Cheap Auto Insurance Quotes in Honolulu, HI (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Aloha State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes

Car Insurance in Honolulu, HI

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.

$51
$55
$47
ProgressiveState FarmAllstate

Cheapest Car Insurance in Honolulu

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.

Average Car Insurance Cost

$53
$53
$53
$53
$53
$51
HawaiiPearl CityHiloWaipahuKaneoheHonolulu

Click here to learn about car insurance quotes and save on your current policy.

Honolulu, HI Driving Facts

hawaii

Minimum Car Insurance Requirements in HI

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:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident

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:

  • $10,000 property damage liability per accident

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:

  • $10,000 personal injury protection (PIP) per person per accident

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.

Find local Honolulu agents

Organized Capital Corporation
1585 Kapiolani Blvd. Ste. 1010, Honolulu, HI 96802
Continental Insurance Agency of HI, Ltd.
1136 Union Mall, Ste. 201, Honolulu, HI 96813
First Risk Management Services
1100 Ward Avenue, Suite 715, Honolulu, HI 96814-1617
Risk Solution Partners, LLC
800 Bethel St. Suite 201, Honolulu, HI 96813
WHINS Insurance Agency
814 Haniwai Street #101, Honolulu, HI 96813
Insurance Advantage, LLC
1314 S. King St. Ste 661, Honolulu, HI 96814
Insurance Associates, Inc.
800 Bethel St #200, Honolulu, HI 96813-4305
King & Neel Inc
737 Bishop St Ste 2910, Honolulu, HI 96813-3207
Insurance Factors
745 Fort Street Mall Ste 1000, Honolulu, HI 96813-3809
Ocean Marine Insurance Agency
735 Bishop St #327, Honolulu, HI 96813-4823

Insurify Insights: How Honolulu Drivers Measure Up

toyota
Toyota Corolla
Most Popular Car in
Honolulu, HI
suspended licenses
#1
Cities with Most
Suspended Licenses Rank

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.

Accidents Honolulu

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.

  • Rank within state: #2
  • Percent of drivers in Honolulu with an accident: 9.66%
  • Drivers in Honolulu, HI with an accident in their driving history paid on average 57.45% more than drivers with a clean record

Speeding Honolulu

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.

  • Rank within state: #2
  • Percent of drivers in Honolulu with a speeding ticket: 8.8%
  • Drivers in Honolulu, HI with a speeding ticket in their driving history paid on average 67.02% more than drivers with a clean record

DUI/DWIs Honolulu

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.

  • Rank within state: #1
  • Percent of drivers in Honolulu with a DUI: 1.22%
  • Drivers in Honolulu, HI with a DUI in their driving history paid on average 38.3% more than drivers with a clean record

Most Popular Vehicle Honolulu

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.

Rude Honolulu

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.

  • Rank within state: #1
  • Percent of drivers in Honolulu with a reckless driving violation: 2.07%
  • Drivers in Honolulu, HI with a reckless driving violation in their driving history paid on average 55.32% more than drivers with a clean record.

Safest Drivers Honolulu

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.

  • Rank within state: #1
  • Percent of drivers in Honolulu with clean record: 82.76%

Failure to Yield the Right of Way Honolulu

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.

  • Rank within state: #1
  • Percent of drivers in Honolulu with a failure to yield violation: 0.5%
  • Drivers in Honolulu, HI with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Honolulu

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.

  • Rank within state: #1
  • Percent of drivers in Honolulu with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Honolulu

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.

  • Rank within state: #2
  • Percent of drivers in Honolulu with a hybrid/electric vehicle: 4.07%

Green Driving in Honolulu, HI

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.

Greenes Cities

Honolulu

Greenes Cities
% of Hybrids / Electrics
4%
Most Patriotic City

Most Patriotic City

Honolulu

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.

Insurify Rate Comparison Methodology

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.