Car insurance costs can differ depending on where you live. Location matters because car insurance rates are determined by how many cars are on the road, weather and other individualized factors. If you’re looking for car insurance in Honolulu, it’s important to get a personalized quote — otherwise, you could end up paying more for coverage you don’t need.
Compare the Cheapest Car Insurance Quotes in Honolulu, HI
- The Best Cheap Car Insurance in Honolulu
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 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.
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.
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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 by Coverage Type
- CompanyState Minimumper year50 / 100 / 50per year
- 2. GEICO$333$391
- Company50 / 100 / 50per year100 / 300 / 100per year
- 2. GEICO$614$646
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.
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.
Shopping around for car insurance in Honolulu could save you $420, which is enough to buy:
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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