Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Jul 19, 2021

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Hawaii Statistics SummaryHawaii Statistics
Road Miles Total in State: 4,439
Vehicle Miles Driven: 10,174
Vehicles Registered: 1,350,438
Thefts: 3,879
State Population Estimated: 1,420,491
Most Popular Vehicle Tacoma
Uninsured Motorists10.60%
State Rank: 30th
Driving Fatalities Speeding: 50
DUI: 42
Average Annual Premiums Liability: $458.54
Collision: $313.17
Comprehensive: $101.56
Combined: $873.28
Cheapest ProviderGeico
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Hawaii is a state of wonders. The beautiful beaches enchant nearly everyone’s imagination. When you live in the area, you might get used to them, but there’s still something stunning about walking out and seeing lush mountains and gorgeous waters right in front of you.

There is a little known fact about Hawaii, though, that we need to address. Across the six islands that make up the state, you’ll find over a million registered vehicles. That’s more than you expected, isn’t it?

All of those drivers are in need of insurance — state law requires it. But finding car insurance in Hawaii can be difficult. You don’t always know what kind you need, and when you do figure it out, you have to compare rates between dozens of different providers.

In short, shopping for car insurance is stressful.

That’s why we’re here to help. Instead of making you run around and compare a bunch of rates on your own, we’ve gathered all the information you’ll ever need on Hawaii’s providers, driving laws, and fatalities here in this guide. Now you can much more readily peruse the rates available to you and choose the one that’ll best fit your lifestyle.

Ready to get started? Let’s explore Hawaii together and unravel the mysteries of local car insurance.

Don’t want to wait? You can enter your ZIP code into our FREE online tool to start comparing car insurance rates in your area.

Table of Contents

Hawaii Car Insurance Coverage and Rates

There are more car insurance plans in the world than there are shells in the sea — or so it seems. Trying to find the one that’s best for you without help is like trying to swim for the first time. You’re going to struggle until someone gives you the boost you need.

That’s what this section is for. We’re going to guide you through the different kind of car insurance responsibilities you have as a resident of Hawaii. Once you’ve got us keeping your afloat, it’ll be much easier for you to get a feel for the kind of policy you’re looking for.

Hawaii Minimum Coverage

Hawaii is a no-fault car accident state. This means that if you happen to get into an accident, you will be responsible for your own property damage or injury costs. It also means that the other party won’t be able to ask you to pay for their damages.

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This is a good thing and a bad thing. Hawaii’s no-fault status directly impacts the kind of insurance you’re supposed to have. Unlike a number of other states, Hawaii requires you to have minimum liability insurance alongside personal injury protection. If you’re lacking either of these types of coverage, you won’t legally be able to drive on Hawaii’s interstates.

Take a look at Hawaii’s breakdown of its required minimum liability insurance below:

Insurance TypeInsurance Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum
PIP/"No-Fault" Coverage$10,000 minimum
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As you can see, you’ll need the following coverage to drive in Hawaii:

  • $10,000 in personal injury protection
  • $20,000 for bodily injury for a single person
  • $40,000 in bodily injury for multiple people
  • $10,000 for property damage

Forms of Financial Responsibility

In addition to state minimum liability and personal injury protection, you’ll need to carry forms of financial responsibility — alternatively known as proof of insurance — on your person while on the road. These forms can protect you from being wrongfully fined in case of a traffic stop or collision.

Proof of insurance in Hawaii includes:

Premiums as a Percentage of Income

When you’re budgeting for your preferred car insurance premium, you’re going to have to keep your per capita disposable income in mind. Your per capita disposable income consists of the amount of money you have available to spend after you’ve paid your taxes.

The following table breaks down the average personal incomes that Hawaiians have seen over the past few years. It then compares those incomes to the average cost of full coverage in Hawaii:

YearFull CoverageDisposable IncomeInsurance as Percentage of Income
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As you can see, Hawaiians are expected to pay between 2.05 percent and 2.11 percent of their per capita disposable income towards their car insurance coverage.

Average Monthly Car Insurance Rates in HI (Liability, Collision, Comprehensive)

According to the National Association of Insurance Commissioners, core coverage in Hawaii ranges as follows:

Coverage TypeAnnual Costs
Combined $873.28
National Average$1,311
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That said, you should also note that these rates were originally determined in 2015. As of 2019 and beyond, you should anticipate paying more for all of these coverage types.

