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.
Compare the Cheapest Car Insurance Quotes in Honolulu, HI
The Cheapest and Best Car Insurance in Honolulu
The Cheapest Car Insurance Companies in Honolulu
While purchasing a full coverage car insurance policy in Honolulu, the cheapest providers to consider are:
- GEICO: $646 per year
- USAA: $657 per year (for military personnel only)
For this analysis, MoneyGeek used a sample 40-year-old male driver profile with full coverage insurance to determine the average rates. The policy provides comprehensive and collision coverage and liability coverage.
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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.
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: USAA score of 93 out of 100
- State Farm: USAA score of 90 out of 100
USAA received the highest score in Honolulu by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The methodology used by MoneyGeek comprises diverse elements, including financial stability, user satisfaction and affordability ratings from J.D. Power.
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.
Shopping around for car insurance in Honolulu could save you $420, which is enough to buy:
Cheapest Car Insurance in Honolulu by Coverage Amount
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.
Hawaii Minimum Liability Requirements
- 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: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Honolulu if You Have Driving Violations
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
Top Agents Offering Affordable Car Insurance in Honolulu
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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