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Key Takeaways

  • The car insurance rates in Honolulu, the capital of Hawaii, are lower than the state and national average.
  • USAA and Allstate offer the cheapest rates in the city.
  • Marital status and gender don't have a major impact on the insurance rates in Honolulu.

Introduction

Honolulu, literally translated as "calm port," may not be very calm after all. You can expect buzz in the capital as well as the largest city in the state of Hawaii. The port town is a major tourist destination and hence packed.

Does this affect the car insurance rates of the city? How much will it cost to insure your car in Honolulu? Since car insurance is mandatory in every state, Way.com guides you swiftly through an otherwise tedious process.

How much does car insurance cost in Honolulu, Hawaii?

The car insurance rates in the city of Honolulu are lower than that of the national and state-wise averages of $1557 and $1500 respectively. This varies with the different driving and non-driving factors that largely influence car insurance rates in the city.

Honolulu Average Hawaii Average National Average
$1051 $1500 $1557

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Auto Insurance Requirements in Honolulu, Hawaii

Proof of insurance is mandatory to drive a car in the city. It is required for renewing the car registration or when the car is involved in an accident. A minimum amount of liability insurance is required for every car owner. The collision and comprehensive coverage which is highly recommended to avoid out-of-pocket expenses. In Hawaii, every car owner is also required to have uninsured and underinsured motorist coverage of $50,000 per person.

  • $50,000 per person for bodily injury
  • $10,000 per accident for personal injury protection
  • $25,000 of property damage liability coverage

Honolulu Auto Insurance Premiums by Company

Obtaining quotes from different insurance companies in the city is an effective way of understanding different trends and discounts available with the providers in Honolulu.

The cheapest insurance rates are found with many local and national providers. Way.com helps you navigate through this task much easier, helping you finalize the best coverage possible. In Honolulu, USAA and State Farm offer the cheapest rates among the providers.

Insurance Company Average Yearly Rate
State Farm $1208
Liberty Mutual $1398
USAA $1024
Allstate $1145

Honolulu Auto Insurance Premiums by Age Group

The state of Hawaii is no different when it comes to the influence of age on insurance premiums. The older you get, the lower the insurance premium rates become. In Honolulu, too, we see this trend, with teenage drivers paying the highest rates. However, the rates are quite similar when it comes to drivers above the age of 20. But the rates may vary with the neighborhood and the driving history as well.

Age Bracket Average Yearly Rate
Teenagers $1092
20s $1055
30s $1055
40s $1055
50s $1055
60s $1055

Honolulu Auto Insurance Premiums by Marital Status

Honolulu doesn't discriminate based on your marital status. The drivers pay similar insurance rates irrespective of their marital status.

Marital Status Average Yearly Rate
Married $1055
Single $1055
Divorced $1055
Widowed $1055

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Honolulu Auto Insurance Premiums by Gender

The city tends to break the generally followed gender norms when it comes to insurance rates. Both male and female drivers pay $1055 annually.

Gender Average Yearly Rate
Female $1055
Male $1055

Honolulu Auto Insurance Premiums by Driving Record

If you are not a high-risk driver based on your age, you must avoid this category to avoid paying excessive rates. This is only possible by avoiding speeding tickets, DUI charges, and other offenses that require a clean driving record.

In Honolulu, those with a history of DUI charges pay the highest rates, followed by those with reckless driving charges.

Driving Violation/Incident Average Yearly Rate
At-fault Accidents Damages <$1000 Damages >$2000
$1191 $1374
DUI/DWI $3224
Reckless Driving $3201
Speeding Tickets $1240

Honolulu Auto Insurance Premiums by Credit Rating

The lowered insurance premium rates are one of the perks of maintaining good credit scores. There are a lot of different auto insurance companies out there, and many of them use a credit-based auto insurance score to decide whether or not they will accept you as a policyholder and what your premium will be.

However, like the other factors mentioned above, Honolulu doesn't rely on credit scores to calculate the insurance rates. Drivers pay an average of $1055 irrespective of their credit score.

