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.


Insurance Rates

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

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Last Updated: 11/3/2022
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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.

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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
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
  • 2.
  • 3.
    State Farm
  • 4.
  • 5.
  • 6.

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.

Insurance Rates

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
State Minimum

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

  • Item
  • 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
Speeding Ticket

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.

Insurance Rates

The Best Car Insurance Companies in Honolulu

MoneyGeek scored car insurance providers in Honolulu based on their average rates, claims ratings and user satisfaction. Our analysis showed that the best auto insurance companies in Honolulu are:

  • GEICO: MoneyGeek score of 92 out of 100
  • State Farm: MoneyGeek score of 84 out of 100

Although we didn’t include USAA in our rankings, it’s the highest-rated car insurer in Hawaii, gaining a MoneyGeek score of 100 out of 100. However, only military personnel, veterans and their families are eligible to apply for insurance from this provider.





Claims Ratings


User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

GEICO is MoneyGeek’s pick as the best car insurance company in Honolulu, with a perfect score for claims and a high score for satisfaction. With an average price of $646 per year, it’s also the most affordable in the city. Policyholders can get accident forgiveness as an add-on coverage, which is not always available at other insurance companies.

More About GEICO

In Honolulu, you can get various riders with your GEICO car insurance policy. Accident forgiveness is one such option. It’s a rare endorsement that ensures your auto insurance rates won’t go up after your first at-fault accident. You can either buy this coverage or earn it after being accident-free for more than five years. Additionally, you can opt to get mechanical breakdown insurance as an add-on. It’s another unique endorsement that protects your car’s parts and systems, providing better coverage and for a lower price than most dealers offer in their extended warranties.

Read MoneyGeek's GEICO auto Insurance Review
State Farm




Claims Ratings


User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

Per our study, State Farm is the next best car insurance company in Honolulu. It has a perfect score for satisfaction and claims and is the second most affordable insurer in the city at $835 per year. While most insurers don’t offer it, you can get rideshare insurance from this company.

More About State Farm

If you’re a rideshare company employee in Honolulu, you may wish to add rideshare insurance to your State Farm policy. It’s an optional rider that ensures your medical, roadside assistance and rental car reimbursement is in effect while you’re working. This insurance fills the gap between your personal and employer’s car insurance. As long as your app is on and you’re available for hire, all coverages from your personal car insurance policy will remain active. Once you’ve matched and are transporting a rider, all coverages except liability insurance remain.

Read MoneyGeek's State Farm auto Insurance Review

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
  • 96817
  • 96818
  • 96822

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

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.