Honolulu, HI Car Insurance

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
$1,049	$1,045	$1,548

Skip to:

• Insurance company
• Age group
• Gender and marital status
• Driving record
• Credit score

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
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

Age	Average 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/Gender	Average 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/Incident	Average 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 Level	Average 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