State profile · HI · CMS + NAIC
Hawaii marketplace insurers denied 27.0% of claims (2nd of 30 states); drivers average $888/yr for auto cover, #47 nationally by cost.
The verdict
Marketplace insurers in Hawaii deny 27.0% of claims - above the 20% national average, the 2nd-highest of 30 states, and drivers pay an average $888 a year for auto cover, less than the $1191 national average (the 47th-most-expensive of 51 states).
2019: $840 average expenditure
$840 avg expenditure
2020: $811 average expenditure
$811 avg expenditure
2021: $819 average expenditure
$819 avg expenditure
2022: $844 average expenditure
$844 avg expenditure
2023: $888 average expenditure
$888 avg expenditure
What this shows Hawaii drivers' average auto cost rose 6% between 2019 and 2023.
Year over year, Hawaii's average auto expenditure rose 5.2% from 2022 to 2023, part of a 6% increase (+$48) since 2019. See the full 5-year state-by-state comparison.
Hawaii auto rates in detail →Hawaii: $888/yr average auto expenditure (this state)
$888 avg expenditure
Wisconsin: $922/yr average auto expenditure
$922 avg expenditure
Vermont: $893/yr average auto expenditure
$893 avg expenditure
Iowa: $869/yr average auto expenditure
$869 avg expenditure
Idaho: $864/yr average auto expenditure
$864 avg expenditure
2 insurers reporting marketplace claims in Hawaii
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | Hawaii Medical Service Association D | 727,519 | |
| 2 | Kaiser Foundation Health Plan, Inc. A | 13,139 |
Among carriers with enough reported claims to compare, Hawaii's highest marketplace denial rates in this dataset belong to Hawaii Medical Service Association (27.3%) and Kaiser Foundation Health Plan, Inc. (7.3%). A high rate often reflects utilization-review intensity and network design, not just claim legitimacy -- check the carrier's own profile before drawing conclusions.
The reported-claims sample is highly concentrated: the 2 largest insurers account for 100% of the 740,658 claims represented here. That makes the statewide rate especially sensitive to the mix and experience of a few reporting carriers. Only insurers with at least 1,000 claims in the CMS filing are included, so this is a description of the available dataset rather than the full insurance market.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Reporting-sample shape
The 2 largest reporting insurers represent 100% of the 740,658 claims in this page's CMS sample. That concentration means the statewide rate can be strongly affected by a few carriers and their plan mix.
Marketplace claims filing
Hawaii's reporting insurers denied 27.0% of submitted marketplace claims, ranking 2nd among the 30 states with a comparable federal filing. This is a carrier-reported claims measure, not a consumer-complaint rate or a prediction of how an individual claim will be resolved.
Auto-cost position
Hawaii's 2023 average auto expenditure was $888, 47th of 51 jurisdictions by cost and 25.4% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Hawaii is one of 12 no-fault auto-insurance states: drivers file injury claims with their own insurer's Personal Injury Protection coverage regardless of who caused the accident, rather than suing the at-fault driver. Hawaii's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Hawaii's closest peers in PlainInsurer's dataset are Vermont ($893/yr) and Iowa ($869/yr) -- both within a few dollars of Hawaii's own $888/yr.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.