Auto Insurance in Hawaii
The average car insurance cost in Hawaii is $1,295 per year for full coverage. Hawaii requires minimum liability coverage of 20/40/10. The state's uninsured driver rate is 3.5%, which is below the national average of 12.6%.
Top auto insurers in Hawaii: GEICO, First Insurance, State Farm. We recommend comparing quotes from at least 5 companies, as rates can vary by 50% or more between insurers for the same driver profile.
Home Insurance in Hawaii
Homeowners insurance in Hawaii averages $1,210 per year for $300,000 in dwelling coverage. This is below the national average of $1,820/year. Rates are influenced by natural disaster risk, construction costs, and local claim frequency in the West region.
Health Insurance in Hawaii
The average individual health insurance premium in Hawaii is approximately $440/month before subsidies through the ACA marketplace. Many Hawaii residents qualify for premium tax credits that reduce this cost to $50-$200/month.
Minimum Insurance Requirements
Hawaii requires all drivers to carry minimum liability insurance of 20/40/10. This means: $20,000 per person for bodily injury, $40,000 per accident total for bodily injury, and $10,000 for property damage per accident. While these minimums are legally sufficient, most financial advisors recommend 100/300/100 coverage.
Top Insurance Companies in Hawaii
The largest and most popular insurance companies in Hawaii include:
- GEICO — Market leader in Hawaii
- First Insurance — Competitive rates and strong service
- State Farm — Popular choice with good coverage options