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Additional Liability

Hawaii’s uninsured driver problem isn’t as significant as other states’. The state ranks at number 30 out of 50 for uninsured drivers, with roughly 10 percent of the population driving without coverage.

While that number may seem low, it’s more than enough reason to consider purchasing additional liability coverage, like MedPay or Uninsured/Underinsured Protection.

Loss Ratio 201520142013
PIP (Personal Injury Protection) 63%62%61%
Medical Payments (Med Pay) 126%232%79%
Uninsured/Underinsured Motorist43%43%40%
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The above table makes note of the loss ratios that both Med Pay and Uninsured/Underinsured insurance have garnered in the past. These numbers are notable because they reveal how much money car insurance providers, on average, spend on claims versus how much they take in on premiums.

In short, the closer a loss ratio is to 100 percent, the more claims the company in question pays. That said, a company with a 100 percent loss ratio is also losing money. Comparatively, companies with lower loss ratios aren’t paying out on their clients’ claims.

When shopping for car insurance, you’ll want to look for a company with a loss ratio somewhere in the 60 to 70 percent range.

Add-ons, Endorsements, and Riders

You can explore additional, optional coverage by considering some of the add-ons below. Click on the available links to learn more:

Average Monthly Car Insurance Rates by Age & Gender in HI

Some states have banned discrimination based on gender for car insurance rates, and this is one of those few states. As you can see the rate for males and females is the same, but the rate still varies with age.

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CompanyDemographicAverage Annual Rate
Allstate InsuranceMarried 35-year old female$2,173.49
Allstate InsuranceMarried 35-year old male$2,173.49
Allstate InsuranceMarried 60-year old female$2,173.49
Allstate InsuranceMarried 60-year old male$2,173.49
Allstate InsuranceSingle 17-year old female$2,173.49
Allstate InsuranceSingle 17-year old male$2,173.49
Allstate InsuranceSingle 25-year old female$2,173.49
Allstate InsuranceSingle 25-year old male$2,173.49
Farmers Ins HI StandardMarried 35-year old female$4,659.38
Farmers Ins HI StandardMarried 35-year old male$4,659.38
Farmers Ins HI StandardMarried 60-year old female$4,659.38
Farmers Ins HI StandardMarried 60-year old male$4,659.38
Farmers Ins HI StandardSingle 17-year old female$5,077.15
Farmers Ins HI StandardSingle 17-year old male$5,077.15
Farmers Ins HI StandardSingle 25-year old female$4,659.38
Farmers Ins HI StandardSingle 25-year old male$4,659.38
Geico Govt EmployeesMarried 35-year old female$3,358.86
Geico Govt EmployeesMarried 35-year old male$3,358.86
Geico Govt EmployeesMarried 60-year old female$3,358.86
Geico Govt EmployeesMarried 60-year old male$3,358.86
Geico Govt EmployeesSingle 17-year old female$3,358.86
Geico Govt EmployeesSingle 17-year old male$3,358.86
Geico Govt EmployeesSingle 25-year old female$3,358.86
Geico Govt EmployeesSingle 25-year old male$3,358.86
Liberty Mutual FireMarried 35-year old female$3,179.89
Liberty Mutual FireMarried 35-year old male$3,179.89
Liberty Mutual FireMarried 60-year old female$3,179.89
Liberty Mutual FireMarried 60-year old male$3,179.89
Liberty Mutual FireSingle 17-year old female$3,218.54
Liberty Mutual FireSingle 17-year old male$3,218.54
Liberty Mutual FireSingle 25-year old female$3,179.89
Liberty Mutual FireSingle 25-year old male$3,179.89
Progressive DirectMarried 35-year old female$1,976.86
Progressive DirectMarried 35-year old male$1,976.86
Progressive DirectMarried 60-year old female$1,976.86
Progressive DirectMarried 60-year old male$1,976.86
Progressive DirectSingle 17-year old female$2,781.14
Progressive DirectSingle 17-year old male$2,781.14
Progressive DirectSingle 25-year old female$1,976.86
Progressive DirectSingle 25-year old male$1,976.86
State Farm Mutual AutoMarried 35-year old female$1,040.28
State Farm Mutual AutoMarried 35-year old male$1,040.28
State Farm Mutual AutoMarried 60-year old female$1,040.28
State Farm Mutual AutoMarried 60-year old male$1,040.28
State Farm Mutual AutoSingle 17-year old female$1,040.28
State Farm Mutual AutoSingle 17-year old male$1,040.28
State Farm Mutual AutoSingle 25-year old female$1,040.28
State Farm Mutual AutoSingle 25-year old male$1,040.28
USAAMarried 35-year old female$1,176.35
USAAMarried 35-year old male$1,176.35
USAAMarried 60-year old female$1,176.35
USAAMarried 60-year old male$1,176.35
USAASingle 17-year old female$1,228.38
USAASingle 17-year old male$1,228.38
USAASingle 25-year old female$1,176.35
USAASingle 25-year old male$1,176.35
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It’s not gender that has the most significant impact on your car insurance rates, as you can see — it’s age (except for teenage boys, but they’re an outlier in the data set).

