GEICO offers the best and cheapest minimum and full coverage policies in Honolulu. It is also the most affordable option for teen drivers, individuals with speeding tickets and military personnel.
Our top pick for customer service is 21st Century, while State Farm offers the cheapest rates for drivers with at-fault accidents or DUIs. The cheapest insurer for you will depend on your needs and profile.
Cheapest and Best Car Insurance in Honolulu
Cheapest Minimum Liability Car Insurance in Honolulu
The following companies offer the cheapest minimum coverage car insurance in Honolulu:
- GEICO: $259 per year
- State Farm: $309 per year
Progressive has the most expensive annual rates in the city, averaging $667. As of October 2022, we discovered that GEICO also offers the cheapest auto insurance in Hawaii at about $217 per year. This is around $42 less expensive than Honolulu since your location can influence rates.
In Hawaii, liability-only policies are required to include bodily injury, property damage and personal injury protection coverage. The limits include:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $10,000 personal injury protection
Minimum coverage helps drivers at fault in an accident by compensating the other driver or any passengers for damages. No matter how many passengers are involved, the insurer will cover medical expenses up to $20,000 per person, $40,000 per accident and $10,000 for personal injury protection. Beyond these limits, you will be responsible for the expense.
Cheapest Full Coverage Car Insurance in Honolulu
Drivers in Honolulu will likely find the most affordable rates with the following companies:
- GEICO: $585 per year
- State Farm: $683 per year
Progressive's rates are the most expensive in the city, at around $1,303 per year. Consider GEICO if you're looking for the cheapest full coverage auto insurance in Hawaii. Its premiums cost $565 per year as of October 2022. Since the city in which you reside can have an effect on premiums, this can explain why there is a slight difference in premiums.
When purchasing full coverage, collision and comprehensive insurance are included.
- Collision Insurance: This protects your vehicle financially against non-collision accidents such as natural disasters, theft and falling items.
- Comprehensive Insurance: This covers damages to your car caused by a collision with an object or another vehicle.
Full coverage is ideal for those with a newer vehicle since it safeguards their investment. Otherwise, it may not be worth the additional cost.
Cheapest Car Insurance in Honolulu After a Driving Offense
Drivers with traffic offenses may have higher rates. We identify the companies with the cheapest car insurance in Honolulu:
- Speeding ticket: GEICO ($585 per year)
- At-fault accident: State Farm ($827 per year)
- DUI: State Farm ($755 per year)
On average, Progressive has the highest insurance premiums for drivers with a speeding ticket and at-fault accident, at $1,777 and $1,958 per year, respectively. Island Insurance Group is the most expensive option for drivers with a DUI, with an average annual premium of $8,116. A poor driving record can result in increased premiums that are higher than those for drivers with no violations.
Insurers consider high-risk drivers more likely to submit a claim following a serious offense, and their auto insurance rates increase. In Honolulu, a driver with a DUI will pay around $2,297 more for coverage than a driver with a speeding ticket. We outlined the cheapest car insurance for those with a bad driving record.
Cheapest Car Insurance in Honolulu for Teens and Their Families
We list the cheapest auto insurance in Honolulu for a 16-year-old driver on a family policy:
- GEICO: $758 per year for female and male teens
- State Farm: $768 per year for female and male teens
Progressive is the most expensive car insurance company in the city, charging about $1,659 annually for female and male teens.
Adding a teen to a family policy is a simple and efficient method to reduce monthly premiums. According to our analysis, male teens in Honolulu could have higher premiums by around $259 more annually than teens on their parent’s policy. If you are looking for affordable options, shop around to find the cheapest auto insurance for teenagers.
Cheapest Car Insurance in Honolulu for Military Drivers
Veterans, service members and their families may all obtain cheap auto insurance for military personnel. The most affordable providers are:
- GEICO: $585 per year
- USAA: $617 per year
The rates listed above are for full coverage. Drivers who require minimum coverage can find the most affordable average rates from USAA at $234 per year, followed by GEICO at $259 per year.
How to Compare Cheap Honolulu Car Insurance Quotes Online
It can take up to 15 minutes or more to enter your personal details into an online quote tool provided by an insurer. Use MoneyGeek's calculator to obtain an instant auto insurance quote in less time. Simply enter the make and model of your car, your age, your driving record and your desired level of coverage.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Honolulu: Summary
The best car insurance for you will rely on whether you value service quality or affordability. The best insurers in Honolulu include:
- Best overall: GEICO (MoneyGeek score of 75 out of 100)
- Best for service: 21st Century (MoneyGeek score of 62 out of 100)
- Best cheap: GEICO (MoneyGeek score of 78 out of 100)
Overall, GEICO is also the best car insurance company in Hawaii. USAA is a great option for military personnel, achieving an 83 out of 100 MoneyGeek score. Remember that our scores vary based on how each category is weighted.
