The average cost of full coverage car insurance in Hawaii is $1,127 per year. It is a welcome drop compared to the national average ($1,674). The state-required minimum liability insurance is $345 per year, again much cheaper than the national average of $565 annually.
Car insurance rates are due to many factors, including age, gender, driving history, and other measures that are specific to individuals and the areas in which they reside. To find the cheapest car insurance in Hawaii, motorists should make sure they keep a pristine driving record.
What Is the Average Premium in Hawaii for Cheap Full Coverage Car Insurance?
The average monthly cost of full coverage car insurance in Hawaii is $94 per year or less than $100 per month. Full coverage adds collision car insurance and comprehensive auto insurance coverage to your liability policy.
Collision coverage covers damage to vehicle-on-vehicle impact over and above your liability car insurance, while comprehensive coverage covers damages for things outside of a car accident, such as theft, hail, and vandalism. For example, comprehensive coverage may reimburse you up to actual cash value if your vehicle is stolen.
To lower your car insurance premiums, we recommend working with your insurance provider to reduce coverages, increase deductibles, and take advantage of performance and policy-based car insurance discounts, such as bundling your auto and homeowners insurance policies or enrolling in a defensive driving course.
How Much Is It for Liability Insurance or the Minimum Required Car Insurance in Hawaii?
The average cost of minimum liability car insurance in Hawaii is $29 per month.
Liability car insurance consists of bodily injury/death liability insurance and property damage liability insurance.
Not all Hawaii drivers pay an average of $29 a month for the minimum required car insurance. Insurance quotes are subject to several factors, including age, gender, zip code, driving record, and policy adjustments, such as enrollment in autopay/paperless billing and bundling your auto and homeowner’s insurance policy.
How Do Rates Compare Across Major Cities in Hawaii?
Different cities in Hawaii pay slightly different rates. Drivers in heavily populated areas like Honolulu will pay more for car insurance, since there tend to be more accidents and personal injury lawsuits than sparsely populated towns.
Check out the monthly average rates paid by some of the more well-known cities in Hawaii below:
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.