Honolulu Car Insurance

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 $105.52 per month compared to the national average of $141.70 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.

Honolulu, HI Best Car Insurance Companies

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, State Farm generally has the most affordable car insurance in Honolulu coming in around $85.15 per month. Other companies to consider if you live in Honolulu is USAA with an average cost of $86.51 per month and Allstate which typically runs around $126.36 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Honolulu.

How Much is Car Insurance in Honolulu, HI?

Rates can vary from city to city. The residents of Anahola typically pay $75.11 per month while people who live in Hana will pay $96.11 per month on average. See what people pay for car insurance in other cities in Hawaii.

Cheap Car Insurance in Honolulu by Zip Codes

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.

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 $119.39 per month in Honolulu. Compare that to drivers in their 30’s who typically pay around $107.71 per month drivers in their 40s at $105.47 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.

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, State Farm typically charges around $90.57 per month. This is likely the most affordable option in Honolulu. You might also want to consider USAA and Allstate who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Honolulu

20 year-olds in Honolulu might want to consider State Farm who, on average, offers car insurance rates around $90.29 per month. USAA , Allstate , AIG and are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Honolulu

If you are in your 30s in Honolulu our research has found that State Farm typically has the most affordable coverage coming in around $87.05 per month, followed by USAA at $90.67 and Allstate at $136.88.

Cheapest Insurance for 40 Year-olds in Honolulu

On average, USAA offers car insurance for 40 year-olds in Honolulu for around $85.41 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.

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 State Farm generally offers the most affordable coverage at $85.54 per month.

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 $80.88 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Honolulu, HI

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 $103.06 while drivers who are not currently covered will pay around $109.25.

Compare Recent Car Insurance Quotes in Honolulu

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 2005 Lexus ES can expect to pay around $98.96 per month while someone that owns a 2019 Jeep Cherokee may pay around $87.70 per month. Check out the list of recent quotes in Honolulu below.

FAQ's for Drivers in Honolulu, HI

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.