Best Overall Car Insurance in Honolulu
We picked the best car insurance companies in Honolulu based on their affordability and customer satisfaction ratings. The following are our top two choices:
- GEICO: MoneyGeek score of 75 out of 100 ($585 per year)
- 21st Century: MoneyGeek score of 73 out of 100 ($709 per year)
GEICO is the clear winner in this category since it offers the lowest rates and excellent quality service. USAA is an excellent choice for anyone with a military background, earning a score of 83 out of 100.
Has the most affordable average rate at around $585 per year
Got good score for customer service
Provides mechanical breakdown insurance, classic car insurance and roadside assistance
Claims management is subpar
Limited add-on options
MoneyGeek picked GEICO as the best car insurance company in Honolulu, Hawaii. It achieved a high rating for customer service and is the most affordable provider in the city, demonstrating that it strikes the ideal balance between pricing and customer satisfaction.
This company offers mechanical breakdown insurance, which can be added to your car insurance policy for added protection. Similar to a car warranty, this type of coverage covers the repair costs if your automobile breaks down, requires replacement parts or experiences other mechanical issues. Having mechanical breakdown insurance could reduce your out-of-pocket expenses for unexpected auto repairs.
GEICO also offers a classic car insurance policy with many of the same coverages as its standard car insurance policy. It may include liability coverage, uninsured and underinsured motorist coverage and medical coverages such as personal injury protection and medical payments coverage. Roadside assistance and towing reimbursement coverage are also available.
Best Car Insurance in Honolulu for Customer Service
We did not include prices in our analysis when identifying the best car insurance in Honolulu in terms of customer service. These are the category winners:
- 21st Century: MoneyGeek score of 62 out of 100 ($709 per year)
- State Farm: MoneyGeek score of 58 out of 100 ($683 per year)
21st Century received high customer service ratings. It is also the third-cheapest option out of the six insurers we reviewed, indicating you’ll pay average rates for excellent service.
Excellent customer satisfaction ratings
Third-cheapest provider among six insurers
Custom parts coverage, roadside assistance and rental car reimbursement available
Offers limited coverage options
Claims management can be improved
21st Century balances customer satisfaction and affordability, making it the best car insurance company in Honolulu, Hawaii, in terms of customer service. The insurer has received below-average ratings for its coverage options. 21st Century only provides three types of coverage, including roadside assistance, rental car and/or travel reimbursement and custom parts coverage.
The custom parts coverage offered by 21st Century is a rare add-on that few other carriers offer. Including custom parts coverage in your 21st Century insurance plan is advantageous since it covers equipment damage that does not meet the automobile manufacturer's standards.
21st Century’s roadside assistance coverage pays for 24-hour towing, lockout and other assistance. You can also get a rental car and/or travel reimbursement if your car is temporarily disabled for up to 30 days.
Best Cheap Car Insurance Companies in Honolulu
Based on our analysis of affordability and service quality, the following are the best cheap car insurance companies in Honolulu that meet Hawaii’s minimum coverage requirements:
- GEICO: MoneyGeek score of 78 out of 100 ($259 per year)
- State Farm: MoneyGeek score of 73 out of 100 ($309 per year)
In addition to liability costs, minimum coverage policies with the lowest premiums may not provide adequate protection for your vehicle in the event of an accident. Although minimum coverage policies offer low premiums, their coverage is frequently extremely limited.
An affordable minimum coverage policy costs around $259 per year
Discounts include bundling, anti-theft systems and daytime running lights
Good customer service ratings
No paperless discount
Low claims experience rating
GEICO provides the best cheap auto insurance in Honolulu, Hawaii. It performed exceptionally well in terms of affordability and customer satisfaction. This insurer offers several unique and standard discounts that may lower your insurance payments even further.
GEICO offers discounts for bundling home, renters, condo and mobile home insurance. You can even get a discount by insuring multiple vehicles with GEICO. The insurer also offers discounts for drivers who complete defensive driving and driver education courses. It’s also possible to receive a discount on daytime running lights, which the bulk of its competitors do not offer.
In terms of coverage options, you can get accident forgiveness coverage that protects you from a substantial increase in your car insurance price after your first at-fault accident. If you are at least 21 years old and accident-free for at least five years, you can buy or earn this coverage from GEICO.
Average Cost of Car Insurance in Honolulu
Honolulu's average annual rate for a full coverage policy is $869, while the average annual cost of auto insurance in Hawaii is around $8 less. Compared to the national average annual cost of auto insurance, Honolulu's rates are $396 less expensive.
The prices listed are for a policy that includes both comprehensive and collision coverage. The limits are $100,000 per person for bodily injury liability, $100,000 per accident for property damage liability and $300,000 per accident for bodily injury liability. Location is just one of several factors that affect auto insurance rates.
About Mark Fitzpatrick