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Average Cost of Car Insurance in Honolulu

Honolulu$1,066
Hawaii$1,066
U.S.$1,424

The average annual cost of car insurance in the city of Honolulu is $1,066, which is on par with Hawaii’s state average. Car insurance in Honolulu and Hawaii as a whole is 25.1% cheaper than the average rate in the United States.

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The Best Cheap Car Insurance Companies in Honolulu

The cheapest car insurance provider for the average driver in Honolulu is GEICO, with an annual average premium of $646. At an average cost of $1,457 per year, Progressive charges 125.5% more than GEICO for car insurance in Honolulu — even more than the national average.

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Personalized Quotes to Get You the Cheapest Car Insurance in Honolulu

Many factors, including age, zip code, driving record and make and model of your vehicle, will be used to calculate your premium, so getting a personalized quote can help you find the best price for car insurance in Honolulu. Because your circumstances change throughout the years, getting a regular quote can ensure that you have the best coverage at an affordable rate.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Honolulu by Coverage Amount

How much car insurance coverage you purchase in Honolulu also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

Hawaii Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $20,000 per person, $40,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
  • Personal Injury Protection
    $10,000 per person.

In Honolulu, most insurance companies provide both 50/100/50 liability and full-coverage insurance. This means that the plan will pay up to $50,000 per person for bodily injuries, up to $100,000 total per vehicle, and up to $50,000 for property damage. With an annual difference of $223 between 50/100/50 liability and full coverage for GEICO, many drivers may opt for the benefits of full coverage.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Honolulu if You Have Tickets

If you have a clean driving record, you’ll find cheaper car insurance than if you have one to two violations on your record. For example, with USAA, if you have no violations, you’ll pay a premium of $657. However, if you are at fault for an accident, your premium could increase by $148. If you get a DUI, your rates could jump up by $686 with USAA, while other insurance companies charge $1,000s more per year for a DUI.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. USAA
    $686
    $805
    $1,294
  • $911
    $987
    $911
  • $646
    $924
    $4,256
  • $1,501
    $1,610
    $3,260
  • $1,924
    $2,104
    $2,344
  • $1,281
    $1,949
    $5,961

Average Cost of Car Insurance by Postal Code

In many cities, car insurance prices vary based on ZIP code because of the number of claims, car break-ins and other factors in the area. In Honolulu, however, the average premium is the same for all local ZIP codes.

  • Zip Code
    State Minimumper year
  • 96816
    $1,066
  • 96817
    $1,066
  • 96818
    $1,066
  • 96822
    $1,066
iconribbontop ratedCar Insurance agentsHonolulu2021

Top Agents Offering Affordable Car Insurance in Honolulu

1. Shelli Toguchi-Hadley - State Farm Insurance Agent4510 Salt Lake Blvd, Unit D15, Honolulu, HI, 96818
47 ratings
2. Ryan Miyashita - State Farm Insurance Agent1580 Makaloa St, Ste 102, Honolulu, HI, 96814
29 ratings
3. U'ilani Hawelu - State Farm Insurance Agent320 Ward Ave, Ste 213, Honolulu, HI, 96814
21 ratings
4. Dee Ann Lee - State Farm Insurance Agent600 Kapiolani Blvd, Ste 210, Honolulu, HI, 96813
17 ratings
5. Wil Chang - State Farm Insurance Agent6700 Kalanianaole Hwy, Ste 204, Honolulu, HI, 96825
16 ratings

Factors That Impact Insurance Costs in Honolulu

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Honolulu. How Honolulu ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities157th/300
handcuffs2 icon
Most Car Thefts137th/300
uninsured icon
Most Uninsured Motorists by State30th/50
insurance2 icon
Personal Injury Protection RequiredYes
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Most Annual Rainfall215th/300
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Most Rainy Days162nd/300

Shopping around for car insurance in Honolulu could save you $420, which is enough to buy:


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140Cups of Coffee
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32Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Honolulu are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Honolulu

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.