As drivers age, premiums tend to even out. By the time drivers hit middle age, as you can see above, the premiums they’ll see should be balanced. In some cases, women even have to pay more than their male companions.

Cheapest Rates by ZIP Code

It’s not just age and gender than can impact the premium you’re offered. Your ZIP code can have a significant impact on your initial rate, as you can see below:

ZIP CodeAverageAllstate InsuranceFarmers Ins HI StandardGeico Govt EmployeesLiberty Mutual FireProgressive DirectState Farm Mutual AutoUSAA
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ZIP codes affect auto insurance because of factors like traffic, crime to name a few. Find out how your ZIP code stacks up in HI.

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Cheapest Rates by City

Your offered car insurance rate will also vary based on the city you live in:

Most Expensive CitiesAverage CostLeast Expensive CitiesAverage Cost
KAILUA KONA$2,859.11KOLOA$2,198.62
KEAUHOU$2,859.11LANAI CITY$2,263.39
OCEAN VIEW$2,859.11HANA$2,459.60
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Best State Car Insurance Companies

Now that you have a better idea of what factors can start to impact your available insurance rates, let’s take a look at the providers available to you in Hawaii. In this section, we’ll explore consumer experiences, third-party ratings, and the different variables that can alter your premiums with some of Hawaii’s most prominent providers.

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The Largest Companies’ Financial Ratings

A.M. Best measures the financial success of a car insurance provider depending on the state that the provider in question operates in. As you’ll see in the table below, A.M. best applies its grades based on a company’s loss ratio and market share:

Florida Providers (Listed by Size, Largest to Smallest): A.M. Best Rating:
Allstate A+
AmTrust NGH GroupA-
J. Whited Group (Windhaven)A-
Liberty MutualA
State FarmA++
Travelers GroupA
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Who are the largest car insurance companies in Hawaii?

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Companies with the Most Complaints in Hawaii

On the flip side of customer satisfaction comes customer complaints. While we shouldn’t always take complaints at face value, they’re a useful asset to consider when choosing a company to work with:

Insurance CompanyNumber of InsuredsNumber of Complaints ReceivedRatio of Complaints Per 1,000 Automobiles
21st Century Centennial/Farmers Insurance Hawaii67,600670.991
Allstate Insurance86,537230.266
DTRIC Insurance23,59440.170
First Insurance Companies55,12170.127
Hartford Underwriter's Insurance Company16,37050.305
Island Insurance Companies28,99230.103
Liberty Mutual 36,42520.055
Progressive 43,06430.070
State Farm 180,947170.094
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Cheapest Companies in Hawaii

Of course, we know that your budget is one of the biggest factors you have to consider when choosing a car insurance provider.

CompanyAverageCompared to State Average 
Allstate Insurance$2,173.49-$382.70-17.61%
Farmers Ins HI Standard$4,763.82$2,207.6446.34%
Geico Govt Employees$3,358.86$802.6823.90%
Liberty Mutual Fire$3,189.55$633.3719.86%
Progressive Direct$2,177.93-$378.25-17.37%
State Farm Mutual Auto$1,040.28-$1,515.90-145.72%
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Commute Rates by Company

The distance of your morning commute is going to impact your car insurance rate, as you can see below:

