Our data shows that the average cost of minimum-coverage car insurance in Honolulu is $38 per month or $460 per year. This is about 26% less than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $117 per month or $1,403 per year on average, which is about 30% less expensive than the national average of $167 per month or $2,008 per year.
Cheapest Liability Car Insurance in Honolulu
Geico offers the cheapest liability insurance with average rates of $24 per month or $283 per year. USAA is the second-cheapest option in Honolulu with average rates of $27 per month or $323 per year.
Liability coverage is the minimum coverage required by the state of Hawaii. According to the Hawaii Department of Motor Vehicles, all drivers must either meet or exceed the following minimum requirements:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $10,000 personal injury protection (PIP)
While underinsured and uninsured motorist coverage aren’t required under state insurance requirements, they’re popular among Hawaii drivers. Personal injury protection, on the other hand, is required due to Hawaii’s status as a no-fault state.