)
3 años de experiencia en redacción de contenidos
Artículos en destacadas publicaciones financieras
Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
Featured in
)
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
The capital city of O’ahu, Hawaii’s most-populated island, Honolulu has a population of nearly 1 million people. The average cost of auto insurance in Honolulu is $61 per month, which is 56% less than the national average rate of $139 per month. GEICO, State Farm, and USAA offer the cheapest average rates in Honolulu.
Hawaii drivers may see lower car insurance rates compared to the national average because the state prohibits auto insurers from using credit ratings when determining premium costs or issuing policies.[1]
Because Hawaii is a no-fault state, all drivers involved in an auto accident must file a claim with their car insurance company.[2]
In addition to liability coverage, drivers in Hawaii must carry a minimum amount of personal injury protection (PIP) coverage to drive legally.
Full-coverage car insurance in Honolulu costs $80 per month, on average.
Best car insurance companies in Honolulu
The best car insurance company for you depends on your unique insurance needs, driver profile, and financial circumstances. For example, if you have a family with multiple drivers, you may want to consider a company with sizable multi-vehicle and multi-policy discounts.
You can find the best insurance companies in Honolulu below.
Best insurer for cheap rates: GEICO
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $118/mo |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Mitchell
February 19, 2025
Geico Review
Godfrey
February 19, 2025
Very Expensive
Brandon
February 18, 2025
Poor Theft Coverage
GEICO, the third-largest auto insurer in the U.S., offers reliable coverage at an affordable price. It also advertises at least 16 different discounts that can reduce your premium. The company has fairly standard auto coverage options, with add-ons like emergency road service, rental reimbursement, and mechanical breakdown insurance.
Wide array of discounts
User-friendly website and mobile app
24/7 customer service available
Gap and rideshare insurance not available
Can’t bundle auto policy with a life insurance policy
Mixed online reviews about company’s level of agent support
Best insurer for families: State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Cheryl
February 19, 2025
Average
Lisa
February 18, 2025
My premium increased by $20 monthly without any explanation. I have been a customer for more than 20 years and still have difficulty getting my questions answered.
Mikla
February 18, 2025
Mikla & Sam's Quote
Founded more than 100 years ago, State Farm has been a trusted auto insurer for families for many years. The company offers multi-car and multi-policy discounts that families can benefit from and provides savings opportunities for young drivers through programs like Steer Clear and Drive Safe & Save. Policyholders can easily customize coverage so it works for their insurance needs.
Ranks high in customer satisfaction
Rideshare insurance available
Multiple bundling discounts
Doesn’t offer gap insurance
Accident forgiveness not available
Some reports of delays in claim resolution
Best insurer for military members: USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $46/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Charles
February 19, 2025
Best Insurance Company: USAA
Wendy
February 18, 2025
Expensive
Joseph
February 17, 2025
Your Best Bet
USAA has auto insurance designed for military members, veterans, and their immediate families. The auto insurer also provides its members access to discounts for bundling insurance products, insuring more than one vehicle, living on a military base, and more. Given that Hawaii is home to the U.S. Indo-Pacific Command headquarters, a number of Hawaii residents can benefit from USAA’s auto insurance.
Affordable premiums for members
Savings of up to 30% possible via SafePilot program
Received high marks in customer service and claims satisfaction
Exclusively available to active-duty military members, veterans, and family members
No 24/7 customer phone support
Gap insurance not available
Cheapest liability-only car insurance in Honolulu
If you have an accident, liability-only car insurance covers the other driver’s related medical bills and vehicle repairs. Liability insurance is the most affordable policy option an insurer will offer, but it doesn’t cover any of your vehicle damage or medical expenses. This coverage works best for drivers with old or inexpensive vehicles.[3]
Here are some of the cheapest options for liability-only car insurance in Honolulu.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
GEICO | $59 |
State Farm | $63 |
21st Century | $78 |
USAA | $83 |
Allstate | $105 |
Progressive | $108 |
AIG | $116 |
Cheapest full-coverage car insurance in Honolulu
A full-coverage policy protects your car, as well as the other driver and their vehicle. Full-coverage policies typically include a combination of liability, collision, and comprehensive coverage. You should consider this coverage if you drive frequently or have a new or high-value car. If you lease or finance your car, your auto lender or dealer may require you to purchase it.
