Buy Cheap Honolulu, HI Auto Insurance in 2024
Honolulu, HI auto insurance rates average $209 a month. Minimum auto insurance requirements in Honolulu, Hawaii are 20/40/10 to comply with Hawaii laws. To buy cheap auto insurance in Honolulu, HI, compare Honolulu auto insurance quotes from top companies.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Honolulu, HI are $209/month
- Average auto insurance rates in Honolulu, HI after a DUI are $5,006/year
- Average auto insurance rates in Honolulu, HI for teens drivers are $2,650/year
Finding affordable Honolulu, Hawaii auto insurance can be challenging, but everything you need to know to buy cheap Honolulu, HI auto insurance with confidence is right here. Auto insurance rates in Honolulu are affected by local factors as well as personal ones like your driving record.
See how Honolulu, HI car insurance rates compare to Kealakekua auto insurance rates, Kaanapali auto insurance rates, and Hawi auto insurance rates before you read more about the cost of auto insurance in Honolulu.
Don’t buy Honolulu, HI auto insurance until you’ve compared rates. Get free Honolulu, Hawaii auto insurance quotes when you enter your ZIP code above.
Honolulu, HI Minimum Auto Insurance Requirements
The required auto insurance in Honolulu, HI is 20/40/10 according to the auto insurance laws in Hawaii. The minimum auto insurance in Honolulu, Hawaii is outlined here.
Minimum Required Auto Insurance Coverage in Honolulu, Hawaii
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Buy Cheap Honolulu, HI Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Honolulu, Hawaii auto insurance rates? Find out how car insurance rates in Honolulu, HI are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Honolulu, Hawaii
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,130 | $2,130 | $2,130 | $2,130 | $2,130 | $2,130 | $2,130 | $2,130 |
| Farmers | $4,562 | $4,562 | $4,562 | $4,562 | $4,970 | $4,970 | $4,562 | $4,562 |
| Geico | $3,219 | $3,219 | $3,219 | $3,219 | $3,219 | $3,219 | $3,219 | $3,219 |
| Liberty Mutual | $3,069 | $3,069 | $3,069 | $3,069 | $3,107 | $3,107 | $3,069 | $3,069 |
| Progressive | $1,966 | $1,966 | $1,966 | $1,966 | $2,757 | $2,757 | $1,966 | $1,966 |
| State Farm | $1,050 | $1,050 | $1,050 | $1,050 | $1,050 | $1,050 | $1,050 | $1,050 |
| USAA | $1,258 | $1,258 | $1,258 | $1,258 | $1,315 | $1,315 | $1,258 | $1,258 |
Buy Cheap Honolulu, HI Auto Insurance for Teen Drivers
Auto insurance for teenagers in Honolulu can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Honolulu, HI are listed here.
Annual Auto Insurance Rates for Teen Drivers in Honolulu, Hawaii
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $2,130 | $2,130 |
| Farmers | $4,970 | $4,970 |
| Geico | $3,219 | $3,219 |
| Liberty Mutual | $3,107 | $3,107 |
| Progressive | $2,757 | $2,757 |
| State Farm | $1,050 | $1,050 |
| USAA | $1,315 | $1,315 |
Buy Cheap Honolulu, HI Auto Insurance for Seniors
You can save on senior auto insurance rates in Honolulu, Hawaii by comparing Honolulu senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Honolulu, HI here.
