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 AverageNational Average
$1,049$1,045$1,548

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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 CompanyAverage Yearly Rate
GEICO$772
USAA$1,018
Allstate$1,139
State Farm$1,202
Liberty Mutual$1,392

Check out our guide to learn how to find the best cheap car insurance.



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
AgeAverage Annual Rate
Teenagers$1,086
20s$1,049
30s$1,049
40s$1,049
50s$1,049
60s$1,049
70s$1,049

Learn more about the impact of age on car insurance premiums.



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/GenderAverage Yearly Rate
Female$1,049
Male$1,049
Single$1,049
Married$1,049
Divorced$1,049
Widowed$1,049

Learn more about how gender and marital status have on car insurance rates.



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/IncidentAverage Yearly Rate
DWI/DUI$3,218
Reckless Driving$3,195
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

Learn more about the impact of driving violations on car insurance rates.



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 LevelAverage Rate (annual)
Very Poor$1,049
Fair$1,049
Good$1,049
Very Good$1,049
Exceptional$1,049

Learn more about the relationship between poor credit and car insurance.



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.

170

Rainy Days a Year

41"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Honolulu

2
Major Highways
Kamehameha Highway Pali Highway Farrington Highway
2
Public Transit
Honolulu Bus

Car Insurance Companies in Honolulu

Find Local Honolulu Agents

Risk Solution Partners, LLC

800 Bethel St. Suite 201, Honolulu, HI 96813

Hawaii Insurance Consultants

500 Ala Moana Blvd Six Waterfront Plaza, 3rd Floor, Honolulu, HI 96813

Insurance Factors

745 Fort Street Mall Ste 1000, Honolulu, HI 96813

TransPacific Insurance Group, LLC dba TransPac Insurance Services

3375 Koapaka St F-243, Honolulu, HI 96819

Ocean Marine Insurance Agency

735 Bishop St #327, Honolulu, HI 96813

Loyalty Insurance Agency, Ltd.

45 No. King St. Ste. 601, Honolulu, HI 96817

Royal State Insurance - Commercial Dept.

819 S Beretania St, Honolulu, HI 96813

Financial Benefits Insurance, Inc.

1513 Young St. Suite 201, Honolulu, HI 96826

Royal State Insurance

1163 S Beretania St, Honolulu, HI 96814

Insurance Associates, Inc.

800 Bethel St #200, Honolulu, HI 96813

King & Neel Inc

1164 Bishop St #1710, Honolulu, HI 96813

Business Insurance Services, Inc.

615 Piikoi St #1901, Honolulu, HI 96814

Cavanah Associates, Inc

1100 Alakea St, Ste 2600, Honolulu, HI 96813

Hawaii USA Federal Credit Union

1226 College Walk, Honolulu, HI 96817

Fujii Insurance Agency

1188 Bishop St #1202, Honolulu, HI 96813

Advantage Insurance Services

1580 Makaloa St Ste 1220, Honolulu, HI 96814

Atlas Insurance Agency, Inc.

1132 Bishop St, Ste 1600, Honolulu, HI 96813

Occidental Underwriters of HI, Ltd.

1163 S. Beretania St., Honolulu, HI 96814

Hawaiian General Insurance Agency

500 Ala Moana Blvd., Honolulu, HI 96813

Monarch Insurance Services

677 Ala Moana Blve Suite 500, Honolulu, HI 96813

Insurance Advantage, LLC

1314 S. King St. Ste 661, Honolulu, HI 96814

Jerry Hay, Inc.

650 Iwilei Rd. #206, Honolulu, HI 96817

Mutual Underwriters

680 Iwilei Rd #760, Honolulu, HI 96817

2

$1,231

The average Honolulan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

197

That's equal to 197 cups of coffee or $492 in savings

See How Much You Can Save in Honolulu

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Recent Questions:

Honolulu Car Insurance

Do I have to prove a driver was uninsured?

Unfortunately, there isn't much you can do about not wanting to get another driver who is uninsured in trouble. At the end of the day, your insurance might require you show proof of an uninsured motorist in which case it is in your best interest to give as much information as possible to your company.

Should I file an insurance claim?

Here are a few things to consider: You have up to 2 years in Hawaii to file a property damage claim with your insurance provider. It's always best to file a claim as quickly as possible so your insurance company can best assess the damage on your vehicle, however you technically can file a claim up to 2 years from the date of the damage. Since the damage on your car came from 2 different incidents you will be required to file 2 claims and pay 2 different deductibles.