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.
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.