Annual Auto Insurance Rates for Senior Drivers in Honolulu, Hawaii
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,130 | $2,130 |
| Farmers | $4,562 | $4,562 |
| Geico | $3,219 | $3,219 |
| Liberty Mutual | $3,069 | $3,069 |
| Progressive | $1,966 | $1,966 |
| State Farm | $1,050 | $1,050 |
| USAA | $1,258 | $1,258 |
Find Cheap Auto Insurance Rates in Honolulu, HI by Coverage Level
The amount of coverage you choose is a big factor in the cost of Honolulu, Hawaii auto insurance. Compare Honolulu, HI auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Honolulu, Hawaii
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $1,976 | $2,136 | $2,279 |
| Farmers | $4,463 | $4,702 | $4,828 |
| Geico | $3,052 | $3,245 | $3,360 |
| Liberty Mutual | $3,067 | $2,900 | $3,268 |
| Progressive | $1,959 | $2,163 | $2,371 |
| State Farm | $977 | $1,053 | $1,120 |
| USAA | $1,203 | $1,272 | $1,342 |
Find Cheap Honolulu, HI Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Honolulu. Compare auto insurance rates in Honolulu, HI by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Honolulu, Hawaii
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $1,999 | $2,262 |
| Farmers | $4,664 | $4,664 |
| Geico | $3,219 | $3,219 |
| Liberty Mutual | $3,078 | $3,078 |
| Progressive | $2,164 | $2,164 |
| State Farm | $1,050 | $1,050 |
| USAA | $1,272 | $1,272 |
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Find Cheap Honolulu, HI Auto Insurance Rates by ZIP Code
Auto insurance rates in Honolulu, Hawaii can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Honolulu, HI to see how much where you live in Honolulu affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Honolulu, Hawaii
| ZIP Code | Average Annual Rates |
|---|---|
| 96813 | $2,511 |
| 96814 | $2,511 |
| 96815 | $2,511 |
| 96816 | $2,511 |
| 96817 | $2,511 |
| 96818 | $2,511 |
| 96819 | $2,511 |
| 96821 | $2,511 |
| 96822 | $2,511 |
| 96825 | $2,511 |
| 96826 | $2,511 |
| 96844 | $2,511 |
| 96850 | $2,511 |
| 96859 | $2,511 |
Find Cheap Honolulu, HI Auto Insurance Rates by Driving Record
Auto insurance rates in Honolulu, Hawaii are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Honolulu, HI, take a look at the average cost for various violations versus rates for a clean driving record in Honolulu.
Annual Honolulu, Hawaii Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $1,251 | $1,841 | $3,712 | $1,717 |
| Farmers | $2,245 | $3,346 | $10,820 | $2,245 |
| Geico | $1,359 | $1,761 | $8,397 | $1,359 |
| Liberty Mutual | $1,651 | $2,060 | $6,544 | $2,060 |
| Progressive | $1,644 | $2,309 | $2,581 | $2,123 |
| State Farm | $960 | $1,140 | $1,050 | $1,050 |
| USAA | $962 | $1,179 | $1,942 | $1,007 |
Find Cheap Honolulu, HI Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Honolulu, Hawaii is higher than for a clean driving record. You can buy auto insurance after a DUI in Honolulu for less when you shop around and compare rates from multiple Honolulu, HI auto insurance companies.
Annual Auto Insurance Rates After a DUI in Honolulu, Hawaii
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,712 |
| Farmers | $10,820 |
| Geico | $8,397 |
| Liberty Mutual | $6,544 |
| Progressive | $2,581 |
| State Farm | $1,050 |
| USAA | $1,942 |
Winners by Category: Where to Buy Cheap Auto Insurance in Honolulu, HI
Compare rates from the cheapest auto insurance companies in Honolulu, HI for your needs. Take a look at how Honolulu, Hawaii auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Honolulu, Hawaii
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Honolulu, Hawaii Auto Insurance Companies
If you’re looking for the cheapest Honolulu, HI auto insurance companies overall, you can compare them here. Find the best price for Honolulu, Hawaii car insurance by company.
Average Annual Auto Insurance Rates by Company in Honolulu, Hawaii
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,130 |
| Farmers | $4,664 |
| Geico | $3,219 |
| Liberty Mutual | $3,078 |
| Progressive | $2,164 |
| State Farm | $1,050 |
| USAA | $1,272 |
What affects Honolulu, Hawaii auto insurance rates?
