Car Insurance Across the Pacific: Every State Ranked
How 5 Pacific states compare on car insurance, from Hawaii to California, with July 2026 figures.
Within the Pacific, car insurance spans from $151/mo in Hawaii to $221/mo in California, against a national average of $208/mo. Here's the regional table as of July 2026, cheapest first.
| Regional rank | State | Full coverage /mo | National rank |
|---|---|---|---|
| 1 | Hawaii | $151/mo | #8 of 51 |
| 2 | Alaska | $170/mo | #12 of 51 |
| 3 | Oregon | $199/mo | #25 of 51 |
| 4 | Washington | $219/mo | #32 of 51 |
| 5 | California | $221/mo | #33 of 51 |
The regional bargain: Hawaii
Hawaii is one of the cheapest states in the country for car insurance, ranking #8 of 51 at $151/mo — about 27% below the national average of $208/mo.
The regional premium: California
California sits in the pricier half of the country at #33 of 51, averaging $221/mo — about 6% above the national average.
Compare any state in detail on the car insurance index.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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