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Cheap Auto Insurance Quotes in Honolulu, HI (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Honolulu is $118 per month, or $1416 annually.
- Car insurance in Honolulu is $10 more than the average cost of car insurance in Hawaii.
- The cheapest car insurance provider in Honolulu on average is Farmers, but you should always compare quotes to find your best personal rate.
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.
Quotes by Top Companies
Allstate$47
Progressive$51
State Farm$55
Cheapest Car Insurance in Honolulu, HI
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Honolulu | Quotes |
|---|---|
| Allstate | $47 /mo |
| Progressive | $51 /mo |
| State Farm | $55 /mo |
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Average Car Insurance Cost
| Hawaii Cities | |
|---|---|
| Pearl City | $53/mo |
| Hilo | $53/mo |
| Waipahu | $53/mo |
| Kaneohe | $53/mo |
| Honolulu | $51/mo |
| Hawaii | $53/mo |
Honolulu$51
Average for HI$53
Pearl City$53
Hilo$53
Waipahu$53
Kaneohe$53
Click here to learn about car insurance quotes and save on your current policy.
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 96802Continental Insurance Agency of HI, Ltd.
1136 Union Mall,
Ste. 201, Honolulu, HI 96813First Risk Management Services
1100 Ward Avenue,
Suite 715, Honolulu, HI 96814-1617Risk Solution Partners, LLC
800 Bethel St. Suite 201,
Honolulu, HI 96813WHINS Insurance Agency
814 Haniwai Street #101,
Honolulu, HI 96813Insurance Advantage, LLC
1314 S. King St. Ste 661,
Honolulu, HI 96814Insurance Associates, Inc.
800 Bethel St #200,
Honolulu, HI 96813-4305King & Neel Inc
737 Bishop St Ste 2910,
Honolulu, HI 96813-3207Insurance Factors
745 Fort Street Mall Ste 1000,
Honolulu, HI 96813-3809Ocean Marine Insurance Agency
735 Bishop St #327,
Honolulu, HI 96813-4823
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.
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.
Insurify's Greenest Cities
Honolulu
4%% of Hybrids / Electrics
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.
FAQs - Honolulu, HI Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Honolulu Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Honolulu, Hawaii below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Honolulu drivers measure up to their fellow motorists across Hawaii in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Toyota Corolla
Most Popular Car in Honolulu
#2
City with the Most Speeding Tickets Rank in Hawaii
#1
City with the Most Moving Violations Rank in Hawaii
#1
City with the Most DUIs Rank in Hawaii
#3
City with the Most Suspended Licenses in Hawaii
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 pay on average 57.45% more than drivers with a clean record
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 pay on average 67.02% more than drivers with a clean record
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 pay on average 38.3% more than drivers with a clean record
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.
- 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 pay on average 55.32% more than drivers with a clean record.
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%
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 pay on average 0% more than drivers with a clean record
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: 0%
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%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others
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