Compare Auto Insurance in Honolulu
Honolulu is known for its beautiful beaches and getaways. If you’re a Honolulu driver and need the best auto insurance rates, we can help you.
Average Honolulu Insurance Rates
How much is car insurance in Honolulu, HI? Because of the high number of insured drivers in Hawaii, rates are less expensive than the rest of the country. On average, Honolulu drivers pay 13% less for car insurance than the average American. The average cost of auto insurance in Hawaii is $764.72 a year. The national average is $889.01
|Total Cost Per Year||$764.72|
|Price Per Month||$63.72|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Hawaii insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Hawaii car insurance rates increased from $748 in 2011 to $764 in 2015, a jump of $16 dollars, or 2.17 percent.
QuoteWizard helps consumers compare insurance quotes from both national carriers and local independent agents. Comparing quotes can help you find cheap car insurance rates near Honolulu, Hawaii and save up to 40% on your premium.
Last year, 11,630 people used QuoteWizard to compare car insurance quotes in Honolulu, HI from multiple companies to find the lowest rates.
Best Car Insurance Companies in Honolulu, HI
These are the most popular car insurance companies reported by QuoteWizard users in Honolulu, Hawaii. Last year, 11,630 drivers in Honolulu used QuoteWizard to compare auto quotes. Of those people, 713 were uninsured.
Other popular car insurance companies in Honolulu include First Insurance Company of Hawaii, The General, and Esurance.
Top 10 Vehicles in Honolulu
These are the most popular car makes and models owned by Honolulu, HI QuoteWizard users:
- Honda Civic LX
- Honda Civic EX
- Nissan Versa Note S
- Toyota Corolla L
- Toyota Forerunner SR5
- Toyota Tacoma Double Cab Prerunner
- Honda Pilot EX
- Toyota Corolla Eco
- Infiniti Q50 Base
- Mazda 3 Sport
Minimum Car Insurance Requirements in Honolulu, HI
Honolulu, Hawaii requires that all drivers carry minimum liability coverage of 20/40/10. This means your policy needs to include:
- Individual Bodily Injury Liability (BIL): $20,000
The maximum amount your insurer pays for a person injured in a car accident.
- Total Bodily Injury Liability: $40,000
The total your insurer pays for every person injured in a car accident.
- Property Damage Liability (PDL): $10,000
The maximum your insurer pays for property damage caused by a car accident.
Recommended Coverage Levels
A minimum policy only covers your liability. That means it pays for damages to other people and their property. However, it doesn’t cover your damages or medical bills. If you have minimum coverage and you cause an accident, you’re responsible for all your expenses.
Given that, we recommend the following coverage:
- Individual Body Injury Liability: $100,000
- Total Bodily Injury Liability: $300,000
- Property Damage Liability: $100,000
Living in an area known for bad driving will affect your insurance premium. Our data shows that Honolulu is only the 70th worst city for driving out of 75. We based this ranking on accidents, speeding tickets, DUIs, and citations occurring in Honolulu.
Weather, road conditions, and traffic can affect your insurance rates. Riskier driving conditions lead to higher premiums.
It rains year-round in Honolulu. This can make for accident-prone driving on wet, slippery roads. Hawaii is also prone to hurricanes, tsunamis, and even an occasional volcano. That will boost your comprehensive coverage costs.
39% of Hawaii’s roads are in poor condition. Driving on poorly kept roads can cause tire damage, shock absorber failure, and throw off your wheel alignment. It also affects your premium. Honolulu’s bad roads can cost you an extra $851 annually.
TomTom ranks Honolulu as the 8th most congested city in the US. Traffic levels add an extra 34 minutes per day onto your commute.
Getting tickets and accidents will raise your insurance rates. You may need to buy high-risk insurance if your record is bad. And, unfortunately, high-risk insurance is very expensive.
In 2017, the Honolulu Police Department wrote 16,389 speeding tickets. Getting a speeding ticket almost always leads to higher car insurance premiums. Avoiding speeding tickets and other citations is one of the best ways to keep your rates from increasing.
DUI and DWAI Arrests
If you are arrested for a DUI in Honolulu, you face a fine between $150 and $5,000 and up to 10 years in jail. On top of all this, driving under the influence hurts your insurance rates. Our study found that drivers with DUIs pay an extra $830 per year for insurance!
SR-22 DUI/DWAI Insurance
Honolulu drivers may need to file an SR-22 for a few different reasons:
- Suspended license
- Points on license
- Driving without insurance
You need to carry an SR-22 in Hawaii for a minimum of three years. And you’ll certainly face an insurance rate increase during that time.
Car Accident Statistics
Living in an area with high accident rates can lead to higher insurance costs for everyone.
Vehicle Theft Rates
Drivers in high car theft areas often pay more for car insurance. Honolulu is at currently the city with most car thefts in Hawaii. If you drive a frequently stolen car model, expect higher rates.
Car Insurance Discounts in Honolulu
Looking to save money on your car insurance in Honolulu? There are many discount options available to lower your premiums:
- If you’re married, insurers often offer discounts to married couples
- If you’re age 55 or over, check to see if there’s a senior citizens discount
- Have more than one car? Look into a multiple car discount
- Make sure your car as up-to-date safety features and anti-theft devices
- There are discount rates for active and retired members of the Military, National Guard, or Reserves
- Bundle your auto policy with your home or renters insurance, you can reduce your total bill up to 20 percent
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