Published car-insurance premium data for Hawaii (2026)
The lowest single filed rate anywhere in this survey is $195 and the highest is $1,913 — 9.8× apart, for defined hypothetical drivers.
Hawaii Department of Commerce and Consumer Affairs, Insurance Division · rates effective 1 January 2026 · annual premiums · 296 filed rates · retrieved 9 August 2026 · source document
- Driver profiles published
- 2
- Islands published
- 4
- Filed rates behind these pages
- 296
- Policy term
- annual
What Hawaii Insurance Division publishes, and why it looks like this
The Hawaii Insurance Division publishes annual premiums for 2 risk profiles — a clean driving record and the same driver with one speeding conviction — across the 4 island counties, from carriers covering almost the entire market.
The publication prints the same premiums three times: one full alphabetical table and two per-county subsets. Only the master table is read here, because reading the repeats would count the largest insurers three times over. Hawaii’s minimum financial-responsibility limits rose with legislation taking effect at the start of the current edition, so this edition’s coverage basis differs from its predecessor’s and no trend may be drawn across the two.
What these figures are, and what they are not
Each figure is computed from the premiums insurers filed with Hawaii Department of Commerce and Consumer Affairs, Insurance Division for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.
Minimum coverages: $40,000/80,000 Bodily Injury Liability; $20,000 Property Damage Liability; $10,000 Personal Injury Protection; $40,000/80,000 Uninsured Motorist Stacked; $40,000/80,000 Underinsured Motorist Stacked. Vehicle: 2024 Honda Accord, LX, 4-door sedan. The Insurance Division states these are sample premiums for licensed insurers transacting the majority of the private passenger auto market in Hawaii. Only the full alphabetical table is used: the publication repeats a per-county subset of the same premiums twice more (alphabetically, then sorted by clean-risk premium), and reading those repeats would count the largest insurers three times. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.
Every driver profile Hawaii Insurance Division publishes
| Driver profile | Combinations | Lowest filed | Median range | Highest filed |
|---|---|---|---|---|
| Clean risk Clean risk: Driver with clear driving record (no accidents and no traffic convictions) Usage: Pleasure Vehicle: 2024 Honda… | 4 | $195 | $462–$635 | $1,577 |
| One speeding conviction One speeding conviction: Driver with one speeding conviction (no accidents) Usage: Pleasure Vehicle: 2024 Honda Accord, LX,… | 4 | $262 | $632–$863 | $1,913 |
The other dimension of this survey
Hawaii Insurance Division rates 4 islands as well. Every one of them appears on the pages above, as a row inside each driver profile page. The transposed pages — one page per island, carrying every driver profile — are a later batch, and are named here rather than linked because they do not exist yet.
- Oahu
- Maui
- Kauai
- Hawaii
What Hawaii requires by statute
These filed rates are for the coverage the survey defines, which is not the same thing as the state’s legal minimum. Car-insurance requirements in Hawaii sets out what the statute obliges a driver to carry, with the citation and the effective date.
Questions about this data
- Are these car-insurance quotes for Hawaii?
- No. They are rates insurers filed with Hawaii Department of Commerce and Consumer Affairs, Insurance Division for driver profiles the regulator defined. They are not offers and not what any individual pays.
- Why is there no single average figure for Hawaii?
- Because a single figure hides the spread, and the spread is the finding. Across this survey the lowest filed rate is $195 and the highest is $1,913, both for defined hypothetical drivers.
- Are these annual premiums?
- Hawaii Department of Commerce and Consumer Affairs, Insurance Division publishes annual premiums. This site never converts between the two terms and never places one state's figures beside another's.
Source: Hawaii Department of Commerce and Consumer Affairs, Insurance Division, rates effective 1 January 2026. Retrieved 9 August 2026. 296 filed rates aggregated into 8 published distributions; no per-insurer figure is stored or shown.