Hawaii auto insurance averages - $888.07 per year in 2023, ranked #47 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Hawaii sits below the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $888.07 ▲5.2% | $464 |
| 2022 | $843.84 ▲3.0% | $451 |
| 2021 | $819.11 ▲1.1% | $449 |
| 2020 | $810.54 ▼3.5% | $451 |
| 2019 | $839.70 | $479 |
Evidence lead: Five-year movement
Hawaii's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Five-year movement
Hawaii's +5.8% change ranks #50 of 51, placing it in the slowest-moving end of the 2019–2023 distribution. That result is an endpoint comparison, not evidence that every intervening year was flat. Annual direction and the latest one-year move are reported separately.
2023 cost position
Hawaii records $888.07 in 2023 average expenditure and ranks #47 of 51. This lowest-cost tier describes the statewide blend in the NAIC table, not the cheapest available policy. Individual premiums can still sit far above or below the state figure because the source is an aggregate market measure.
Coverage-component signature
Hawaii's most distinctive 2023 component is comprehensive: $117.23, or 52.9% below the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Year-by-year shape
Hawaii fell -3.5% into 2020 and has climbed back since, but only part of the way: the 2023 average is above 2019 by a modest margin rather than the double-digit gain most states in this release recorded. The latest step is +5.2%, and the largest absolute move remains +5.2% in 2023.
Broad registry context
The companion registry spans 58 companies and 8,648 complaint records for Hawaii. Those counts rank #10 and #10 of 51, placing this lookup in the broadest coverage tier. Its scale supports a wide company comparison, but raw complaint volume is not a complaint rate and cannot explain the auto-expenditure result.
Nearest expenditure peers. By average expenditure, Hawaii's closest peers in this dataset are Vermont ($893.16) and Iowa ($869.46), both within a few dollars of Hawaii's own $888.07.
Note on state comparisons: These averages reflect the mix of coverages purchased in Hawaii, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