Group Commute & Annual MileageAnnual Average
Allstate10 miles commute. 6000 annual mileage.$2,035.52
Allstate25 miles commute. 12000 annual mileage.$2,311.46
Farmers10 miles commute. 6000 annual mileage.$4,763.82
Farmers25 miles commute. 12000 annual mileage.$4,763.82
Geico10 miles commute. 6000 annual mileage.$3,358.86
Geico25 miles commute. 12000 annual mileage.$3,358.86
Liberty Mutual10 miles commute. 6000 annual mileage.$3,189.55
Liberty Mutual25 miles commute. 12000 annual mileage.$3,189.55
Progressive10 miles commute. 6000 annual mileage.$2,177.93
Progressive25 miles commute. 12000 annual mileage.$2,177.93
State Farm10 miles commute. 6000 annual mileage.$1,040.28
State Farm25 miles commute. 12000 annual mileage.$1,040.28
USAA10 miles commute. 6000 annual mileage.$1,189.35
USAA25 miles commute. 12000 annual mileage.$1,189.35
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Some states have banned discrimination based on your credit score when it comes to auto insurance rates, and this is one of those States.

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Coverage Level Rates by Company

Your chosen level of coverage is going to impact the amount you’re expected to pay:

GroupCoverage TypeAnnual Average
Liberty MutualHigh$3,365.61
Liberty MutualMedium$3,193.05
Liberty MutualLow$3,009.99
State FarmHigh$1,108.19
State FarmMedium$1,042.97
State FarmLow$969.68
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Credit History Rates by Company

Fun fact! In Hawaii, it is illegal for insurance companies to ask you questions about your credit score when taking you on as a client. Even if you have a poor credit history, then, your car insurance rate won’t suffer for it.

Driving Record Rates by Company

Your driving history reflects both your knowledge of the rules of the road and your ability to work within them.

CompanyClean Record1 Speeding Violation1 Accident1 DUI
Liberty Mutual$1,697.57$2,124.22$2,124.22$6,812.19
State Farm$950.44$1,040.29$1,130.10$1,040.29
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As you might guess, high-risk drivers are charged more for their coverage than low-risk drivers.

Largest Car Insurance Companies in Hawaii

There are also some companies operating in Hawaii that have a significantly larger presence than others. We’ve broken down the marketing standing and loss ratios of those 10 largest companies so you can get a better idea of what they have to offer you in terms of protection:

Florida Providers (Listed by Size, Largest to Smallest): A.M. Best Rating:
Allstate A+
AmTrust NGH GroupA-
J. Whited Group (Windhaven)A-
Liberty MutualA
State FarmA++
Travelers GroupA
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Number of Insurers in Hawaii

Domestic and foreign insurers are titles that don’t use their titular terms in the traditional sense. Domestic providers are providers who are present only in a specific state. Foreign insurers, comparatively, are providers who make their policies available just about everywhere.

You can check out Hawaii’s divide in its domestic to foreign providers in the table below:

Property & Casualty InsuranceNumber
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Hawaii Driving Laws

Now that you’ve got a better idea of what kind of factors can change your rates, you might be leaning towards one insurer over the others. Don’t make a decision yet, though.

This next section dives into the laws and legalities that allow you to stay safe on Hawaii’s interstates. Here, we’ll talk about teen licensing, older vehicle licensing, and the ways you’re expected to protect yourself and the other people in your car.

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Car Insurance Laws

Hawaii has a number of laws in place that apply specifically to the way you can interact with your car insurance provider. Take a look at the section below to get a better idea of how you can work with an agency and what rights you have, as a driver.

Windshield Coverage

Unfortunately, the Hawaiian state government does not require car insurance providers to cover your broken windshield. However, it is illegal for you to drive in Hawaii with a fractured or busted front window.

You’ll need to talk to your provider about their comprehensive insurance plans to see whether or not they’ll allow you to include windshield coverage in your policy.

High-Risk Insurance

If you have a spotty driving history, you may have to seek out high-risk insurance. High-risk insurance, or an SR-22, is a type of insurance that high-risk drivers are required to add to their existing coverage after a conviction or similar punishment.

You may be required to get an SR-22 through the Department of Motor Vehicles if you’ve received any of the following:

  • DUI conviction
  • Reprimand for driving without insurance
  • Reprimand for driving with a suspended license
  • Reprimand for leaving the scene of an accident

Low-Cost Insurance

Hawaii does not offer car insurance programs for low-income families that would ease the pressure of paying for car insurance. However, drivers can seek out discounts to make the cost of insurance more bearable.

