What's the average cost of car insurance in Honolulu?
The average cost of auto insurance in Honolulu is $1,049 per year. That's greater than than the statewide average in Hawaii ($1,045) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Honolulu.
HONOLULU CAR INSURANCE RATES
|Honolulu Average (annual)||Hawaii Average||National Average|
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Honolulu car insurance rates by company
The difference in auto insurance rates from company to company can be substantial. In Honolulu, GEICO provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in Honolulu. Don't forget to get car insurance quotes based on your driving profile.
HONOLULU AUTO INSURANCE PREMIUMS BY COMPANY
|Insurance Company||Average Yearly Rate|
Car insurance rates by age bracket in Honolulu
The best age for car insurance rates as a driver in Honolulu is your age_20s: drivers in this age group pay an average of $1,049per year. Rates for Honolulu drivers in their age_20s are also relatively affordable, at just $1,049 per year.
Young drivers aged 16 to 19 pay the most for car insurance in Honolulu. One of the easiest ways to lower your car insurance rates as a driver in Honolulu is to age out of your teenage years. In Honolulu, teenage drivers pay $1,086 — a full $37 more than the second-most expensive rate paid by an age group.
HONOLULU AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age||Average Annual Rate|
Honolulu auto insurance rates by gender and marital status
Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Honolulu pay $0 single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single.
Gender is another factor that can affect auto insurance rates.
INSURANCE RATES IN HONOLULU BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Honolulu auto insurance premiums by incident history
If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Honolulu, a reckless driving citation results in an average insurance rate increase of $2,146 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,169 increase and a speeding ticket triggers a $185 rate hike.
HONOLULU CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,185|
|At-fault Accident (damages greater than $2,000)||$1,368|
|Speeding Ticket (16-20 mph over speed limit)||$1,234|
Honolulu car insurance rates by credit score
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. Honolulu drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Honolulu, improving your credit to "Fair" corresponds with a $0 decrease in annual car insurance rates.
HONOLULU CAR INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Level||Average Rate (annual)|
What drives up car insurance rates in Honolulu?
Where you live in Honolulu affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Honolulu is no exception to the rule. From ZIP code 96813 to 96818, premiums rise by 0 percent—that’s $4.
Expensive Honolulu ZIP codes: 96859, 96850, 96844, 96826, 96818
Cheap Honolulu ZIP codes: 96813, 96814, 96815, 96816, 96817
Honolulu Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Honolulu, you can expect 170 rainy days with an annual rainfall of 41 inches. Honolulu is also known to experience tropical storms.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Honolulu Agents
Monarch Insurance Services
677 Ala Moana Blve Suite 500, Honolulu, HI 96813
TransPacific Insurance Group, LLC dba TransPac Insurance Services
3375 Koapaka St F-243, Honolulu, HI 96819
Royal State Insurance
1163 S Beretania St, Honolulu, HI 96814
Fujii Insurance Agency
1188 Bishop St #1202, Honolulu, HI 96813
Jerry Hay, Inc.
650 Iwilei Rd. #206, Honolulu, HI 96817
Loyalty Insurance Agency, Ltd.
45 No. King St. Ste. 601, Honolulu, HI 96817
Business Insurance Services, Inc.
615 Piikoi St #1901, Honolulu, HI 96814
Atlas Insurance Agency, Inc.
1132 Bishop St, Ste 1600, Honolulu, HI 96813
Financial Benefits Insurance, Inc.
1513 Young St. Suite 201, Honolulu, HI 96826
Occidental Underwriters of HI, Ltd.
1163 S. Beretania St., Honolulu, HI 96814
Hawaii Insurance Consultants
500 Ala Moana Blvd Six Waterfront Plaza, 3rd Floor, Honolulu, HI 96813
Royal State Insurance - Commercial Dept.
819 S Beretania St, Honolulu, HI 96813
King & Neel Inc
1164 Bishop St #1710, Honolulu, HI 96813
Cavanah Associates, Inc
1100 Alakea St, Ste 2600, Honolulu, HI 96813
Hawaiian General Insurance Agency
500 Ala Moana Blvd., Honolulu, HI 96813
Risk Solution Partners, LLC
800 Bethel St. Suite 201, Honolulu, HI 96813
680 Iwilei Rd #760, Honolulu, HI 96817
Ocean Marine Insurance Agency
735 Bishop St #327, Honolulu, HI 96813
Insurance Advantage, LLC
1314 S. King St. Ste 661, Honolulu, HI 96814
745 Fort Street Mall Ste 1000, Honolulu, HI 96813
Hawaii USA Federal Credit Union
1226 College Walk, Honolulu, HI 96817
Insurance Associates, Inc.
800 Bethel St #200, Honolulu, HI 96813
Advantage Insurance Services
1580 Makaloa St Ste 1220, Honolulu, HI 96814
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