The newest member to the United States is the world-famous Hawaii. “The Aloha State” is made up entirely of islands and hosts some of the world’s premier surfing championships. A Pacific paradise, Hawaii’s tourism is the booming business on the islands, and the residents welcome visitors like family. Although the big island is 4,000 square miles, not all of it is as drive-able as one might think. In fact, driving in Hawaii can be a challenge, and that’s why CheapCarInsurance.net has provided this article about Hawaii’s car insurance facts. This list can help keep driver’s protected in paradise.
How Much Does Car Insurance Cost on Average in Hawaii?
- State Minimum Liability in Hawaii costs $53 a month or $630 a year. Full coverage costs around $170 a month or $2,044 a year on average.
CheapCarInsurance pulls cost data from recent real time auto policy quotes across the state. Data is based on a driver profile of a single person with a clean driving record that is middle aged and drives a modern vehicle.
What are the Cheapest Hawaii Car Insurance Companies?
- The cheapest Hawaii car insurance companies on average are State Farm, USAA and 21st Century.State minimum liability car insurance starts at $31 a month or $370 a year. Full coverage car insurance starts at $110 a month or $1,316 a year with State Farm.
See our comparison data of cheap auto insurance providers and policy rates for state minimum liability and full coverage here:
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $370 | $31 | $1,316 | $110 |
| USAA | $372 | $31 | $1,637 | $136 |
| 21st Century | $557 | $46 | $1,838 | $153 |
| GEICO | $756 | $63 | $2,804 | $234 |
| Allstate | $1,041 | $87 | $2,747 | $229 |
Average Car Insurance Policy Costs by County & Vehicle Type
According to NAIC.org, Hawaii’s auto insurance premiums have jumped back and forth above the national average. The state’s average car insurance premium as a percentage of income remains below the national average. Here is a breakdown of the average costs of car insurance by the county in Hawaii you live in as well as the type of vehicle you drive in the state:
| Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Hawaii | $808 | $580 | $823 | $748 | $757 |
| Honolulu | $780 | $580 | $800 | $738 | $736 |
| Kauai | $714 | $509 | $724 | $660 | $667 |
| Maui | $825 | $595 | $845 | $762 | $772 |
Minimum Requirements for Car Insurance in Hawaii
- The Hawaii Department of Commerce and Consumer Affairs (DCCA) states that liability coverage is mandatory for all vehicles operated in the state.
- Liability Coverage minimums:
- $20,000 coverage for an accident involving a single bodily injury or death.
- $40,000 coverage for an accident involving multiple bodily injuries or deaths.
- $10,000 for property damage coverage.
- $20,000 coverage for personal injury.
- Failing to comply with Hawaii’s car insurance requirements can result in a citation and fines.
New Driver Licensing Requirements
- The Hawaii Department of Driver Services (DDS) requires every driver who operates a vehicle in the state to be licensed within 30 days of residency. For additional information regarding this section, refer to the Hawaii Driver’s Manual.
- Applicants ages 15 1/2 and over may obtain an Instructional Permit in order to allow them to learn how to drive. Applicants under the age of 18 must provide their parent’s or legal guardian’s signature on the application, and several restriction apply to the Instructional Permit:
- Must pass the vision and knowledge tests
- Must be accompanies by a licensed driver age 21 or older at all times
- The applicant’s parent(s) must accompany him/her when driving between the hours of 11 pm and 5 am.
- All occupants must wear safety belts.
- After possessing the Instructional Permit for 180 days, an applicant of at least 16 years of age may apply for a Provisional License. To obtain a provisional license, two requirements must be met:
- Complete an approved driver education course and provide the necessary certifications.
- Pass the road skills test.
- Once an applicant receives the provisional license, he/she may drive between 11 pm and 5 am only if accompanied by a licensed driver.
- All new applicants must hold a provisional license for six months prior to applying for a regular license regardless of age. Exceptions for this rule can be found at the Hawaii County website.
- Drivers who have successfully completed the preceding steps or who are over 18 years of age may obtain a regular Class C drivers license by completing the vision, knowledge and driving exams and paying the correct fees.
- Vision Exam. All driver applicants must have their vision tested to ensure they have a visual acuity of 20/40 with or without corrective lenses.
- Written Test. The written test consists of 30 multiple choice questions from the Hawaii Driver’s Manual. Information and practice tests can be accessed on the Hawaii DOT website.
- Road Skills Test. Hawaii administers the road test at select offices. For a list of offices, hours and locations, visit the Hawaii Finance Division website.
- Fees. All applicants must pay a $1 application fee, a $1 written test fee and a $10 road test fee. A provisional license has a $5 fee, and an instructional permit has a $10 fee. Regular drivers license fees vary by the length of validity:
- 1 year, $5
- 2 years (Age 72 and over), $10
- 4 years (Age 18 – 24), $20
- 8 years (Age 25 – 71), $40
DUI & DWI Laws
- BAC limit: .08 Hawaii law stipulates the penalties for a DUI conviction:
- First Offense:
- 14 hours of DUI School
- 1 year license revocation
- Ignition Interlock Device installed for the duration of the revocation
- 72 hours of community service, and/or
- 48 hours minimum and 5 days maximum imprisonment, and/or
- Minimum $150 and maximum $1,000 fine
- Second Offense within 5 Years:
- License revocation for minimum 18 months and maximum 2 years
- Ignition Interlock Device installed for the duration of the revocation
- Minimum 240 hours of community service, or
- Minimum 5 days and maximum 30 days imprisonment
- Minimum $500 and maximum $1,500 fine
- Surcharge of $25 paid to the Neurotrama Special Fund
- Possible surcharge of $50 to the Trauma System Special Fund
- Third Offense within 5 Years:
- 2 Year license revocation
- Ignition Interlock Device installed for the duration of the revocation
- Minimum 10 days and maximum 30 days imprisonment
- Minimum $500 and maximum $2,500 fine
- Surcharge of $25 paid to the Neurotrama Special Fund
- Possible surcharge of $50 to the Trauma System Special Fund
