Buy Cheap Honolulu, HI Auto Insurance (2022)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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A Concise Overview

  • 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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