Best Auto Insurance Rates in Honolulu, Hawaii

On average, your neighbors pay $63 a month.

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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 Honolulu is $764.72 a year. The national average is $889.01

Hawaii Average Annual Car Insurance Rates
Coverage Rates
Liability $458.54
Collision $313.17
Comprehensive $101.56
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.

Hawaii average car insurance rates

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.

  1. GEICO
  2. State Farm
  3. Allstate
  4. Farmers
  5. Progressive
  6. Liberty Mutual
  7. USAA
  8. AAA
  9. Nationwide
  10. The Hartford

Other popular car insurance companies in Honolulu include First Insurance Company of Hawaii, The General, and Esurance.

Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles in Honolulu

These are the most popular car makes and models owned by Honolulu, HI QuoteWizard users:

  1. Honda Civic LX
  2. Honda Civic EX
  3. Nissan Versa Note S
  4. Toyota Corolla L
  5. Toyota Forerunner SR5
  6. Toyota Tacoma Double Cab Prerunner
  7. Honda Pilot EX
  8. Toyota Corolla Eco
  9. Infiniti Q50 Base
  10. Mazda 3 Sport
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

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 

Honolulu Drivers

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.

Driving Conditions

Weather, road conditions, and traffic can affect your insurance rates. Riskier driving conditions lead to higher premiums.

Weather

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.

Road Conditions

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 $745 annually.

Traffic Congestion

TomTom ranks Honolulu as the 8th most congested city in the US. Traffic levels add an extra 34 minutes per day onto your commute.

Moving Violations

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.

Traffic Tickets

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
  • DUI
  • 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.

Traffic Fatalities

There were 120 traffic fatalities in Hawaii in 2016. Honolulu reported 20 car crash fatalities in 2017.

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.

Save With Car Insurance Discounts

Looking to save money on your car insurance in Honolulu? There are many discount options available to lower your premiums:

  1. If you’re a safe driver with a clean record, that can add up to lower rates
  2. If you’re married, insurers often offer discounts to married couples 
  3. If you’re age 55 or over, check to see if there’s a senior citizens discount
  4. Shop around and compare car insurance rates in Honolulu.
  5. Have more than one car? Look into a multiple car discount
  6. Make sure your car as up-to-date safety features and anti-theft devices
  7. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  8. If you live in a safe neighborhood in Honolulu, you could save money 
  9. Take a certified defensive driving course 
  10. Bundle your auto policy with your home or renters insurance, you can reduce your total bill up to 15 percent

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