Credit Tier Average Rate
Exceptional $1055
Very Good $1055
Good $1055
Fair $1055
Very Poor $1055

Honolulu Auto Insurance Premiums by Zip Code

Auto insurance premium rates are highly dependent on the place you come from within the city. The varying rates of crime, thefts, and uninsured motorists are a major reason behind this.

In Honolulu, the most expensive ZIP codes include 96859, 96850, 96844, 96826, and 96818, and the cheapest ZIP codes include 96813, 96814, 96815, 96816, and 96817. Between the ZIP codes with cheap rates, it increases by $4.

What would increase your car insurance rates in Honolulu, Hawaii?

The auto theft rates and the frequency of accident rates should be factored in when we discuss the factors that increase the insurance rates in the city. Honolulu, being a major tourist attraction, traffic flow is often considered a nightmare.

Honolulu Stats

Despite the fact that Hawaii has a reputation for being one of the safest states in the United States due to its relatively low rate of violent crime, the state has had the highest overall crime rates. This was primarily due to the state's high rate of property crime.

Auto Theft Statistics

The auto theft rates in the city of Honolulu are found to be higher than the national average. The 2019 data by City-Data showed the number of data to be 3837, which was calculated as 393.6 per 100,000. This was higher than the state average for the same year.

Accident Statistics

The accident rates in the state are higher, and Honolulu is no exception. Driving under the influence and speeding are the major reasons for accidents in the place, sometimes peaking at 150 per year.

How to save on auto insurance in Honolulu, Hawaii

One can always look out for methods to reduce car insurance rates. While shopping around for insurance quotes with different providers can give a head start on getting the affordable option for you, there are several hacks you can follow to reduce the insurance premium rates.

  • Compare and Purchase

Since most insurance providers now provide their quotes online, thorough research can help in choosing the best one that suits your needs.

  • Increase your Deductible

Higher deductibles reduce vehicle insurance premiums. This will, however, reduce your accident claim. Compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.

  • Look for Discounts

Always look for discounts when you are purchasing insurance in Honolulu. Most providers give multipolicy discounts, telematics discounts, good driver discounts, and bundling discounts. This can make a huge difference in the premium rates.

Tips for Driving in Honolulu

Being a congested city, one must keep a few things in mind while occupying their position behind the wheel.

Be Weather Ready

The tropical climate and frequent rainfall have a direct influence on the driving conditions. One must always check the weather forecast before heading out. The island also witnesses frequent episodes of hurricanes as well. Tropical storms and accidents related to extreme weather conditions are also not rare.

Average Annual Rainfall Average Annual Snowfall Rainy Days Sunny Days
41 in 0 in 170 days 217 days

No-Fault State

Hawaii is a no-fault state that requires all insurance policies to include Personal Injury Protection. This coverage will cover medical expenses, death benefits, and lost income for drivers and passengers, regardless of whose fault the accident was. Hence in Honolulu, too, by law, a driver's PIP coverage must include at least $10,000 per person per accident.

Parking

As parking is limited on the island, the majority of street parking places have written requirements, and disregarding these signs will almost invariably result in a penalty or tow.

Avoid Rush Hours

The many interstate highways and freeways contribute to the traffic congestion in the city. However, it is best to avoid peak hour traffic which is usually between 6 am and 8:30 am and 3 pm and 6 pm.

Best Car Insurance Companies in Honolulu

Insurance Company
State Farm
Farmers
USAA
State Farm
Allstate

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

Frequently Asked Questions

How much is full coverage in Honolulu, Hawaii?

The average annual rate for full coverage in Honolulu is $1055.

How to find cheap car insurance in Honolulu, Hawaii?

Comparing quotes from many providers is the best approach to determine which company offers the cheapest insurance prices in a city. Way.com gives you a head start with our research of the finest auto insurance providers based on financial strength, customer service, protection, and pricing, all of which may impact your insurance experience.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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