Hawaii Auto Insurance Rates
Median premium: $670/6mo across 9 carriers and 137 ZIP codes.
Premiums range from $402 to $1,128 — a 2.8x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$670
per 6 months
ZIP Codes
137
with rate data
Carriers
9
rated in HI
Price Spread
2.8x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Allstate | $424 | 137 ZIPs | 100% | |
| 2 | State Farm | $604 | 0 ZIPs | 0% | |
| 3 | GEICO | $620 | 0 ZIPs | 0% | |
| 4 | USAA | $636 | 0 ZIPs | 0% | |
| 5 | Farmers | $670 | 0 ZIPs | 0% | |
| 6 | Nationwide | $682 | 0 ZIPs | 0% | |
| 7 | Travelers | $694 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $713 | 0 ZIPs | 0% | |
| 9 | Progressive | $1,128 | 0 ZIPs | 0% |
Geographic Insights
Cheapest Cities in Hawaii
| City | Avg Median | ZIPs |
|---|---|---|
| Honolulu | $402 | 41 |
| Jbphh | $402 | 2 |
| Wheeler Army Airfield | $402 | 1 |
| Schofield Barracks | $402 | 1 |
| Fort Shafter | $402 | 1 |
Most Expensive Cities in Hawaii
| City | Avg Median | ZIPs |
|---|---|---|
| Waipahu | $670 | 1 |
| Waimea | $670 | 1 |
| Waimanalo | $670 | 1 |
| Wailuku | $670 | 1 |
| Waianae | $670 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$670/6mo
96797 (Waipahu)
Cheapest ZIP
$402/6mo
96801 (Honolulu)
2.8x
Price Spread
The most expensive ZIP in Hawaii costs 2.8x more than the cheapest. Your ZIP code matters more than you think.
Hawaii Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Hawaii
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Access ZIP-level rate data across all 9 carriers, 137 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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