Local factors affect auto insurance rates in Honolulu, HI, including traffic, theft statistics, and commute length. Take a look at the things that impact Honolulu auto insurance rates.
Auto Theft in Honolulu
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Honolulu, HI auto theft show a total of 4,191 vehicle thefts annually.
Commute Times in Honolulu
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Honolulu, HI is 29.8 minutes according to City-Data.
Traffic in Honolulu
How is traffic in Honolulu, Hawaii? Inrix data shows that Honolulu, HI traffic makes it the 643rd-most congested city compared to other cities worldwide.
Compare Auto Insurance Quotes in Honolulu, HI
You can buy cheap Honolulu, HI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Honolulu, Hawaii auto insurance quotes from top companies.
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Frequently Asked Questions
Why should I consider buying cheap auto insurance in Honolulu, HI?
Cheap auto insurance in Honolulu, HI provides essential coverage at an affordable price. It helps protect you financially in case of accidents, theft, or damage to your vehicle. Auto insurance is mandatory in Hawaii, and having an affordable policy ensures you comply with the law while still meeting your budgetary needs.
Will buying cheap auto insurance mean sacrificing coverage?
Not necessarily. While cheap auto insurance policies often come with lower premiums, it doesn’t mean you have to sacrifice coverage. It’s important to carefully review the policy terms and coverage limits before purchasing. Look for policies that provide adequate coverage for liability, property damage, personal injury protection, and uninsured/underinsured motorist coverage. By comparing quotes and understanding your coverage needs, you can find affordable auto insurance without compromising necessary protection.
Are there any specific requirements for auto insurance in Honolulu, HI?
Yes, Hawaii has specific requirements for auto insurance coverage. According to the law, drivers in Honolulu, HI must carry at least:
- $20,000 bodily injury liability coverage per person
- $40,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
In addition to these minimum requirements, it is also advisable to consider personal injury protection (PIP) coverage and uninsured/underinsured motorist coverage for enhanced protection.
How can I save money on auto insurance in Honolulu, HI?
Here are some tips to save money on auto insurance in Honolulu, HI:
- Maintain a good driving record: Avoid accidents and traffic violations to maintain a clean driving record, as this can lead to lower premiums.
- Bundle policies: Consider bundling your auto insurance policy with other policies like homeowner’s insurance or renter’s insurance from the same provider. This often qualifies you for a multi-policy discount.
- Inquire about discounts: Ask your insurance provider about available discounts such as safe driver discounts, good student discounts, or discounts for installing safety features in your vehicle.
- Choose a higher deductible: Opting for a higher deductible means you’ll pay more out of pocket in case of a claim, but it can lower your premium.
- Compare quotes: Regularly compare quotes from different insurance providers to ensure you’re getting the best possible rate.
Are there any specific factors that affect auto insurance rates in Honolulu, HI?
Yes, several factors can impact your auto insurance rates in Honolulu, HI. These factors include:
- Driving record: Your driving history, including accidents and traffic violations, can influence your insurance rates. A clean driving record typically leads to lower premiums.
- Vehicle type: The make, model, and year of your vehicle can affect your insurance rates. Generally, vehicles with higher safety ratings and lower repair costs tend to have lower premiums.
- Age and gender: Younger, less experienced drivers usually have higher insurance rates. Additionally, statistical data may show differences in risk profiles between genders, which can affect premiums.
- Location: Your location, including factors such as the frequency of accidents and thefts in the area, can impact insurance rates. Urban areas or areas with higher crime rates may have higher premiums.
- Credit history: In some states, including Hawaii, insurance providers can use credit-based insurance scores to determine rates. Maintaining a good credit history can help lower your premiums.
- Annual mileage: The number of miles you drive annually can affect your insurance rates. Higher mileage generally means higher risk, leading to higher premiums.
- Coverage limits and deductibles: The coverage limits and deductibles you choose for your policy can affect the cost of your insurance. Higher coverage limits and lower deductibles typically result in higher premiums.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.