Mercedes-Benz S-Class Insurance Cost in Hawaii
Insuring a Mercedes-Benz S-Class in Hawaii costs about $2,110 a year ($176/month) for full coverage by our estimate — −31% versus the same car nationally — the 2nd cheapest of 51 states for this model.
Mercedes-Benz S-Class insurance in Hawaii at a glance
The Mercedes-Benz S-Class is 93% more expensive than the average vehicle to insure in Hawaii, reflecting HLDI collision losses of 271 and comprehensive losses of 418 (100 = average). Hawaii's own base rates are 31% lower than the national average, which carries through to every model.
Hawaii factors that affect S-Class premiums
- Uninsured drivers: 9.6% of Hawaii drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your S-Class.
- Theft: 282 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates Hawaii's expected annual losses as very low for hail, very low for tornado, very low for hurricane, relatively moderate for inland (river) flooding, very low for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 0.96 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: No-fault, with required personal injury protection.
Mercedes-Benz S-Class insurance cost in Hawaii cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Honolulu | $2,275 | $520 | +8% |
| East Honolulu | $2,345 | $535 | +11% |
| Hilo | $2,020 | $465 | −4% |
| Pearl City | $2,355 | $540 | +12% |
| Waipahu | $2,640 | $605 | +25% |
| Kailua | $2,415 | $555 | +14% |
| Kaneohe | $2,400 | $550 | +14% |
| Kahului | $2,150 | $495 | +2% |
Mercedes-Benz S-Class insurance in Hawaii by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,330 | $1,715 | $5,800 | $483 |
| Young adult (22) | $775 | $995 | $3,375 | $281 |
| Adult in their 30s | $485 | $625 | $2,110 | $176 |
| Adult in their 50s | $445 | $575 | $1,940 | $162 |
| Senior (72) | $540 | $700 | $2,365 | $197 |
| 30s, one at-fault accident | $700 | $905 | $3,060 | $255 |
| 30s, DUI on record | $895 | $1,155 | $3,905 | $325 |
Coverage levels
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $485 | $40 | $395–$570 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $625 | $52 | $510–$735 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,110 | $176 | $1,730–$2,490 |
Hawaii minimum: 40/80/20 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in Hawaii
| Model | Full coverage in HI | vs. S-Class |
|---|---|---|
| BMW 7 Series | $2,685 | +27% |
| BMW M3 | $3,195 | +51% |
| Acura TLX | $1,415 | −33% |
| Audi RS 7 | $1,790 | −15% |
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Mercedes-Benz S-Class insurance cost in every state · All Mercedes-Benz models
Frequently asked questions
How much is Mercedes-Benz S-Class insurance in Hawaii?
About $2,110 a year ($176 a month) for full coverage and $485 for Hawaii's minimum liability, for a driver in their 30s with a clean record. That is 31% less than the national estimate for the same car.
Is the Mercedes-Benz S-Class cheaper to insure than the average car in Hawaii?
The average vehicle in Hawaii is about $1,095 a year for full coverage in our model, so the Mercedes-Benz S-Class is 93% more expensive than average.
Where in Hawaii is Mercedes-Benz S-Class insurance cheapest?
Among the largest Hawaii cities, Hilo has the lowest estimate (about $2,020) and Waipahu the highest (about $2,640).
What insurance do I need for a Mercedes-Benz S-Class in Hawaii?
Hawaii requires at least 40/80/20 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Hawaii Insurance Division: Auto Insurance Minimum Limits FAQ
- Hawaii Revised Statutes 431:10C-306 (abolition of tort liability / threshold)
- Hawaii Revised Statutes 431:10C-301 (UM/UIM offer)
- Hawaii SB 2342 CD1 (increase of minimum limits)
- Maui County: Financial Responsibility (SR-22)
- Hawaii Insurance Division: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- IIHS-HLDI insurance losses by make and model
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey