Cheapest Car Insurance Quotes in Honolulu

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Honolulu Car Insurance

^$ 32

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Honolulu

The car insurance rate in Honolulu is $886 for a six-month policy, which is $81 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $693, making it a popular choice for budget-conscious drivers. Rates in Honolulu can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Honolulu

$886

Avg. Car Insurance in Hawaii

$805

National Average

$1278

Cheapest Car Insurance Companies in Honolulu

1st place: Island Insurance Group

At $693 for a six month policy, Island Insurance Group offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $693 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $811 for six months, making it the third cheapest auto insurance company in Honolulu.

Honolulu Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Honolulu, HI is Island Insurance Group, offering policies at just $693 for a six-month term. This is followed by USAA, which has an average six-month premium of $693.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1156 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Honolulu drivers find the best deals.

Cheap Car Insurance Companies in Honolulu, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$693	$118
USAA	$693	$117
Farmers	$811	$136
21st Century	$817	$136
Progressive	$876	$147
Island	$947	$158
State Farm	$987	$166
Tradewinds Insurance	$993	$165
Allstate	$1156	$195

Key Takeaways

Way's key takeaways about car insurance in Honolulu

The auto insurance costs in Honolulu fall around $693 for six months.
The cheapest auto insurance company in Honolulu is USAA.
Teen drivers pay the highest rate in Honolulu at $120 per month.

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Cheapest Minimum Liability Car Insurance in Honolulu

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Honolulu are given below.

USAA provides the cheapest minimum car insurance coverage in Honolulu. Their Average 6 Month Premium is $189. Progressive is the most expensive at $373 for the same period.

Cheapest Liability Coverage in Honolulu, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$189	$32
Island	$196	$33
Island Insurance Group	$196	$33
21st Century	$268	$45
Farmers	$268	$45
State Farm	$333	$56
Allstate	$353	$59
Progressive	$373	$63

Cheapest Full Coverage Car Insurance in Honolulu

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Honolulu is Island Insurance Group at $118 per month and $693 for six months.

Cheapest Full Coverage Car Insurance Quotes in Honolulu, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$693	$118
USAA	$693	$117
Farmers	$811	$136
21st Century	$817	$136
Progressive	$876	$147
Island	$947	$158
State Farm	$987	$166
Tradewinds Insurance	$993	$165
Allstate	$1156	$195

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Average Car Insurance in Honolulu by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Honolulu, HI increasing?

Despite maintaining a clean driving record, your car insurance rates in Honolulu, Hawaii, may be increasing due to several external factors. Hawaii has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Honolulu's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Honolulu

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	State Farm	$624
30s	State Farm	$600
40s	State Farm	$600
50s	State Farm	$600
60s	State Farm	$600
70s	State Farm	$600

Cheapest Car Insurance Rates for Teen Drivers in Honolulu,HI

If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Honolulu at $39 per month. At $718 for a six-month premium, Island offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$229	$39
Island Insurance Group	$438	$74
USAA	$509	$86
Farmers	$529	$89
State Farm	$680	$114
21st Century	$817	$136
Progressive	$1229	$207
Allstate	$1320	$222
Island	$718	$120

Teen Car Insurance Rates in HI by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Honolulu.

As young drivers face the highest rates in Honolulu, State Farm offers the cheapest auto insurance rates at $624 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Car Insurance Rates with An Accident in Honolulu

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Honolulu, HI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Honolulu

The cheapest car insurance companies after an at-fault accident in Honolulu include Island and Tradewinds Insurance, offering $262 and $300, respectively. Allstate is an expensive provider with an average six-month premium of $1438.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island	$262	$44
Tradewinds Insurance	$300	$51
USAA	$523	$88
Island Insurance Group	$595	$100
State Farm	$745	$125
Farmers	$954	$161
21st Century	$1340	$223
Progressive	$1360	$229
Allstate	$1438	$242

Honolulu Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Honolulu HI. For example, the car insurance in Honolulu after a DUI increases to $1169 for a six month policy. While the rate increases by $91 for a six-month policy in the case of a speeding ticket.

Honolulu auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$876	$146
One Med/PIP claim	$876	$149
Not-at-fault accident	$889	$149
One comp claim	$889	$151
Two comp claims	$889	$149
Two Med/PIP claims	$889	$151
Failure to wear a seat belt	$922	$154
Failure to show documents	$927	$157
Child safety restraint	$947	$158
Driving with expired registration	$947	$161
Driving without lights	$947	$158
Cell phone violation	$967	$164
Driving too slowly	$967	$162
Failure to stop at a red light	$967	$164
Failure to yield	$967	$162
Following too closely	$967	$164
Illegal turn	$967	$162
Improper passing	$967	$164
Speeding 11 - 15 MPH over limit	$967	$162
Speeding 6 - 10 MPH over limit	$967	$164
Speeding in school zone	$967	$162
Texting while driving	$967	$164
Wrong way/wrong lane	$967	$162
Speeding 16 - 20 MPH over limit	$980	$167
Passing school bus	$1026	$171
At-fault accident - less than $1000	$1033	$176
Open container	$1104	$184
Operating a vehicle without permission	$1104	$188
At-fault accident - $1000-$2000	$1144	$190
At-fault accident - greater than $2000	$1144	$195
In 65 MPH zone	$1320	$220
Speeding 21 - 25 MPH over limit	$1333	$227
Reckless driving	$1960	$327
Racing	$2013	$342
Driving with a suspended license	$2032	$339
DUI	$2045	$348
Refusal to submit to a chemical test	$2045	$341
Leaving scene of an accident/hit and run	$2091	$355

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Honolulu after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Honolulu.

The cheapest car insurance premiums in Honolulu are offered by Farmers at $778 for a six-month policy. However, it can be as expensive as $6136 with companies like Island.

Honolulu car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$778	$131
Progressive	$1013	$171
USAA	$1026	$173
State Farm	$1202	$202
21st Century	$1425	$242
Allstate	$2705	$455
Island Insurance Group	$6560	$1115
Island	$6136	$1043

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Honolulu are offered by Island Insurance Group at $196. However, it can be as expensive as $778 with companies like Island for a similar six-month premium.

Cheapest Car Insurance in Honolulu after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$196	$33
Farmers	$667	$112
State Farm	$693	$117
USAA	$771	$129
Progressive	$1392	$237
Allstate	$2118	$353
Island	$778	$130

Car Insurance Price Trends in Honolulu, Hawaii

Car insurance rates in Honolulu have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Honolulu rose by $142 in January compared to $130 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the Honolulu dipped to $44 in January, compared to $45 in December. This represents an decrease of $1 when comparing January and December.

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Average Car Insurance Cost in Honolulu by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Honolulu. At $938 for a six-month policy, insuring your car at 96813 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
96813	$938	$157
96825	$947	$158
96814	$920	$154
96815	$938	$157
96826	$947	$158
96821	$920	$154
96822	$982	$164
96816	$991	$166
96817	$1000	$167
96818	$1009	$169
96819	$991	$166

Frequently Asked Questions

How much is car insurance in Honolulu?

The car insurance in Honolulu is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Honolulu?

The cheapest car insurance in Honolulu is $118 per month for full coverage.

How much is car insurance in Honolulu for teenagers?

Car insurance for teenagers costs $229 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Honolulu?

The average cost of car insurance is $805 for a six-month policy. It will cost around $149 per month to insure your car in Honolulu.

Is car insurance expensive in Honolulu?

Car insurance can be expensive in Honolulu if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Honolulu can be affordable.

What is the best car insurance in Honolulu, HI?

The best car insurance company in Honolulu HI is Island Insurance Group, offering $693 for a six-month policy.