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Honolulu Car Insurance

How much does car insurance cost in Honolulu, HI? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Honolulu?

Honolulu has been the capital of the Hawaiian Islands since 1845 and remained the islands’ capital even after Hawaii became a U.S. territory in 1900 and a U.S. state in 1959. The word Honolulu means “sheltered harbor” and there is a major U.S. Naval base in the city’s harbor. Honolulu’s tropical climate, rich island scenery and many beaches make the city a popular tourist destination. About 7.6 million visitors come to Hawaii each year via Honolulu’s International Airport. Tourists contribute about $10 billion annually to the Hawaiian economy. Honolulu is a modern city with many high rise buildings, designer fashion stores and hotels. Honolulu’s location in the Pacific Ocean makes it a large business and trading hub. Other industries in Honolulu include military defense, research and development and manufacturing.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Hawaii has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Honolulu typically pay around $91.73 per month compared to the national average of $134.00 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.00
Hawaii $90.42
Honolulu, Hawaii $91.73

Honolulu, HI Best Car Insurance Companies

car insurance in Honolulu

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Honolulu coming in around $77.71 per month. Other companies to consider if you live in Honolulu is State Farm with an average cost of $89.45 per month and Allstate which typically runs around $109.30 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Honolulu.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $77.71-14.06%
2 State Farm $89.45-1.07%
3 Allstate $109.3020.88%
4 AIG $195.90116.66%

How Much is Car Insurance in Honolulu, HI?

how much is auto insurance in Honolulu

Rates can vary from city to city. The residents of Hilo typically pay $99.76 per month while people who live in Honolulu will pay $91.73 per month on average. See what people pay for car insurance in other cities in Hawaii.

Hawaii CitiesMonthly Average Rate
Hilo$99.76
Honolulu $91.73
Kahului$83.56
Kailua Kona$96.29
Lahaina$88.97

Cheap Car Insurance in Honolulu by Zip Codes

find cheap auto insurance in Honolulu

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Hawaii. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Honolulu, HI ZIP CodeAverage Monthly Rate
96813$89.29
96814$88.78
96815$93.42
96816$90.15
96817$90.94
96818$100.46
96819$89.07
96821$95.63
96822$88.31
96825$94.55
96826$94.74

Car Insurance Rates by Driver's Age Group in Honolulu

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $109.75 per month in Honolulu. Compare that to drivers in their 30’s who typically pay around $92.67 per month drivers in their 40s at $91.06 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$109.75
20s$91.49
30s$92.67
40s$91.06
50s$86.20
60s$96.90
70+$88.49

Cheapest Insurance for Teenage Drivers in Honolulu

If you are teen in Honolulu you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $81.79 per month. This is likely the most affordable option in Honolulu. You might also want to consider State Farm and Allstate who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$81.79
State Farm$94.48
Allstate$116.92
AIG$204.58

Cheapest Insurance for 20 Year-olds in Honolulu

20 year-olds in Honolulu might want to consider USAA who, on average, offers car insurance rates around $82.29 per month. State Farm , Allstate , AIG and are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$82.29
State Farm$96.39
Allstate$114.54
AIG$214.99

Cheapest Insurance for 30 Year-olds in Honolulu

If you are in your 30s in Honolulu our research has found that USAA typically has the most affordable coverage coming in around $81.14 per month, followed by State Farm at $91.03 and Allstate at $113.70.

CompanyAverage Monthly Rate
USAA$81.14
State Farm$91.03
Allstate$113.70
AIG$199.83

Cheapest Insurance for 40 Year-olds in Honolulu

On average, USAA offers car insurance for 40 year-olds in Honolulu for around $74.18 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Allstate. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$74.18
State Farm$87.19
Allstate$108.35
AIG$184.24

Cheapest Insurance for 50 Year-olds in Honolulu

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Honolulu we found that USAA generally offers the most affordable coverage at $72.80 per month.

CompanyAverage Monthly Rate
USAA$72.80
State Farm$83.39
Allstate$101.83
AIG$183.17

Cheapest Insurance for 60 Year-olds in Honolulu

If you live in Honolulu and you’re in your 60s, our data indicates that USAA usually has the best rates at $78.21 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$78.21
State Farm$88.38
Allstate$109.33
AIG$193.03

Driver's Coverage Auto Insurance Rates in Honolulu, HI

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Honolulu, the average monthly rate for a driver who is currently insured is $95.18 while drivers who are not currently covered will pay around $84.98.

CoverageAverage Monthly Rate
Not Currently Insured $84.98
Currently Insured $95.18

Compare Recent Car Insurance Quotes in Honolulu

auto insurance quotes in Honolulu city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Honolulu a driver of a 2013 Ford F150 can expect to pay around $101.17 per month while someone that owns a 2009 Mercedes-Benz E may pay around $107.87 per month. Check out the list of recent quotes in Honolulu below.

VehicleAverage Monthly Rate
2013 Ford F150$101.17
2009 Mercedes-Benz E$107.87
2016 Kia Soul$95.17
2006 Acura 3.2tl$78.53
2020 Toyota Tacoma$107.72
2009 Nissan Murano$79.99
2007 Toyota Rav4$70.13
2007 Nissan Altima$81.35
2018 Toyota Corolla$111.58
2014 Jeep Cherokee$79.23

FAQ's for Drivers in Honolulu, HI

driver’s frequently asked question in Honolulu

What Is the Minimum Liability Coverage Requirement in Honolulu, HI?

The minimum liability coverage limits in Hawaii are $20,000 bodily injury per person and $40,000 bodily injury per accident, as well as $10,000 property damage per accident.

Hawaii is a no-fault state. That means only your own car insurance provider pays for injuries sustained by you and any of your passengers. You can’t file a claim through another party’s carrier if they’re at fault, nor can you pursue personal injury litigation unless there are serious injuries. You’re paid through another mandatory type of coverage called personal injury protection (PIP). All Hawaii drivers must also carry at least $10,000 per person PIP coverage. The at-fault driver is responsible for vehicle and other property damage, though.

  •  $20,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  •  $40,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  •  $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Some people choose to stick with the minimum legal requirements, but many drivers who can afford it opt to extend their limits higher. Minimums aren’t always enough following a serious crash. If you look at your auto coverage as an investment rather than just another monthly cost, you may very well decide that it makes sense to buy more protection.

Optional coverages are another way to gain more peace of mind and greater financial protections, too. They offer coverage for a variety of vehicle repair and service expenses outside the scope of the required liability and PIP coverages.

What Is the Blood Alcohol Concentration (BAC) limit in Honolulu, HI?

It’s against the law to operate a motor vehicle in Hawaii with the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

Hawaii’s OVUII (operating a vehicle under the influence of intoxicants) laws state that you do not need to be obviously impaired to be arrested and convicted if your BAC is at least 0.08%. At the same time, you can be arrested and convicted with a lower BAC level if the arresting officer believes that your ability to safely operate a motor vehicle is impaired by a legal or illegal substance.

What is uninsured motorist coverage and is it required in Hawaii?

Uninsured and underinsured motorist coverage are both optional in Hawaii, not required. They offer payment for injuries caused by a driver with no auto insurance, or not enough auto insurance, respectively. Uninsured motorist coverage is also applied in hit-and-run accidents.

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Commute Time in Honolulu, HI

23.4 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Honolulu, HI

37

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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