Hawaii
- ~$45–$60
- ~$105–$130
- $20K/$40K/$10K + $10K PIP
Hawaii offers a unique insurance landscape with lower premiums, no-fault protections, and high carpool and transit use in urban areas. While island geography reduces high-speed accidents, tourism, narrow roads, and inter-island driving needs keep risks high enough to justify full coverage for most drivers, especially on Oʻahu.
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Hawaii Auto Insurance Facts *
Drivers
- ~960,000–980,000 licensed drivers as of 2023.
- Driver density highest on Oʻahu (Honolulu County).
- ~91% of households own at least one vehicle.
- Compact car usage is higher than average due to space constraints.
- Uninsured driver rate is ~10%.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~10,750 | ~4,500 | 117 |
| 2019 | ~10,300 | ~4,200 | 108 |
| 2020 | ~9,000 | ~3,400 | 85 |
| 2021 | ~10,100 | ~4,000 | 85 |
| 2022 | ~10,800 | ~4,300 | 117 |
Laws & Regulations
- No-Fault state.
- Strict enforcement with electronic verification.
- Credit score cannot be used for rate calculation.
