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. The average cost of a standard auto policy for males and females in Hawaii is the same, but there may be some differences depending on your driving record or credit history. 

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Nov 16, 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 affordable auto insurance 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.


Male Rates: $42.68/mo (basic); $42.68/mo (choice); $ 61.35/mo (recommended)

Female Rates: $42.68/mo (basic); $42.68/mo (choice); $ 61.35/mo (recommended)

Progressive generally has higher rates for males than females who are insured through them. The company is known for offering lower rates to women because they believe they are less of a risk.

In Hawaii, though, Progressive is not legally allowed to advertise or offer cheaper quotes to women on the basis of gender alone.

The test will determine whether Progressive is in compliance with the law that is in place in Hawaii. In each of the quotes, Progressive did not include coverage for comprehensive and collision on the vehicle.

A female who requested coverage from Progressive would pay $42.68 per month or $221 per six months. The amount would be for their basic plan.

Males would pay the exact same amount of coverage. Progressive was in compliance with their basic plan.

The choice plan would cost a female $42.68 or $221 per six months also. Not only is the choice plan the same cost as the basic plan in Hawaii but it is also the same price for males as it is for females.

The lack of difference in cost means Progressive is also in compliance with their choice plan.

Progressive’s most inclusive plan, the Recommended Plan, would cost a female $61.35 per month or a total of $316 for the full six months the plan was for.

Still, there was no difference between the cost of coverage for a male and a female with the recommended plan. Progressive is compliant with every plan they have with auto insurance coverage in Hawaii.

Do males pay more for insurance in Hawaii?

Males do not pay more for an insurance premium in Hawaii. Hawaii has made it illegal for insurance companies to charge more depending on gender so all insurance companies must keep up with that if they want to continue offering coverage for the people who they insure.

Hawaii hopes to be an innovator in insurance equality so other states will follow suit and do the same thing with their insurance coverage.

Perhaps one of the biggest surprises during the auto insurance equality test was the difference in price between the coverage from progressive.

While there was no difference in price from the basic plan to the choice plan, there was a nearly $20 jump from the choice plan to the recommended plan.

Since the recommended plan includes different levels of coverage, people who are looking for insurance would be wise to not only compare the coverage rates that an insurance company offers but also the coverage they get for the price they pay.

By looking at different coverage options that each insurance company has for all of their customers and always reviewing their policy on a regular basis, both men and women will be able to save the most amount of money possible on their insurance policy.

Whether someone chooses to get insurance from Geico or Progressive, they can be sure they are doing their due diligence by researching everything the company has to offer.

Shopping for Insurance in Hawaii

Males and females receive equal treatment under Hawaii state law. So, it doesn’t matter what kind of vehicle you drive; you will always be charged the same amount regardless of gender.

If you live in Hawaii, you should shop around for the best deal on car insurance. You might find that you qualify for additional discounts from multiple carriers.

Insurance is an important part of driving a car so getting the best price and the best coverage is one of the easiest ways people can be sure they are getting the protection they need from their insurance company.

Those who are shopping around for coverage need to understand not all insurance companies are created to be equal.

If you only look at the cost of insurance, you may not be getting the best policy for everything you need.

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