Jan 1, 2026 (new/renewal policies); no-fault state, $10k PIP required.
Minimums cross-checked against Insurance Information Institute and state DOI sources, July 2026; see our methodology. Rules change; verify current minimums with your state's Department of Insurance.
Hawaii rates average about 20% below the national average, near $50/mo for liability and $159/mo for full coverage. Lighter traffic, fewer claims, and lower repair costs keep pricing down, and comparing 3 or more quotes can push your rate lower still.
Penny asks:"What does skipping coverage really cost in Hawaii?" Scout answers:"Fines, license suspension, SR-22 filings, and reinstatement fees, with exact amounts set by state law. A minimum policy is cheaper than the paperwork. Verify penalties with the Hawaii Department of Insurance."
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