$1,123
Avg. Auto Insurance/Year
37% below national avg
$1,234
Avg. Home Insurance/Year
32% below national avg
#49
Cost Ranking (Most Expensive)
20/40/10
Minimum Liability Required
📰 For Journalists & Bloggers:
You may cite this data with attribution to InsureCompare.
Citation: "According to InsureCompare's 2025 State Insurance Rate Report,
the average Hawaii driver pays $1,123 annually for car insurance,
which is 37% below the national average."
Source: InsureCompare.com
How Hawaii Compares to National Average
Auto Insurance
Hawaii: $1,123 vs National: $1,771
Home Insurance
Hawaii: $1,234 vs National: $1,820
Hawaii Minimum Insurance Requirements
| Coverage Type |
Minimum Required |
Recommended |
| Bodily Injury (per person) |
$20k |
$100k+ |
| Bodily Injury (per accident) |
$40k |
$300k+ |
| Property Damage |
$10k |
$100k+ |
Cheapest Car Insurance Companies in Hawaii
| Company |
Avg. Annual Rate |
vs State Avg |
| GEICO |
$920 |
-18% |
| USAA (Military) |
$842 |
-25% |
| Progressive |
$988 |
-12% |
| State Farm |
$1,066 |
-5% |