The best car insurance in Honolulu, HI

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The cost for a full coverage car insurance policy in Honolulu, Hawaii, is $1,200 per year. If you want to find the lowest rate on your car insurance in Honolulu, then you need to shop around and get quotes from multiple insurers.

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Policygenius is here to make the process easy by providing those quotes so you can easily compare policies and find the one that’s best for your needs.

Key Takeaways

  • GEICO offers the lowest average rate for a full coverage car insurance policy in Honolulu at $751.

  • Hawaii does not allow the use of either your age or your credit history in determining your car insurance rates.

  • Hawaii requires car insurance. You must have a minimum of $10,000 for property damage liability per accident, $20,000 for bodily injury or death of one person, $40,000 for bodily injury or death of two or more persons, and $10,000 for personal injury protection.

Cheapest car insurance companies in Honolulu, HI

Insurance costs are different for each person in Honolulu depending on your driving record and the type of car you drive. Although they use the same factors, every company has its own formula for setting rates, so it’s possible to get different rate quotes for similar amounts of coverage.

Company

Average cost

JD Power Rating

GEICO

$751

871

State Farm

$994

881

USAA

$1,095

890

Allstate

1,229

876

Island Insurance

1,270

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Cheapest car insurance rates by ZIP code in Honolulu, HI

Your street address can also impact your insurance rates. Insurance companies use ZIP codes to get a better idea of the risks of owning a car in your neighborhood, such as reports of theft and vandalism in your neighborhood, and the number of accidents and traffic tickets issued there.

ZIP code

Average cost

96813

$1,200

96814

$1,200

96815

$1,200

96816

$1,200

96817

$1,200

96818

$1,200

96819

$1,200

96821

$1,200

Choosing the right car insurance company in Honolulu, HI

Finding the right car insurance company means finding one that fits your needs, but it comes down to a few factors.

  • Cost: You need to get quotes from multiple companies so you can see which has the best rates.

  • Coverage: Make sure you have enough coverage to protect yourself in case of a serious accident.

  • Service: Check customer service ratings and claims satisfaction scores before you buy a policy.

Policygenius makes comparing car insurance companies easy by showing you quotes from multiple insurers to evaluate what each one offers, and you can feel confident you’re making the right choice.

Car insurance rates for drivers with driving violations in Honolulu, HI

Any driving violations will increase your rates, especially if you have more than one. Accidents are even worse for your insurance rates, and the more driving violations on your driving record, the more you will pay for car insurance.

Violation

GEICO

State Farm

USAA

Allstate

Island Insurance

At-fault accident

$1,123

$1,184

$1,338

$1,869

$1,748

DUI

$5,585

$1,089

$2,203

$3,582

$12,031

Suspended license

$5,585

$1,089

$1,932

$3,582

$12,031

Open container

$751

$1,089

$1,630

$1,732

$10,356

Expired registration

$751

$1,089

$1,146

$1,732

$1,391

Driving without lights

$751

$1,089

$1,146

$1,732

$1,391

Not showing documents

$751

$1,089

$1,146

$1,732

$1,391

Running a red light

$751

$1,089

$1,146

$1,732

$1,391

Cheapest car insurance for drivers with bad credit in Honolulu, HI

Insurance companies sometimes use your credit score when calculating what to charge you for car insurance. However, in Hawaii, insurers are not allowed to use your credit history in determining your rates.

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Buying car insurance in Honolulu, HI

You are required to have car insurance in Hawaii with the following minimum amounts on your policy.

  • Bodily injury liability coverage per person: $20,000

  • Bodily injury liability coverage per accident: $40,000

  • Property damage liability coverage: $10,000

  • Personal injury protection: $10,000

You must be able to provide proof of insurance if requested. If you are unable to provide this proof, then you will face penalties, including fines and even jail time.

How to get cheap car insurance in Honolulu, HI

  • Drive safely: Avoid accidents and tickets to save on your car insurance

  • Shop around: Compare rates from multiple companies to find the best rate available.

  • Get informed about coverage: Look at the details, including all the deductibles, to get the coverage you need for your car.

  • Inquire about discounts: Ask about discounts for those in the military, low-mileage drivers, safe drivers, good students, and even for members of professional organizations including firefighters, teachers, and members of law enforcement.

  • Bundle policies: If you have rental or homeowner’s insurance, getting your car insurance policy at the same company could lower all those rates.

Frequently asked questions

Who has the cheapest car insurance rates in Honolulu?

Our most current data shows that GEICO and State Farm have the cheapest car insurance rates in Honolulu.

How can I save money on my car insurance in Honolulu?

You can save on your car insurance by maintaining a clean driving record free of accidents and violations.

Is Hawaii a no-fault state?

Yes, Hawaii is a no-fault state. This means that the insurance of each driver will pay the related expenses of those in their own vehicle.

Does Hawaii require car insurance?

Yes, Hawaii does require car insurance. You must have a minimum of $10,000 for property damage liability per accident, $20,000 for bodily injury or death of one person, $40,000 for bodily injury or death of two or more persons, and $10,000 personal injury protection.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.