Here are some of the most affordable options for full-coverage insurance in Honolulu.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
GEICO | $99 |
State Farm | $106 |
21st Century | $130 |
USAA | $139 |
Allstate | $174 |
Progressive | $180 |
AIG | $194 |
Car insurance requirements in Hawaii
Hawaii is a no-fault state, which means each driver needs to file a claim with their insurer after an accident. Drivers must carry a minimum of personal injury protection (PIP) insurance to cover their medical expenses. This system allows drivers to receive immediate medical attention after an accident without filing a claim with the other party’s auto insurer.
Here are the minimum requirements for car insurance coverage in Hawaii:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $20,000 per person and $40,000 per accident |
Property damage liability | $10,000 per accident |
Personal injury protection (PIP) | $10,000 per person |
You need auto insurance to safeguard your assets after a car accident, and more coverage provides more financial protection. If you want coverage beyond the state’s requirements, you can consider the following optional policies:
Uninsured motorist coverage
Uninsured motorist coverage compensates you for your damages and injuries if someone who doesn’t have enough insurance causes an accident.
Collision coverage
If you have a collision with another vehicle or object, collision coverage can reimburse you for vehicle repairs. This applies regardless of fault.
Comprehensive coverage
With comprehensive coverage, you’ll receive compensation for vehicle repairs if your car incurs damages due to non-collision incidents like theft, vandalism, and severe weather.
Cheapest car insurance for drivers with an incident
Driving incidents are moving violations that can negatively affect your driving record, like speeding tickets, driving under the influence (DUI) charges, and at-fault accidents. These incidents can increase your insurance premiums significantly.
The frequency and severity of the incidents on your driving record typically influence how much your auto insurer increases your premium.[5] For example, a single speeding ticket on your record shouldn’t increase your premium as much as an accident or DUI.
Cheapest car insurance for drivers with a speeding ticket
A speeding ticket can indicate to insurers that you’re a high-risk driver. Drivers who engage in reckless driving, such as speeding, are a liability to insurers. You may pay higher premiums to offset the risk.
Find the cheapest average car insurance quotes for Honolulu drivers with a speeding ticket below.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
---|---|---|
GEICO | $132 | $79 |
State Farm | $142 | $84 |
21st Century | $174 | $104 |
USAA | $186 | $112 |
Allstate | $234 | $140 |
Progressive | $242 | $144 |
AIG | $260 | $156 |
Cheapest car insurance for drivers with an at-fault accident
Having an at-fault accident on your record can cause a significant increase in your premium because it signals to insurers that you may have engaged in risky driving behaviors. Accidents can come with costly claims payouts that insurers want to avoid.
Here are some of the cheapest car insurance companies for Honolulu drivers with an at-fault accident on their record.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
---|---|---|
GEICO | $141 | $85 |
State Farm | $151 | $90 |
21st Century | $186 | $111 |
USAA | $198 | $119 |
Allstate | $249 | $150 |
Progressive | $258 | $154 |
AIG | $277 | $166 |
Cheapest car insurance for drivers with a DUI
Due to the severity of the offense, a past DUI typically has a sizable effect on your auto insurance rates. If you get a DUI in Hawaii, you’ll likely need to file an SR-22 certificate to prove you have the state’s minimum liability coverage. Some insurers don’t offer coverage to high-risk drivers, and others simply charge much higher rates.
You can try to cut your costs by shopping around for coverage from multiple insurance companies. The following companies offer some of the cheapest average monthly quotes for Honolulu drivers with a DUI conviction.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
---|---|---|
GEICO | $153 | $92 |
State Farm | $164 | $98 |
21st Century | $201 | $120 |
USAA | $215 | $129 |
Allstate | $270 | $162 |
Progressive | $279 | $167 |
AIG | $300 | $180 |
Cheapest car insurance for seniors
Your age has an effect on how much you pay for car insurance. Your insurance rates will decrease as you gain more experience on the road, and drivers between the ages of 35 and 75 typically see steadily decreasing premiums.
However, premiums may increase again for senior drivers after they turn 75, due to aging-related risk factors insurers begin to account for. If you’re an older driver in Hawaii, you can still find affordable car insurance. Start your search with the companies below.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
---|---|---|
GEICO | $69 | $41 |
State Farm | $74 | $44 |
21st Century | $91 | $54 |
USAA | $97 | $58 |
Allstate | $122 | $73 |
Progressive | $126 | $75 |
AIG | $136 | $81 |
Cheapest car insurance for teens
Teenage drivers are more likely to get into an accident due to their lack of experience on the road. As a result, this demographic of drivers tends to pay the highest car insurance rates.
Younger drivers can lower costs by completing a driver safety course, earning student discounts, and joining their parents’ existing insurance plan. They can also shop from insurance companies, like the ones below, that provide budget-friendly costs to teenagers.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only |
---|