Best car insurance in Honolulu, HI (2024)

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Nicole WakelinAutomotive journalistNicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country. Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast. Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
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Reviewed by

Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|2 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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The cost for a full coverage car insurance policy in Honolulu, Hawaii, is $1,207 per year, though your rates can vary by company. 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 per year.

  • 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.

Methodology & why you can trust our rates

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.

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

874

State Farm

$982

882

USAA

$1,095

890

Island Insurance

$1,270

--

Allstate

$1,295

889

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

96816

$1,207

96814

$1,207

96818

$1,207

96825

$1,207

96815

$1,207

96850

$1,207

96817

$1,207

96844

$1,207

96826

$1,207

96819

$1,207

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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

Island Insurance

Allstate

At-fault accident

$1,123

$1,170

$1,338

$1,748

$1,975

DUI

$5,585

$1,076

$2,203

$12,031

$3,804

Suspended license

$5,585

$1,076

$1,932

$12,031

$3,804

Open container

$751

$1,076

$1,630

$10,356

$1,828

Expired registration

$751

$1,076

$1,146

$1,391

$1,828

Driving without lights

$751

$1,076

$1,095

$1,391

$1,828

Running a red light

$751

$1,076

$1,146

$1,391

$1,828

Following too closely

$751

$1,076

$1,146

$1,391

$1,828

Hit and run

$5,585

$1,076

$2,203

$12,031

$3,804

Not-at-fault accident

$751

$982

$1,095

$1,270

$1,295

Passing a school bus

$751

$1,076

$1,630

$1,391

$1,828

Reckless driving

$5,585

$1,076

$1,630

$10,356

$3,804

Speeding

$751

$1,076

$1,146

$10,356

$1,828

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Cheapest car insurance for drivers with a DUI in Honolulu, HI

Company

Rates for drivers with DUIs

State Farm

$1,076

USAA

$2,203

Allstate

$3,804

GEICO

$5,585

Island Insurance

$12,031

Cheapest car insurance for drivers with a speeding ticket in Honolulu, HI

Company

Rates for drivers with speeding tickets

GEICO

$751

State Farm

$1,076

USAA

$1,146

Allstate

$1,828

Island Insurance

$10,356

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.

Authors

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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