Hawaii’s diverse terrain and climate have a significant impact on its transportation landscape. The state is characterised by a diverse range of traffic conditions, from urban congestion to rural highways. Despite robust sales of vehicles, particularly trucks and SUVs, the issue of traffic fatalities remains a concern. Factors such as speeding and alcohol-impaired driving are contributing to these incidents. Hawaii’s distinctive insurance regulations, which prohibit specific rating factors, result in lower average costs compared to the national average.