Cheapest Honolulu Auto Insurance Rates (2022)

GEICO offers the cheapest auto insurance rates in Honolulu at an average rate of $51 a month for full coverage.

See Your Rates

The cheapest car insurance in Honolulu comes from GEICO. According to our survey of the state’s providers, GEICO offers an average minimum-coverage rate of $47 per month.

GEICO also leads the way for full-coverage car insurance in 2022. Honolulu drivers will find an average rate of $606 a year, or $51 per month, from this popular insurer.

Tradewind presents affordable auto insurance options to Honolulu residents, too. The company offers an average monthly rate of $83 for minimum-coverage policies, and $93 for full coverage.

In this article

Where can I get the cheapest car insurance in Honolulu?

Those looking for the cheapest car insurance in Honolulu will find it at GEICO, which provides minimum-coverage policies for $559 per year. That’s an average rate of $47 per month.

Tradewind and USAA are the next-cheapest options, offering minimum-coverage rates of $83 and $89 a month, respectively. Both of those values fall below the city’s monthly average of $119.

It’s worth noting, however, that USAA only provides insurance for active and former military members, as well as qualified family members.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE IN HONOLULU
Company Annual rate Monthly rate
GEICO $559 $47
Tradewind $1,000 $83
USAA $1,063 $89
Allstate $1,389 $116
City Average $1,423 $119
State Farm $3,104 $259
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Hawaii state law requires drivers to meet certain standards for liability car insurance coverage and personal injury protection (PIP). These are the mandatory minimums:

  • $20,000 in bodily injury liability per person
  • $40,000 in bodily injury liability per accident
  • $10,000 in property damage liability
  • $10,000 in PIP per person in your vehicle

Cheapest full-coverage car insurance in Honolulu

Honolulu’s cheapest full-coverage car insurance also comes from GEICO. The company offers an average annual rate of $606, or $51 per month. That’s less than half the city average of $131 per month.

Additionally, Tradewind offers low full-coverage car insurance rates to Honolulu drivers. And for those who qualify, USAA features policies priced well below the city average, too.

CHEAPEST FULL-COVERAGE CAR INSURANCE IN HONOLULU
Company Annual rate Monthly rate
GEICO $606 $51
Tradewind $1,119 $93
USAA $1,144 $95
City Average $1,572 $131
Allstate $1,584 $132
State Farm $3,405 $284
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance typically includes collision and comprehensive coverages, in addition to meeting the state requirements for liability coverage and PIP. Drivers can also opt to add coverage for wage loss, uninsured drivers, funeral benefits and more.

No state requires full-coverage car insurance, although it is recommended for those with new or expensive vehicles. Certain lenders and lessors might also require coverage above the minimum.

Get cheap car insurance in Honolulu, Hawaii

Cheapest car insurance for drivers with an accident history in Honolulu

GEICO offers the best car insurance rates for Honolulu drivers with an accident on their records at an average of $74 a month.

USAA and Tradewind also offer rates below the city average, with monthly policies of $117 and $124 respectively.

CHEAPEST CAR INSURANCE FOR DRIVERS WITH AN ACCIDENT HISTORY
Company Annual rate Monthly rate
GEICO $887 $74
USAA $1,399 $117
Tradewind $1,483 $124
Allstate $2,480 $207
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In Honolulu, an accident history raises the average monthly insurance rate by 32%, from $131 to $173.

Cheapest car insurance for drivers with a DUI in Honolulu

State Farm is the cheapest car insurance option for most drivers with a DUI in Honolulu. The company’s full-coverage rate for a driver with one DUI is $3,758 a year, or $313 a month.

USAA offers even cheaper car insurance to Honolulu drivers with a DUI, but only for those who qualify. Its monthly rate for drivers with a DUI is $193, less than half the citywide average of $409.

CHEAPEST CAR INSURANCE FOR DRIVERS WITH A DUI
Company Annual rate Monthly rate
USSA $2,313 $193
State Farm $3,758 $313
GEICO $4,253 $354
Allstate $4,917 $410
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

GEICO and Allstate also feature affordable policies. Both companies offer monthly rates near or below the Honolulu average.

