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HI Auto Insurance - Get Cheap Hawaii Car Insurance Rates

Hawaii Insurance Information

Hawaii is the United States' last state. It officially became a state in 1959 and is the only state that consists entirely of islands. Hawaii has a tropical climate and rich history of island culture. The original inhabitants were Polynesian settlers, arriving on the island around 300 BCE. There were many battles between the tribes and immigrants that later arrived. Around the turn of 1900, the annexation began and ended with Hawaii becoming a state before 1960. It has been inhabited by a population well over 1 million people since then. North American and Asian influence is apparent on the island, which has maintained its tropical island charm. The land is made of volcanic matter and many active and dormant volcanoes can be seen on the islands. Hawaii is a highly desired place to live and to visit. Its climate, beaches, cost of living and plentiful natural resources make it an optimal choice for tourism and relocation.

There are several different types of car insurance offered in Hawaii. Having a good and complete Hawaii auto insurance policy is not only helpful, but mandatory. Tickets for driving without insurance are a costly mistake and will result in fines and having to carry an SR-22 for several years. Weather on these islands is unpredictable and during the monsoon season, there is substantial flooding in many areas. Flooding damages and completely ruins many cars each year in this state, so it is important to purchase flood insurance in addition to the legal minimum insurance requirements. Roads in the larger cities in Hawaii are congested with tourists and residents. Since visitors are not accustomed to some of the different driving rules and traditions in Hawaii, there are quite a few fender-bender accidents each year. This is when a solid Hawaii car insurance policy is helpful. From Waikiki Beach in Honolulu to the pineapple plantations in Kapalua, Maui - This is truly one of the most beautiful places in the country to visit.

Another common factor that demands a solid insurance policy is the unpredictable conditions of roads outside of cities. They are often washed out, flooded or muddy and cars receive extensive damage from them. Traveling on these unreliable roads for work is sometimes necessary, despite their hidden dangers to a car. Going without insurance in Hawaii is very risky. As mentioned, there are many accidents in the cities and unpredictable roads are the culprit of many damage claims. Don't risk driving without insurance. For a free Hawaii auto insurance quote, just fill out and submit the simple information form on this page. With a few simple clicks, a free Hawaii car insurance quote will be obtained; the only step left is to choose the most suitable company for personal preferences.

Hawaii Population Data At-a-Glance

1,374,810 total population
38 average citizen age
98 males per 100 females
1 number of cities with > 100,000 residents
Honolulu largest city in the state

Vital Hawaii Insurance Facts

When operating a vehicle in The Aloha State, it is important to understand the laws that govern the land. We have made it extremely easy to compare and contrast Hawaiian insurance statistics with other localities. You can peruse state averages to see how the cost of your insurance policies compares to other drivers. If your premium costs more, why not compare rates to see how much you can save?

Average Annual Hawaii Insurance Premium Payment


About $109.75/Month. Hawaii ranks as the 19th most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?


State Minimum Coverage Requirement


Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)


Or About 151,229 Uninsured Drivers in the State of Hawaii

HI Licensing Rules & Regulations

It is very important to adhere to the licensing rules and regulations in Hawaii to avoid confrontations with the local authorities. Make sure your driver license is current at all times. If you are a young driver or know someone who is, make sure you are aware of the licensing requirements based on age.

Learner's Permit

15.5 Years

Unrestricted License

17 Years

Renewal Frequency

8 Years

Safety Requirements, Handheld Devices in Hawaii

Anytime you use a cell phone or other type of handheld device while driving in the Aloha State, you are risking potential fines. Use judgment while driving to avoid getting penalized. Make the effort to remember to wear your seatbelt at all times in the automobile.

Seatbelt Offenses


Motorcycle Helmets

17 and Under

Handhelds Banned?


Text-Messaging Banned?


Hawaii Impaired Driving Laws

Driving while under the influence of drugs and alcohol is a serious offense in Hawaii. If you are caught, chances are you will be subjected to hefty fines and a possible jail sentence. In order to be safe, call a cab or rely on a trusted designated driver to get you home.

Under 21 Limit


Individual Limit


Extreme Limit


Financial Penalty Estimate


Minimum License Suspension

90 Days

Maximum Jail Sentence

5 Days

SR-22 Required?


Open Container Law