State profile · HI · CMS + NAIC
Insurance in Hawaii
How health insurers handle claims in Hawaii, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 23.8%
- Avg claims denied
- #6
- denial rank of 31
- $888
- Avg auto / yr
- +6%
- Auto, 5-yr
- 2
- Insurers w/ data
The verdict
Marketplace insurers in Hawaii deny 23.8% of claims — above the 21% national average, the 6th-highest of 31 states, and drivers pay an average $888 a year for auto cover, less than the $1191 national average.
- 23.8%
- avg claims denied
- #6
- of 31 states
- $888
- avg auto / yr
- 24%
- highest (Hawaii Medical Ser)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Health insurers in Hawaii, by denial rate
2 insurers reporting marketplace claims in Hawaii
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | Hawaii Medical Service Association D | 677,717 | |
| 2 | Kaiser Foundation Health Plan, Inc. A | 15,008 |
Auto insurance in Hawaii
Auto premiums in Hawaii are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $840 average expenditure
$840 avg expenditure
- 2020
2020: $811 average expenditure
$811 avg expenditure
- 2021
2021: $819 average expenditure
$819 avg expenditure
- 2022
2022: $844 average expenditure
$844 avg expenditure
- 2023
2023: $888 average expenditure
$888 avg expenditure
What this shows Hawaii drivers' average auto cost rose 6% between 2019 and 2023.
What the data shows for Hawaii
Hawaii's marketplace insurers denied 23.8% of submitted claims in the CMS data, the 6th-highest rate of the 31 states with federal marketplace filings. Denial rates this far above the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Hawaii pay an average $888 a year — less than the $1191 national average — split across $464 liability, $417 collision and $117 comprehensive premiums. That figure has moved up 6% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Hawaii can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Hawaii residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Hawaii's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.