Tesla Model 3 Insurance in Hawaii (2026)
Quick Answer
Full coverage for a 2024 Tesla Model 3 in Hawaii costs $185/month ($2,224/year). Safety rating: 5/5. Theft risk: low.
✓ Updated March 2026✓ Based on state insurance filings
Tesla Model 3 Rates by Company in Hawaii
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $137/mo | $1,646/yr | Military families |
| Erie Insurance | $146/mo | $1,757/yr | Rate lock guarantee |
| GEICO | $152/mo | $1,824/yr | Clean driving record |
| Progressive | $163/mo | $1,957/yr | Telematics savings |
| State Farm | $169/mo | $2,024/yr | Good students |
| Travelers | $176/mo | $2,113/yr | Multiple discounts |
| Nationwide | $193/mo | $2,313/yr | Bundling home + auto |
| Farmers | $200/mo | $2,402/yr | Signal telematics |
| Allstate | $208/mo | $2,491/yr | Accident forgiveness |
| Liberty Mutual | $219/mo | $2,624/yr | New car replacement |
USAACheapest
Monthly
$137/mo
Annual
$1,646/yr
Best for: Military families
Erie Insurance
Monthly
$146/mo
Annual
$1,757/yr
Best for: Rate lock guarantee
GEICO
Monthly
$152/mo
Annual
$1,824/yr
Best for: Clean driving record
Progressive
Monthly
$163/mo
Annual
$1,957/yr
Best for: Telematics savings
State Farm
Monthly
$169/mo
Annual
$2,024/yr
Best for: Good students
Travelers
Monthly
$176/mo
Annual
$2,113/yr
Best for: Multiple discounts
Nationwide
Monthly
$193/mo
Annual
$2,313/yr
Best for: Bundling home + auto
Farmers
Monthly
$200/mo
Annual
$2,402/yr
Best for: Signal telematics
Allstate
Monthly
$208/mo
Annual
$2,491/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$219/mo
Annual
$2,624/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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Tesla Model 3 Insurance by Age in Hawaii
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $512/mo | $6,143/yr |
| 19 years old | $310/mo | $3,714/yr |
| 21 years old | $247/mo | $2,959/yr |
| 25 years old | $162/mo | $1,946/yr |
| 30 years old | $134/mo | $1,608/yr |
| 40 years old | $126/mo | $1,512/yr |
| 50 years old | $122/mo | $1,463/yr |
| 65 years old | $133/mo | $1,592/yr |