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Hawaii Car Insurance Cost Estimator
Rough estimate, not a quote. No personal information is collected or stored.
Did you know? Hawaii law (HRS §431:10C-207) bans insurers from setting your premium by age, sex, length of driving experience, credit score, or marital status. That is why this estimator never asks your age.
County is shown for context only. No reliable county price table exists yet under Hawaii’s new county-based rating rules, so it does not change the estimate.
How this estimate works
Base rates: State minimum 40/80/20 + $10,000 PIP: $536/year (Luva, Nov 2026). Recommended 100/300/100 + collision and comprehensive, $500 deductible: $1,757/year (Insure.com, 2026). Same with $1,000 deductible: $1,493/year.
Driving record: 1 speeding ticket ×1.20, 1 at-fault accident ×1.44, DUI ×3.49 (Insure.com 2026; note the speeding-ticket figure is disputed — other sources put it at +97 to 101%, this estimator uses +20%, the most recent).
Mileage: under 7,500 miles a year ×0.90.
Discounts: bundle home and auto 10% off, pay in full 5% off, good student 15% off, defensive driving 10% off, military 15% off; combined discounts capped at 30% (planning judgment, not a carrier rule).
County: shown for context only; it does not change the estimate because no reliable county price table exists yet.
This is a rough estimate, not a quote. Your actual premium depends on your carrier, vehicle, driving record, and county. Confirm with a licensed Hawaii insurance agent.