Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Aloha State.
The average cost of Hawaii car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Honolulu, HI to find you the cheapest quotes in the area.
Here are the cheapest carriers in Honolulu for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
Progressive | $51/mo |
 State Farm | $55/mo |
 Allstate | $47/mo |
| Pearl City | $53/mo |
| Hilo | $53/mo |
| Waipahu | $53/mo |
| Kaneohe | $53/mo |
| Honolulu | $51/mo |
| Hawaii | $53/mo |
Click here to learn about car insurance quotes and save on your current policy.
The state of Hawaii requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Hawaii are:
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Hawaii state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.
The minimum property damage liability insurance requirements in Hawaii are:
Property damage liability coverage pays for any property that you damage in an accident. The state of Hawaii requires $10,000 for the minimum. You’ll see the collective state minimum listed at 20/40/10. The 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.
The minimum personal injury protection (PIP) insurance requirements in Hawaii are:
Hawaii is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. Hawaii PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The minimum coverage limits Hawaii state law requires is $10,000 per person per accident.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Honolulu drivers measure up to their fellow Hawaii motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Honolulu drivers rank 2 in the number of car accidents per driver across all cities in Hawaii.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Hawaii, Honolulu drivers rank 2 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Honolulu drivers rank 1 in the number of DUI’s per driver across all cities in Hawaii.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Honolulu is the Toyota Corolla.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Hawaii, Honolulu drivers rank 1 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Honolulu drivers rank 1 in clean driving records across all cities in Hawaii.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Honolulu drivers rank 1 in failure to yield violations per driver across all cities in Hawaii.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Hawaii, Honolulu drivers rank 1 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Honolulu drivers rank 2 in hybrid and electric vehicle ownership across all cities in Hawaii.
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The Aloha State has superior air quality index ratings compared to those of the contiguous 48 states. It was also the first state to enact legislation that would model its environmental standards with the Paris Climate Accord. The state does not have many substantial ordinances about alternative fuel vehicles, even though it has a high proportion of green drivers in the form of those operating hybrids, electric cars, and other fuel efficient cars. Idling is illegal in Hawaii.
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
