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Cheapest Car Insurance in Hawaii

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 driveable as one might think. In fact, driving in Hawaii can be a challenge, and that’s why has provided this article about Hawaii’s car insurance facts. This list can help keep driver’s protected in paradise.


With constant volcanic activity throughout the Hawaiian Islands, the landscape is always changing. Car insurance laws and regulations seem to be in a state of constant change as well, and to help with this change, here are some of the most important facts regarding Hawaii’s car insurance information.

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


  • 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

Texting & Driving Laws

In Hawaii, all drivers are banned from handheld devices and texting. also states that Hawaii has banned all cell phone use for novice drivers.

Unique Laws

With a history as rich as that of Hawaii’s, ancient laws and modern laws do not always appear modernly applicable. One such law forbids men of a certain tribe to eat their second wives. Another such law, possibly dating from the 15th century, states that it is unlawful to sink the islands. It is unlawful to annoy any bird within the limits of a public park. And, one may ask what is the reason billboards are not seen while driving around the islands? They are outlawed!


Best Cheap Car Insurance Quotes for Hawaii

Honolulu City-County Car Insurance

A consolidated city and county, Honolulu is the capital of Hawaii and home to nearly 1 million, which is about 70 percent of the state's total population. It encompasses the Island of Oahu plus a number of outlying islands. In fact, the state specifies that any island or islet not belonging to another county is considered part of Honolulu.

Honolulu is the location of more than 100 world renowned beaches as well as Hawaiian Airlines, Island Air and the now dissolved Aloha Airlines. Its largest museum, Bishop Museum, contain the world's largest collection of Hawaiian and Pacific cultural artifacts. Among the most noted points of interest for visitors is the USS Arizona Memorial, accessible via boats from Pearl Harbor. The USS Missouri is now a museum ship moored at Pearl Harbor.

County Sedan Suv Coupe Truck Hybrid

Hawaii County Car Insurance

Located on what is called the "Big Island," or the Island of Hawaii, Hawaii County is home to an estimated 185,000. It is by far the largest county in the state, making up more than 62 percent of Hawaii's total land area, meaning it is larger than all other counties combined. Its county seat is the community of Hilo.

The world's most active volcano, Mauna Loa, is located on the island, and is believed to have been erupting for at least 700,000 years. It is located within Volcanoes National Park along with Kilauea. The Big Island is also home to popular snorkeling site, Hapuna Beach and Kahalu'u Beach Park.

County Sedan Suv Coupe Truck Hybrid

Maui County Car Insurance

Four islands make up Maui County: Maui, Molokai, Lanai and Kahoolawe. Collectively, they are called Maui Nui, which means "Big Maui." Most of the county's 144,000 residents live on Maui.

Among its most popular points of interest for visitors are the world's largest dormant volcano, known as Haleakala Crater, plus Kaanapali Beach and the old whaling town of Lahaina. Meanwhile, the Island of Molokai is known as the most "Hawaiian" isle. Its east end is a tropical rainforest, and the island is home to the world's highest sea cliffs, Hawaii's longest waterfall and the largest white sand beach in the state.

County Sedan Suv Coupe Truck Hybrid

Kauai County Car Insurance

Encompassing the islands of Kauai, Niihau, Lehua and Kaula, Kauai County totals 1,266 square miles, more than half of which is water. The total population is nearly 64,000, the majority of which lives on Kauai Island, considered the least commercially developed of all the islands.

Waimea Canyon and the Nounou Trails through the Sleeping Giant mountain ridge are popular hiking destinations. Also popular are tours of the Grove Farm Homestead and Sugar Plantation Museum. Kauai Backcountry Adventure operates a variety of attractions, including a popular tubing tour using former canals and channels designed to irrigate the many sugar cane fields in and around Lihue.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Maui$825.00$595.00$845.00$762.00$772.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

According to, 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.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration has recorded Hawaii’s drunk driving fatalities as above the national average. Although relatively high, the state is well below its peak of 45 in 2011.

Vehicular Theft in Hawaii

Hawaii’s vehicle theft dropped from more than 324 in 2011 to below 260 in 2012. In 2014 it was back up to almost 275, according to the FBI. A downward trend was evident from 2011 to 2012 but the statistics have been steadily climbing since then. Hawaii is far above the national average.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversState Farm
Young driversState Farm
Drivers with an at-fault crashState Farm
Retired driversState Farm
Military familiesUSAA


State Department of Insurance

Hawaii Department of Commerce and Consumer Affairs: Insurance
King Kalakaua Building
335 Merchant Street, Rm. 213
Honolulu, HI 96813
(808) 586-2790
(808) 586-2799
Get Directions

Department of Transportation

Hawaii Department of Transportation
Aliiaimoku Building
869 Punchbowl St.
Honolulu, HI 96813
(808) 587-2150
Get Directions

Department of Motor Vehicles

Hawaii Department of Driver Services
2206 East View Parkway
Conyers, HI 30013
(678) 413-8400
(678) 413-8500
(678) 413-8600
Get Directions

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