Compare the Cheapest Car Insurance Quotes in Honolulu, HI
Honolulu drivers pay $1,066 per year on average for car insurance, a rate that is the same as the state average. The company with the lowest rates in the city is GEICO, which charges an average of $646 per year. MoneyGeek also analyzed car insurance providers using different coverage levels and driving profiles to help drivers seeking high-quality, affordable coverage secure the best option for their needs.
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Quality Verified
On average, overall, GEICO is the cheapest company in Honolulu, and the most affordable with a speeding ticket or for a state minimum policy. MoneyGeek also ranked GEICO as the best company balancing affordability and service quality in Honolulu. For military families, USAA is a cheap choice. Your best option depends on coverage needs and personal profile.
The Cheapest and Best Car Insurance in Honolulu
The Cheapest Car Insurance Companies in Honolulu
On average, the cheapest companies for a full coverage policy in Honolulu are:
- GEICO: $646 per year
- State Farm: $835 per year
USAA has a full coverage policy open to active military and veterans at roughly $657 per year.
GEICO offers the most affordable full coverage policy to anyone in Honolulu, at approximately 125% less than Progressive, the most expensive in the city at $1,457 a year.
A full coverage policy includes comprehensive and collision insurance. The price depends on the amount of liability coverage you choose.
Cheapest Car Insurance in Honolulu
- Company100/300/100per year
- 1.$646
- 2.$657
- 3.$835
- 4.$1,112
- 5.$1,281
MoneyGeek collected average rates for a 40-year-old male driver in Honolulu with a full coverage policy, as our methodology states.
A full coverage policy costs more than a state minimum policy but is more valuable because it includes liability and comprehensive and collision insurance to protect your car.
- Comprehensive insurance: pays for non-accident damage and covers theft.
- Collision insurance: covers the cost of vehicle repairs after an at-fault accident.
For an older car, a full coverage policy may cost more than the car’s value. If that is the case, you may want a minimum coverage policy or liability-only insurance to get the cheapest rate.
Compare Car Insurance Rates in Honolulu
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Honolulu for Minimum Coverage
In all cities in Hawaii, including Honolulu, the amount of coverage purchased determines how much you pay for auto insurance. An insurance policy offering the state’s minimum liability coverage costs an average of $544 per year, while full coverage, which has higher liability limits, costs around $1,066 for a difference of $522.
Cheapest Minimum Liability Car Insurance in Honolulu
- CompanyState Minimumper year
- 1.$297
- 2.$333
- 3.$436
- 4.$542
- 5.$672
Hawaii requires an auto insurance policy with 20/40/10 in liability limits and PIP coverage worth $10,000. This minimum coverage policy helps you save money in Honolulu, but you may pay a higher amount out of pocket in an accident.
For example, if your at-fault accident causes property damage of $20,000, the policy only pays up to $10,000. You have to cover the remaining $10,000.
Hawaii Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Honolulu if You Have Driving Violations
If you have a violation like a DUI, speeding ticket or at-fault accident, your auto insurance in Honolulu is significantly higher. The following are, on average, the cheapest companies in Honolulu with a violation:
- Cheapest after a speeding ticket: GEICO, $646 per year
- Cheapest after an at-fault accident: GEICO, $924 per year
- Cheapest after a DUI: State Farm, $911 per year
For drivers with a military background and an at-fault accident, USAA offers the cheapest policy in Honolulu.
You can improve your bad driving record with time to get cheaper car insurance in Honolulu. It’s best to shop around for now and buy a policy that’s the best deal.
Cheapest Car Insurance in Honolulu With a Violation
- CompanySpeeding Ticketper year
- 1.$646
- 2.$686
- 3.$911
- 4.$1,281
- 5.$1,501
Average Cost of Car Insurance in Honolulu
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.
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.
Compare Car Insurance Rates in Honolulu
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Honolulu
Honolulu drivers looking for quality auto insurance at reasonable rates can find ideal insurers using MoneyGeek’s ranking of the best companies in the city. From this study, the best insurance carriers in the city for most drivers are:
- GEICO: MoneyGeek score of 93 out of 100
- State Farm: MoneyGeek score of 90 out of 100
USAA received the highest score in Honolulu with MoneyGeek's rating system and is the best choice for eligible military members, veterans and their families.
The methodology used by MoneyGeek comprises diverse elements, including financial stability, user satisfaction and affordability ratings from J.D. Power.






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 CodeState Minimumper year
- 96816$1,066
- 96817$1,066
- 96818$1,066
- 96822$1,066
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.
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.
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