Compare Honolulu, HI Car Insurance Rates (2021)

Car insurance in Honolulu, HI averages $209 a month. Honolulu, Hawaii car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Honolulu car insurance rates, compare quotes from the top car insurance companies in Honolulu, HI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Honolulu, HI are $2,511/year
  • Average car insurance rates in Honolulu, HI after a DUI are $5,006/year
  • The cheapest ZIP code in Honolulu is 96813

If you need to buy Honolulu, Hawaii car insurance, the options can be confusing. Everything you need to know about car insurance in Honolulu, HI is right here.

You’ll find Honolulu car insurance rates, the cheapest Honolulu, HI car insurance companies, and information on Hawaii car insurance laws. You can also compare Honolulu, Hawaii car insurance rates to Ookala car insurance rates, Kahului car insurance rates, and Kilauea car insurance rates.

Ready to find affordable Honolulu, HI car insurance today? Enter your ZIP code for fast, free Honolulu car insurance quotes.

Cheapest Honolulu, HI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Honolulu, HI car insurance rates? Every Honolulu, Hawaii car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Honolulu, Hawaii

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,130 $2,130 $2,130 $2,130 $2,130 $2,130 $2,130 $2,130
Farmers $4,562 $4,562 $4,562 $4,562 $4,970 $4,970 $4,562 $4,562
GEICO $3,219 $3,219 $3,219 $3,219 $3,219 $3,219 $3,219 $3,219
Liberty Mutual $3,069 $3,069 $3,069 $3,069 $3,107 $3,107 $3,069 $3,069
Progressive $1,966 $1,966 $1,966 $1,966 $2,757 $2,757 $1,966 $1,966
State Farm $1,050 $1,050 $1,050 $1,050 $1,050 $1,050 $1,050 $1,050
USAA $1,258 $1,258 $1,258 $1,258 $1,315 $1,315 $1,258 $1,258

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Minimum Car Insurance in Honolulu, HI

Every driver must carry the minimum car insurance in Honolulu, HI. Take a look at the Hawaii car insurance requirements.

Minimum Required Car Insurance Coverage in Honolulu, Hawaii

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Honolulu, HI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Honolulu, HI to rates for a clean record with top companies.

Annual Honolulu, Hawaii Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $1,251 $1,841 $3,712 $1,717
Farmers $2,245 $3,346 $10,820 $2,245
GEICO $1,359 $1,761 $8,397 $1,359
Liberty Mutual $1,651 $2,060 $6,544 $2,060
Progressive $1,644 $2,309 $2,581 $2,123
State Farm $960 $1,140 $1,050 $1,050
USAA $962 $1,179 $1,942 $1,007

Cheapest Honolulu, HI Car Insurance for Teen Drivers

Teen car insurance in Honolulu, HI can be expensive. Take a look at rates from the top car insurance companies in Honolulu for teenagers.

Annual Car Insurance Rates for Teen Drivers in Honolulu, Hawaii

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $2,130 $2,130
Farmers $4,970 $4,970
GEICO $3,219 $3,219
Liberty Mutual $3,107 $3,107
Progressive $2,757 $2,757
State Farm $1,050 $1,050
USAA $1,315 $1,315

Cheapest Honolulu, HI Car Insurance for Seniors

Take a look at Honolulu, HI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Honolulu, Hawaii

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,130 $2,130
Farmers $4,562 $4,562
GEICO $3,219 $3,219
Liberty Mutual $3,069 $3,069
Progressive $1,966 $1,966
State Farm $1,050 $1,050
USAA $1,258 $1,258

Cheapest Honolulu, HI Car Insurance Rates After a DUI

A DUI in Honolulu, HI increases car insurance rates. Compare Honolulu, Hawaii DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Honolulu, Hawaii

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,712
Farmers $10,820
GEICO $8,397
Liberty Mutual $6,544
Progressive $2,581
State Farm $1,050
USAA $1,942

Cheapest Honolulu, HI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Honolulu, HI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Honolulu, Hawaii

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $1,999 $2,262
Farmers $4,664 $4,664
GEICO $3,219 $3,219
Liberty Mutual $3,078 $3,078
Progressive $2,164 $2,164
State Farm $1,050 $1,050
USAA $1,272 $1,272

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Cheapest Honolulu, HI Car Insurance Rates by ZIP Code

Honolulu car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Honolulu, HI.

Annual Car Insurance Rates by ZIP Code in Honolulu, Hawaii

ZIP Code Average Annual Rates
96813 $2,511
96814 $2,511
96815 $2,511
96816 $2,511
96817 $2,511
96818 $2,511
96819 $2,511
96821 $2,511
96822 $2,511
96825 $2,511
96826 $2,511
96844 $2,511
96850 $2,511
96859 $2,511

The Best Cheap Car Insurance Companies in Honolulu, HI

Take a look at a side-by-side comparison of the top car insurance companies in Honolulu, HI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Honolulu, Hawaii

Insurance Company Average Annual Rates
Allstate $2,130
Farmers $4,664
GEICO $3,219
Liberty Mutual $3,078
Progressive $2,164
State Farm $1,050
USAA $1,272

Category Winners: Cheapest Car Insurance in Honolulu, Hawaii

Find the cheapest car insurance companies in Honolulu, HI for each category right here.

Best Annual Car Insurance Rates by Company in Honolulu, Hawaii

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Honolulu, HI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Honolulu car insurance rates. Find the cheapest Honolulu, HI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Honolulu, Hawaii

Insurance Company Low Medium High
Allstate $1,976 $2,136 $2,279
Farmers $4,463 $4,702 $4,828
GEICO $3,052 $3,245 $3,360
Liberty Mutual $3,067 $2,900 $3,268
Progressive $1,959 $2,163 $2,371
State Farm $977 $1,053 $1,120
USAA $1,203 $1,272 $1,342

What affects car insurance rates in Honolulu, Hawaii?

What factors can have an impact on Honolulu, HI car insurance? There are several reasons why Honolulu car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Honolulu, Hawaii.

Car Theft in Honolulu

High levels of vehicle theft can make car insurance more expensive. Honolulu, HI car theft statistics from the FBI indicate 4,191 vehicle thefts a year.

Commute Time in Honolulu

The more time you spend in your car the higher the risk of an accident. The average commute length in Honolulu, HI is 29.8 minutes according to City-Data.

Traffic in Honolulu

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Honolulu, HI traffic data from INRIX ranks Honolulu as the 643rd-most congested in the world.

Compare Car Insurance Quotes in Honolulu, HI

Ready to find affordable Honolulu, Hawaii car insurance today? Enter your ZIP code for fast, free Honolulu, HI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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