Cheapest car insurance for drivers with a speeding ticket in Honolulu

The cheapest full-coverage car insurance for Honolulu drivers with a speeding ticket comes from GEICO. For those with one speeding ticket on their record, the company charges an average of $51 per month.

That rate is almost three times less than the city average of $151. In Honolulu, a speeding ticket increases the average car insurance rate by 15%.

CHEAPEST CAR INSURANCE FOR DRIVERS WITH A SPEEDING TICKET
Company Annual rate Monthly rate
GEICO $606 $51
USAA $1,198 $100
Tradewind $1,211 $101
Allstate $2,276 $190
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Where can teen drivers get the cheapest car insurance in Honolulu?

The cheapest car insurance for teen drivers in Honolulu can be found at GEICO. Customers will find an average minimum-coverage rate of $52 a month — that’s for an 18-year-old driver with a clean record.

Tradewind has low-cost offerings, too, with an average monthly rate of $83. For military members and their families, USAA is another affordable choice.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR TEEN DRIVERS
Company Annual rate Monthly rate
GEICO $629 $52
Tradewind $1,000 $83
USAA $1,063 $89
Allstate $1,389 $116
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In Honolulu, the average minimum-coverage policy for teens, $120 a month, is just a dollar more than the overall citywide average.

Cheapest full-coverage car insurance for teen drivers in Honolulu

GEICO offers the best full-coverage car insurance rates for teen drivers in Honolulu as well. Monthly rates — for 18-year-olds in Honolulu with a clean driving record — average out to $683 a year, or $57 a month.

Meanwhile, Tradewind and USAA offer monthly rates of $93 and $95, respectively. Both of those are well beneath the citywide average of $132 a month.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR TEEN DRIVERS
Company Annual rate Monthly rate
GEICO $683 $57
Tradewind $1,119 $93
USAA $1,144 $95
Allstate $1,584 $132
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Where can senior drivers get the cheapest car insurance in Honolulu?

Senior drivers will find the cheapest minimum-coverage car insurance rates with GEICO, which charges an average monthly cost of $47. In this case, rate estimates are for a 60-year-old driver with a clean record, meaning no tickets, accidents or DUIs.

Again, Tradewind and USAA trail behind GEICO, with each presenting cheaper options than the citywide average for seniors. In Honolulu, the average senior driver pays $119 a month for minimum-coverage car insurance.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR SENIOR DRIVERS
Company Annual rate Monthly rate
GEICO $559 $47
Tradewind $1,000 $83
USAA $1,063 $89
Allstate $1,389 $116
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Compare quotes from Honolulu's cheapest car insurance companies

Cheapest full-coverage car insurance for senior drivers in Honolulu

When it comes to cheap full-coverage car insurance for senior drivers in Honolulu, GEICO places first. The company’s monthly rate for a 60-year-old with a clean record is $51.

In Honolulu, the average full-coverage rate for a senior driver is the same as it is for drivers overall. The citywide average, in both cases, is $131 a month.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR SENIOR DRIVERS
Company Annual rate Monthly rate
GEICO $606 $51
Tradewind $1,119 $93
USAA $1,144 $95
Allstate $1,584 $132
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

What are Honolulu’s car insurance requirements?

Honolulu drivers must have 20/40/10 car insurance. They also need at least $10,000 of personal injury protection (PIP). Here’s what that means.

First, drivers in Honolulu — and elsewhere in Hawaii — are required to carry at least these amounts of liability car insurance coverage:

  • $20,000 for bodily harm to a single person
  • $40,000 for bodily harm to all people involved in an accident
  • $10,000 for damage to property

Honolulu drivers also need a minimum of $10,000 per person of PIP coverage. PIP pays for the medical and rehabilitation costs of the driver and their passengers.

From there, drivers can opt to add more coverage. That typically includes collision and comprehensive coverage, and coverage for alternative care, wage loss or death benefits.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Honolulu ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Hawaii’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.