Be sure to ask your provider of choice if you or your family are eligible for any of the following:

  • Accident-Free Discount
  • Affiliation Discount (this would be any discounts through your employer, school, team, etc.)
  • Anti-Theft Discounts (i.e. if you have alarms, tracking systems, etc on your vehicle)
  • Auto-Pay Discounts (if you were to set up automatic payments from checking – some providers refer to it as a Paper-Saving Discount)
  • Good Student Discount
  • Homeowner’s Discount
  • Multi-car Discount
  • Green/Hybrid Car Discount (if you own/lease a hybrid or electric vehicle)

Be sure you shop around in order to find the best coverage for you that is equally cost-effective.

Automobile Fraud in Hawaii

It’s difficult to commit insurance fraud by accident.

That said, the insurance industry sees 10 percent of its operating costs go to enduring fraudulent claims or accounts over the course of a year.

There are two different types of automobile fraud.

  • Hard fraud sees a driver deliberately falsifying a claim or faking an accident in order to receive compensation
  • Soft fraud sees a driver padding a claim or misrepresenting accident information to an insurance provider

Soft fraud is the more common of these two types of fraud.

Even though you may think you’re just telling a white lie, soft fraud is considered a misdemeanor, and lying on your claim is considered a class 5 felony.

Statute of Limitations

A statute of limitations outlines the amount of time you have after an accident to file a claim for damages with your provider of choice. Take a look at Hawaii’s statute of limitations below:

  • Personal Injury: two years
  • Property Damage: two years

Vehicle Licensing Laws

Hawaii also has specific legislation dictating how a person can obtain and maintain their license. Take a look below to make sure that you’re complying with state law.

Real ID

You’d figure that your driver’s license would qualify as a REAL ID without any modifications, right? Not anymore.

Real ID is arriving in 2020. All Hawaiian drivers — and drivers throughout the United States — will need to have REAL ID to get on a plane, be the flight domestic or international.

Penalties for Driving Without Insurance

You might think that it’s cheaper to forgo car insurance so that you don’t have to pay bi-annual fees. This isn’t the case. It is illegal to drive in Hawaii without car insurance, and you can be heavily fined if you get caught doing so.

Take a look at the consequences in the table below:

Number of OffenseFineLicense SuspensionJail Time
1st Offense$500 or community service3 months or nonrefundable insurance policy in force for six monthsNo
2nd Offense$1,500 minimumOne year, or nonrefundable insurance policy in force for six monthsNo
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Teen Driver Laws

If you’ve got a teenager who’s just learning how to drive, or if you are a teen getting behind the wheel for the first time, congratulations! You should be aware that the Aloha State has a set of roadway rules that applies specifically to these first-time drivers, as you can see in the table below:

Young Driver Licensing LawsAge RestrictionsPassenger RestrictionsTime Restrictions
Learner's Permit: 15 years, 6 monthsPassenger must be licensed driver aged 21 or older supervising in front seat. Between 11 p.m. and 5 a.m., young driver must be accompanied by a parent or guardian. Teens must have 50 hours of driving practice, including 10 hours at night, with a parent or legal guardian, before obtaining provisional license.
Provisional LicenseMust be 16 years old and have held learner's permit for at least 6 months. Can drive alone but transport no more than one person under age 18 who is not a household member. May not drive between 11 p.m. and 5 a.m. unless accompanied by a licensed parent or guardian or driving to/from employment or to/from a school-authorized activity at the driver’s school. Between 11 p.m. and 5 a.m., they may not transport more than one person under 18 unless accompanied by a parent or guardian.
Full LicenseMust be 17 years old and have held provisional license for at least 6 months. None. None.
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Older Driver License Renewal Procedures

Older drivers, as you can see in the table below, are required to renew their permits a little differently than most drivers in Hawaii:

License renewal cycleGeneral population: 8 yearsOlder population: 2 years for people 72 and older
Mail or online renewal permittedGeneral population: by mail, limited to 2 consecutive renewals, but must appear in person at least every 16 yearsOlder population: by mail, limited to 2 consecutive renewals, but must appear in person at least every 16 years
Proof of adequate vision required at renewalGeneral population: every renewal Older population: every renewal
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License Renewal Procedures

The general, Hawaiian population is required to go through the following procedures to renew their licenses:

  • Complete your renewal within your eight-year cycle
  • Submit proof of adequate vision upon every renewal
  • You’re permitted to renew your license by mail for up to two consecutive renewals, after which you must visit the DMV at least once in person.

