Cheapest Car Insurance in Honolulu, Hawaii (2023 Rates)

Our team ranked Geico, USAA, State Farm, Island Insurance and Farmers as the top five car insurance choices in Honolulu. These companies have lower-than-average rates in the city and hold reputations for strong customer service and superb claims processes.

Keep reading: Cheap car insurance

Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with a clean driving history.

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.

Cheapest Full-Coverage Car Insurance in Honolulu

A full-coverage car insurance policy can be pricey in Honolulu. Full auto insurance coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Geico is the cheapest full-coverage option for Honolulu drivers with average rates of $88 per month or $1,054 per year.

Since many factors cause car insurance rates to increase or decrease, the company that’s cheapest for one person may not be for another. In this section, we’ll look at how much car insurance costs in Honolulu based on a person’s age and driving history.

A few simple ways to save on car insurance in Honolulu are by raising your deductible and by comparing free quotes from auto insurers across Oahu. You could also find lower prices by bundling auto coverage with homeowners insurance, renters insurance and life insurance.

Honolulu Car Insurance Cost by Age

Rates for car insurance coverage are higher for teenagers because they have a greater chance of getting into car accidents or breaking traffic laws. Our data shows that 16-year-olds pay about $42 per month or $505 per year for car insurance in Honolulu.

As drivers reach their 20s, the cost of car insurance decreases considerably. Below are some examples of the average cost of minimum-coverage car insurance in Honolulu for different age groups.

Cheapest Car Insurance in Honolulu: Teen Drivers

Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that USAA is the cheapest car insurance company for teen drivers, with minimum-coverage rates as low as $27 per month or $323 per year. Geico, State Farm and Island Insurance also offer affordable insurance premiums to Honolulu teens.

Honolulu Car Insurance Cost by Driving Record

People who’ve received speeding tickets, caused car accidents or gotten DUIs can expect their car insurance rates to soar. On average, speeding can increase your rates by 22%, an at-fault accident by 43% and a DUI by 263%.

While companies have varying average price increases, we found that State Farm is the top choice in Honolulu after a driving record violation. The table below shows average rates by company for drivers who have either a speeding ticket, car accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in Honolulu: Speeding Ticket

Let’s take a closer look at Hawaii auto insurance rates for high-risk drivers. According to our data, Geico offers the cheapest car insurance rates to drivers with a speeding ticket on their records at $24 per month or $283 per year. USAA follows with an average monthly rate of $28 while State Farm, Island Insurance and Farmers round out the top five options for cheap speeding ticket car insurance in Honolulu.

Cheapest Car Insurance in Honolulu: At-Fault Accident

If you recently had a car accident where you were found to be at fault, insurance rates could go up more than after a speeding ticket. USAA and State Farm are the cheapest options here with average rates of about $34 per month and $35 per month, respectively.

Cheapest Car Insurance in Honolulu: DUI

Getting a DUI is a major issue that could raise how much you pay for car insurance in Honolulu by hundreds of dollars per year. State Farm is far cheaper than other companies, offering average rates of $32 per month or $386 per year for drivers with a DUI. USAA, Farmers and Progressive are also good options with rates under $112 per month on average.

Rates in Honolulu are 8% pricier than the average for Hawaii car insurance but 26% cheaper than the U.S. average. Geico offers both the cheapest minimum- and full-coverage rates in the city with prices of $24 per month and $88 per month, respectively.

Compare free auto insurance quotes to find the company that meets Hawaii’s coverage limits at the best rate. You can compare insurance products and get quotes online or from insurance agents spread across Oahu.

Here are some frequently asked questions about the cheapest auto insurance in Honolulu:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.