How Much Does Car Insurance Cost in Honolulu?
Hawaii is known for its economical premiums, as its mean rate falls below the national average by 24%. While premiums in the city are relatively low as well, it is still critical to save while insuring a vehicle in Honolulu. Review our tips to save on Honolulu car insurance and save money.
AUTO INSURANCE RATES: HONOLULU VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Honolulu Car Insurance Costs by Driver Age
The greatest drop in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Honolulu start saving an average of 6%. While insurance rates for drivers will continue to drop through their 30s, they should expect a change when they turn 40. Teenage drivers have the highest rates of any age group. They pay around $1,146 on car insurance premiums. When looking across all age groups, drivers in their 70s tend to have the smallest insurance premiums. Their rates usually average $1,078 per year. Those in their 30s ($1,078) and 30s ($1,078) have premiums that aren't much higher.
HONOLULU AUTO INSURANCE COSTS BY DRIVER AGE
Honolulu Car Insurance After Accidents or Violations
Do you have a history of accidents or violations? That can influence your car insurance rates. Normally, a DUI in Honolulu will cost you 390% more in car insurance premiums versus the city average ($1,078). Reckless driving will also drive your rates up, with average rates of $3,684, which are 242% higher than the city average! Nobody plans on getting into an accident, but stuff happens, so be aware of how your rates can change after one. Expect your annual car insurance premiums to rise by 37% if you are found at-fault in an accident in Honolulu.
AVERAGE HONOLULU INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|At-fault Accident (damages less than $1,000)||$1,481|
|At-fault Accident (damages greater than $2,000)||$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 companies determine how much you'll pay for auto insurance each year.
* In Honolulu, neither marital status nor gender influence pricing of auto 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 & 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
Insurance Advantage, LLC
1314 S. King St. Ste 661 Honolulu, HI 96814
Hawaii USA Federal Credit Union
1226 College Walk Honolulu, HI 96817
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
Advantage Insurance Services
1580 Makaloa St Ste 1220 Honolulu, HI 96814
Occidental Underwriters of HI, Ltd.
1163 S. Beretania St. Honolulu, HI 96814
Jerry Hay, Inc.
650 Iwilei Rd. #206 Honolulu, HI 96817
Ocean Marine Insurance Agency
735 Bishop St #327 Honolulu, HI 96813
Business Insurance Services, Inc.
615 Piikoi St #1901 Honolulu, HI 96814
Fujii Insurance Agency
1188 Bishop St #1202 Honolulu, HI 96813
Cavanah Associates, Inc
1100 Alakea St, Ste 2600 Honolulu, HI 96813
Loyalty Insurance Agency, Ltd.
45 No. King St. Ste. 601 Honolulu, HI 96817
Hawaii Insurance Consultants
500 Ala Moana Blvd Honolulu, HI 96813
Insurance Associates, Inc.
800 Bethel St #200 Honolulu, HI 96813
745 Fort Street Mall Ste 1000 Honolulu, HI 96813
Financial Benefits Insurance, Inc.
1513 Young St. Suite 201 Honolulu, HI 96826
Hawaiian General Insurance Agency
500 Ala Moana Blvd. Honolulu, HI 96813
King & Neel Inc
1164 Bishop St #1710 Honolulu, HI 96813
Risk Solution Partners, LLC
800 Bethel St. Suite 201 Honolulu, HI 96813
Royal State Insurance - Commercial Dept.
819 S Beretania St Honolulu, HI 96813
Royal State Insurance
1163 S Beretania St Honolulu, HI 96814
Monarch Insurance Services
677 Ala Moana Blve Suite 500 Honolulu, HI 96813
680 Iwilei Rd #760 Honolulu, HI 96817
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