Rules of the Road

That covers legalities. Now let’s take a look at roadway courtesy and the kind of rules you should be aware of while driving in Hawaii.

Fault vs. No-Fault

As has been mentioned, Hawaii is a no-fault state. This means that both parties involved in an accident will have to attend to their own costs and that one party will not be determined to be responsible for the full cost of the accident.

This is both a good thing and a bad thing for some drivers. On one hand, having the responsible party pay for your damages saves your personal bank account. On the other hand, you’ll want to invest in more insurance in a no-fault state so as to better preserve your accounts.

Seat Belt and Car Seat Laws

Hawaii’s seat belt laws are reasonably straightforward. If your child is over the age of eight, they need to be secured by a seat belt — and so do you!

Comparatively, any child three years old or younger needs to be in a child safety seat. Children who are between the ages of four and seven can utilize booster seats. However, if your kiddos are over four feet and nine inches in height, or if they weigh more than 40 pounds, then they can use an adult safety seat in the back seats of your car.

Hawaii legislation also places limitations on who can ride in the cargo area of a pickup truck. If you meet the following qualifications, you can go right on ahead and fulfill your country music video dreams:

  • Anyone who is 13 years old or older may ride in the cargo area when there are no other seats available in the cab, and when the tailgate and side racks are shut.
  • Passengers may sit on the floor of a cargo truck so long as they do not disturb the cargo
  • Anyone many ride in the cargo area during a life-threatening emergency
  • Parade guests
  • Employees on duty

Keep Right and Move Over Laws

Keep right laws in Hawaii are about the same as they are in any other state. If you’re going the speed limit or at a pace that’s under the posted speed limit, you’ll need to stay on the right side of the highway. Likewise, you should only merge into the left lane if you’re looking to pass another driver or if indicated to do so by signage or a law enforcement representative.

Likewise, move-over laws in the state require you to move to the side of the road if you happen to see a state emergency vehicle. The vehicles you need to move over for include:

  • Law enforcement
  • Firefighters
  • Ambulances
  • Utility workers
  • Tow-truck drivers
  • Drivers with hazard lights on

Speed Limits

Who hasn’t dreamed about secretly being Speed Racer? Unfortunately, you need to leave those dreams in the realm of sleep. Compliance with Hawaii’s speed limits not only keeps everyone safe, but it prevents you from earning yourself a speeding ticket.

Hawaii’s posted speed limits break down as follows:

  • Rural Interstates: 60 MPH
  • Urban Interstates: 60 MPH
  • Limited Access Roads: 55 MPH
  • Other Roads: 45 MPH


The rise of Uber and Lyft have made it easier than ever for people to get to the places they need to go. These companies have also created a new industry for drivers across the United States. If you currently work with either company or one of their competitors, or if you’ve thought about using your vehicle for a job before, you’ll need to get ridesharing insurance.

At this point in time, there aren’t any providers able to provide drivers with car insurance that specifically addresses ridesharing. Make sure you speak to your employer and to a provider representative before signing on to work for either of the aforementioned ridesharing services.

Safety Laws

Last but not least, let’s touch on the legalities that impact drivers’ behavior while on the road.

DUI Laws

It can be tempting, with the beach so close, to over-drink once and a while. The last thing you want to do, though, is drink and drive. Hawaii has a number of laws in place designed to discourage intoxicated drivers from getting on the road. You can take a look at some of the consequences for drinking and driving in the table below:

