Car Insurance in Honolulu
It is common knowledge that Hawaii has economical premiums, as its mean rate is $348 lower than the national average. While premiums in the city are also relatively low, it is still vital to cut costs while insuring a vehicle in Honolulu. Keep some money in your pocket by following the tips below about how to save on car insurance in Honolulu.
- City Average: $1,078
- State Average: $1,079
- National Average: $1,427
Honolulu Car Insurance by Age
Everyone loves to save money, and luckily for drivers in their 70s, they do just that! They have the smallest car insurance premiums among any age group, with rates of $1,078/year. People in their 30s ($1,078) and 30s ($1,078) also have relatively low premiums. Teenage drivers have the highest rates of any age group. They pay around $1,146 per year on car insurance premiums. Honolulu drivers see the largest decline in premiums when they reach their 20s, as they save an average of 6% from moving out of the teenage age range. In Honolulu, turning 40 means an increase in insurance rates. Up until then, transitioning between age groups means decreasing prices.
- Teenagers: $1,146
- 20s: $1,079
- 30s: $1,078
- 40s: $1,078
- 50s: $1,078
- 60s: $1,078
- 70s: $1,078
Honolulu Car Insurance by Accident or Violation History
Do you have an accident or violation on your driving record? That can have an impact on your premiums. A DUI will increase your car insurance premiums more than other driving violations. In Honolulu, drivers with a DUI need to spend nearly 5x the average for the city to insure their vehicle. Reckless driving will push your rates up as well, with average rates of $3,684! Even among safe drivers, accidents happen, so be prepared and learn what can happen to your rates after one. $403 is what you can expect to add on to your annual insurance premium in Honolulu if you have an at-fault accident on your driving record.
- DUI: $5,284
- Reckless Driving: $3,684
- At-fault Accident (damages less than $1000): $1,481
- At-fault Accident (damages greater than $2000): $1,481
- Speeding Ticket (16-20 mph over speed limit): $1,184
* Credit score is considered discriminatory in Hawaii and is therefore not used as a rating factor when determining how much you'll pay for auto insurance.
* Honolulu insurance rates aren't influenced by either marital status or gender.
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 & 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
Find Local Honolulu Agents
Ocean Marine Insurance Agency
735 Bishop St #327 Honolulu, HI 96813
Hawaii Insurance Consultants
500 Ala Moana Blvd Honolulu, HI 96813
745 Fort Street Mall Ste 1000 Honolulu, HI 96813
Fujii Insurance Agency
1188 Bishop St #1202 Honolulu, HI 96813
Hawaii USA Federal Credit Union
1226 College Walk Honolulu, HI 96817
Cavanah Associates, Inc
1100 Alakea St, Ste 2600 Honolulu, HI 96813
Advantage Insurance Services
1580 Makaloa St Ste 1220 Honolulu, HI 96814
Business Insurance Services, Inc.
615 Piikoi St #1901 Honolulu, HI 96814
680 Iwilei Rd #760 Honolulu, HI 96817
Royal State Insurance
1163 S Beretania St Honolulu, HI 96814
Jerry Hay, Inc.
650 Iwilei Rd. #206 Honolulu, HI 96817
King & Neel Inc
1164 Bishop St #1710 Honolulu, HI 96813
Financial Benefits Insurance, Inc.
1513 Young St. Suite 201 Honolulu, HI 96826
Royal State Insurance - Commercial Dept.
819 S Beretania St Honolulu, HI 96813
Occidental Underwriters of HI, Ltd.
1163 S. Beretania St. Honolulu, HI 96814
Insurance Advantage, LLC
1314 S. King St. Ste 661 Honolulu, HI 96814
Monarch Insurance Services
677 Ala Moana Blve Suite 500 Honolulu, HI 96813
Hawaiian General Insurance Agency
500 Ala Moana Blvd. Honolulu, HI 96813
Insurance Associates, Inc.
800 Bethel St #200 Honolulu, HI 96813
TransPacific Insurance Group, LLC dba TransPac Insurance Services
3375 Koapaka St F-243 Honolulu, HI 96819
Atlas Insurance Agency, Inc.
1132 Bishop St, Ste 1600 Honolulu, HI 96813
Loyalty Insurance Agency, Ltd.
45 No. King St. Ste. 601 Honolulu, HI 96817
Risk Solution Partners, LLC
800 Bethel St. Suite 201 Honolulu, HI 96813
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Honolulu Car Insurance
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