Cheap Auto Insurance Quotes in Honolulu, HI (2021)

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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.

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Cheapest Car Insurance in Honolulu, HI

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

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Honolulu, HI Driving Facts

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 Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Honolulu stacks up for the state of Hawaii:

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

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


Greenes Cities
% of Hybrids / Electrics
Most Patriotic City

Most Patriotic City


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.