Hawaii's DUI Laws
BAC Limit0.08
Criminal Status by Offense1st-3rd petty are misdemeanors. 4th+ are considered class C felony.
Formal Name for OffenseDriving Under the Influence (DUI) / Operating a Vehicle Under the Influence of an Intoxicant (OVUII).
Look Back Period/Washout Period5 years
1st Offense-ALS or Revocation1 year
1st Offense Imprisonment48 hours-5 days.
1st Offense-Fine$150 - $1000 + $25 to neurotrauma special fund + $25 to trauma system special fund if the court ordered.
1st Offense-Other14 hour minimum rehab program. May require 72 hours of community service. IID for 1 year
2nd Offense-DL Revocation 18 months-2 years if 2nd offense in 5 years.
2nd Offense-ImprisonmentMinimum 240 community service hours OR 5-30 days with 48 consecutive hours.
2nd Offense-Fine$500 - $1500 + $25 to neurotrauma special fund + $50 to trauma system fund if the court ordered. Additional $500 if there was a child in vehicle.
2nd Offense-OtherAbuse and education program required. IID during the revocation period.
3rd Offense-DL Revocation2 year revocation if received two convictions within the past 5 years.
3rd Offense-Imprisonment10-30 days. 48 hours must be served consecutively.
3rd Offense-Fine$500 - $2500 + $25 to neurotrauma special fund + $50 to trauma system fund if the court ordered. Additional $500 if child there was a child in the vehicle.
3rd Offense-Other240 minimum hours of community service. Abuse and education program required. IID required during the revocation period
Mandatory InterlockAll offenders.
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Do note that the legalities presented in Hawaii’s Revised Statute 291E-61 apply both to alcohol and to other decision-inhibiting products, like marijuana.

Distracted Driving Laws

With the advent of cellphones and the rise of the IoT, it’s tempting to be on your phone all the time. Hawaii’s government has taken steps to limit the amount of time drivers can spend on their phone, thereby promoting the safety of everyone in the state.

You should know that Hawaii has instituted an overarching ban on hand-held devices for drivers. Likewise, no driver is permitted to text while at the wheel of a car. Drivers under the age of 18 are also banned from using their cellphones for calls or texting while on the road.

Driving in Hawaii

Now that you’re more familiar with Hawaii’s roadway laws and expectations, you should feel as though you can drive a little more safely on its roadways.

This following section will touch on some of the obstacles that you might come to face while driving in Hawaii. While these numbers aren’t meant to scare you, they will let you know what kind of roadway behavior to expect from your fellow Hawaiian drivers.

Vehicle Theft in Hawaii

There are certain types of vehicles that are more likely to be stolen in Hawaii than others, as you can see in the table below:

Make/ModelYearNumber of Thefts
Honda Civic2000250
Honda Accord1994180
Ford Pickup (Full Size)2006154
Toyota Tacoma200386
Toyota Corolla200464
Toyota Camry200055
Toyota 4Runner199745
Nissan Frontier200444
Nissan Altima200442
Dodge Pickup (Full Size)200137
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Road Fatalities in Hawaii

There are more things for you to worry about in Hawaii, though, than vehicle theft. Take a look at the section below to learn more about the dangers that you might encounter while driving on any of Hawaii’s accessible islands.

Most Fatal Highway in Hawaii

If you’re driving down Hawaii’s interstates, you’ll want to take particular care on Route 11. This roadway circles around the Big Island and sees a significant amount of traffic on a daily basis. The route has a crash rate of 0.4, according to GeoTab. Keep your eyes peeled, though, and you should find that keeping yourself safe on the highway isn’t too difficult.

Fatal Crashes by Weather Condition and Light Condition

Different weather and light conditions can impact the way that drivers are able to operate on the road. Take a look at how both factors cause fatalities throughout Maine:

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
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Traffic Fatalities

Location also impacts the likelihood of a car accident, as you can see in the table below:

County NameTotal Fatalities 2013Total Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Hawaii County261321323513.576.6910.6716.1117.47
Honolulu County53534859495.385.364.835.944.96
Kalawao County000000.
Kauai County7838610.0511.344.2011.158.31
Maui County16212121179.9412.8512.7712.7010.22
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Fatalities by Person Type

Person type is also likely to impact fatality statistics. “Person type” here refers to a person’s relationship to a vehicle as opposed to any other demographic statistics.

TypeNumber of Fatalities
Traffic Fatalities 107
Passenger Vehicle Occupant Fatalities (All Seat Positions)59
Motorcyclist Fatalities25
Drivers Involved in Fatal Crashes144
Pedestrian Fatalities14
Bicyclist and other Cyclist Fatalities 6
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As you can see, passengers are the people most frequently involved in fatalities. Motorists are also high up on the list of potential fatality victims.

