Hawaii Car Insurance Rates By Gender

The basic Hawaii car insurance rates by gender are $29.47/mo. There's no difference in car insurance rates by gender because such discrimination is illegal in Hawaii.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 31, 2021

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Here's what you need to know...

  • Hawaii’s laws make it difficult for insurance companies to have discriminatory practices for insurance pricing
  • Prices between genders do not vary in Hawaii, but price differences between companies can be extreme
  • Hawaii’s rates are generally cheaper than other states, but that means customers may not be getting as much coverage as they need

While women are usually the ones who get the bad part of the gender inequality deal, the case with car insurance is that men generally end up paying more money than women for the coverage they need.

While gender inequality is a problem in many different industries, it can be difficult for men to realize they are actually paying more for car insurance. But, are men actually paying more for car insurance or is it just a myth?

Make sure to compare rates with our FREE quote tool above today! 

Does Gender Affect Car Insurance Rates?

Controlled Test for Hawaii Car Insurance

To determine whether men pay more for car insurance in Hawaii or not, it is important to look at car insurance in a subjective matter.

By creating a control and a variable for a test, the results for car insurance are clear. For this test, a female and a male both received car insurance quotes.

Both of the subjects were 25 years old, had been driving for more than three years and had been insured throughout that time. They were both employed, single homeowners.

They both drove a 2012 Nissan Altima that had four doors. In the past year, they had received a single speeding ticket for going less than 15 miles per hour over the limit.

The coverage each subject requested was for the cheapest plan possible. They did not add any discounts, but the insurance agents may have automatically added coverage.

They received the quotes to not only compare the price of coverage between the different companies but to also determine the cost of coverage for males and females.

Hawaii is one of the only states that require car insurance companies to offer the same rates to both males and females. They do this to make an impact on gender discrimination and to show people they are able to actually have the same prices on things.

By doing this, Hawaii is setting a standard for other states that may not have gender equality in insurance laws set up.

The insurance companies are subject to a fine if they charge males and females different amounts for the insurance coverage they have to offer.

The test can help determine whether insurance companies are actually in compliance in Hawaii when it comes to the discrimination standards that were put into place to guarantee men or women didn’t pay more than the other would for the car insurance coverage they need.

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How Much Is Car Insurance In Hawaii Per Month?


Male Rates: $29.47/mo (basic); $35.55/mo (choice)

Female Rates: $29.47/mo (basic); $35.55/mo (choice)

Geico generally has cheaper coverage for males than females. They only offer two different options for their car insurance, and they do not offer any major discounts on the insurance since they believe their prices are so low already.

In addition, there is no comp or collision coverage in any of the quotes that they give to people who are shopping around for insurance.

When a female wants to be covered with the first option Geico offers, she would have to pay $29.47 per month. The total cost for the full six month period would be $146,80. The cost for a male is identical and there is no difference in the prices between males and females.

For the second type of coverage that Geico offers to all of their insureds, the cost for a female would be $35.55 per month.

The total over six months would cost the female $183.30. The cost for a male is identical. Because of this, there is no difference in price for males and females.

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  1. http://cca.hawaii.gov/ins/consumer/mvi/
  2. http://scholarship.law.nd.edu/cgi/viewcontent
  3. https://www.geico.com
  4. https://www.progressive.com


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Average Monthly Car Insurance Rates by State