The average Honolulan's annual cost of coverage


Our customer's average savings after comparing insurance


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

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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 Cheap
96859 96850 96844 96826 96818
96813 96814 96815 96816 96817

Be Prepared For

Driving in Honolulu

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

Honolulu Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Honolulu, you can expect 170 rainy days with an annual rainfall of 41 inches. Honolulu is also known to experience tropical storms. You can check on the condition of the roads anytime here.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Car Insurance Companies in Honolulu

Allstate State Farm

Find Local Honolulu Agents

Insurance Factors

745 Fort Street Mall Ste 1000 Honolulu, HI 96813

Monarch Insurance Services

677 Ala Moana Blve Suite 500 Honolulu, HI 96813

Loyalty Insurance Agency, Ltd.

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

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