Fatalities by Crash Type

There are also specific crash types that most frequently result in fatalities:

Crash TypeNumber
Single Vehicle59
Involving a Large Truck9
Involving Speeding50
Involving a Rollover26
Involving a Roadway Departure60
Involving an Intersection (or Intersection Related)30
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Five-Year Trend for the Top 10 Counties

The table below relays the top 10 counties in Hawaii that happen to see the most accidents over the course of a year.

CountyTotal Fatalities 2013Total Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017
Honolulu County5353485949
Hawaii County2613213235
Maui County1621212117
Kauai County78386
Kalawao County00000
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Fatalities Involving Speeding by County

Hawaii sees its fair share of speeding-related fatalities over the course of a year, as you can see below:

County Name Fatalities - 20132014201520162017Fatalities Per 100K - 20132014201520162017
Hawaii County114912195.742.064.576.049.48
Honolulu County27192130252.741.922.113.022.53
Kalawao County000000.
Kauai County234412.874.251.405.571.39
Maui County5108853.
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Fatalities in Crashes Involving an Alcohol-Impaired Driver

Drinking and driving is never a good idea, even if the Hawaiian beaches make it seem more acceptable. While Hawaii has several laws in place designed to limit the amount of drinking and driving the state sees, it still sees a fair number of alcohol-related fatalities:

County NameFatalities - 201520162017Fatalities Per
100K Population - 2015
Maui County127137.34.237.82
Hawaii County78113.564.035.49
Honolulu County1719171.711.911.72
Kauai County1311.44.181.39
Kalawao County000000
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Teen Drinking and Driving

Note that the above statistics also include teen drivers. Hawaii ranks at number 28 in the nation for the arrests of teenagers who have been drinking and driving.

Teens and Drunk Driving
Alcohol-Impaired Driving Fatalities Per 100K Population1.4
Higher/Lower Than National Average (1.2)Higher
DUI Arrest (Under 18 years old)23
DUI Arrests (Under 18 years old) Total Per Million People74.67
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The good news is that Hawaii’s arrest rate is lower than the national average and that Hawaii sees fewer alcohol-related, teenage fatalities on average that the whole of the United States. Even so, seeing any statistics related to intoxicated teenagers getting into an accident should be sobering — in more ways than one.

EMS Response Time

Knowing that, after an accident, you can quickly be picked up by EMS makes the stress of those situations a little less overwhelming. The good news is that, in Hawaii, the response time of EMS between rural and urban areas is fairly close:

Type of CrashTime of Crash to EMS
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Rural Fatal Crashes314.4534.8648.79
Urban Fatal Crashes 3.137.5127.5436.38
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As you can see, while urban accidents will be responded to with more speed, you’ll likely reach a hospital in under an hour after your accident has occurred, regardless of where it takes place.


With all of that out of the way, let’s take a look at what traffic looks like on an average day in Hawaii.

Car Ownership

As is the case in most states across America, the average home in Hawaii sees two cars in its garage.

That said, the number of people who own a single car and the number of people who own three cars are reasonably close at roughly 20 percent of the population each.

Commute Time

Hawaiians spend roughly 25.8 minutes commuting to and from work on a daily basis. This comes in at just slightly about the national average, which is 25.5 minutes.

2.65 percent of employees in Hawaii also have to contend with the super commute, or a commute that lasts longer than 90 minutes at a time. At least the view is pretty, right?

Commuter Transportation

As you might expect, the vast majority of Hawaiians prefer to make their way and from work on their own. However, Hawaii sees more carpoolers than average, which means you may be able to double up with a work buddy to make it into work in the morning.

Traffic Congestion in Hawaii

According to the INRIX’s 2018 Global Traffic Scorecard, Honolulu is one of the more congested cities in the world. This city also ranks within the United State’s top five congested cities.

CityHours in CongestionCommute in Traffic: PeakCommute in Traffic: DaytimeCommute in Traffic: Overall
Honolulu, HI 3717%10%11%
Kaneohe, HI2816%10%11%
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While the Big Island isn’t all that small, it’s not difficult to imagine that traffic may get difficult to navigate before and after work.

And with that, we’ve come to the end of our guide to Hawaii’s car insurance providers. Hopefully, you’re now informed enough to choose a provider in the state that’ll meet all of your needs.

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