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.

170

Rainy Days a Year

41"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Honolulu

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

Car Insurance Companies in Honolulu

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

Insurance Factors

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

Mutual Underwriters

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

See All

Click below to get free quotes in seconds!

Ready to get car insurance, Honolulu?

Start Saving Now!

$1,231

The average Honolulan's annual cost of coverage

40%

Our customer's average savings after comparing insurance

197

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

See How Much You Can Save in Honolulu

Click below to get free quotes in seconds!

Start Saving Now!
Additional Resources:

Honolulu Car Insurance

Ask the Experts: Credit Score vs. Credit Report (and More)
Ask the Experts: Credit Score vs. Credit Report (and More)
Jul 31, 2017

Credit is an important measurement of our overall financial health. It plays huge part in how much we pay in...

What Questions Do Insurance Agents Get Asked Most? (An Ask-iversary)
What Questions Do Insurance Agents Get Asked Most? (An Ask-iversary)
Jun 23, 2017

Howdy, folks! This week marks the one-year anniversary of The Zebra’s resource for all of your insurance questions: Ask an...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

Green Cars vs. Gas Guzzlers: Which is More Affordable?
Green Cars vs. Gas Guzzlers: Which is More Affordable?
Dec 28, 2016

Alternative fuel-powered vehicles are coming into their own. For one thing, vehicles billed as “environmentally friendly” are no longer the...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Help, My Car is a Lemon!
Help, My Car is a Lemon!
Sep 20, 2016

You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...

Who’s to Blame? Defining “Fault” in an Insurance Scenario
Who’s to Blame? Defining “Fault” in an Insurance Scenario
Sep 07, 2016

To the uninitiated, fault sounds easy enough: it ought to be assigned to the perpetrator of a crash, right? And...

Are Vehicle Inspections Really About Safety?
Are Vehicle Inspections Really About Safety?
Jul 18, 2016

The world of automotive regulations is quite complicated. For instance, each state makes and maintains its own regulations for auto...

You Might Need a Helmet to ‘Spring Forward’
You Might Need a Helmet to ‘Spring Forward’
Mar 12, 2016

In March, Daylight Saving Time (DST) begins, and we’ll all “spring forward,” like it or not (that is, all of...

What is PIP Insurance and Do You Really Need It?
What is PIP Insurance and Do You Really Need It?
Nov 16, 2015

Commonly called PIP for short, personal injury protection insurance protects you against—you guessed it—personal injury. If you get in an...

Are 1 in 7 Drivers Forced to Drive Illegally?
Are 1 in 7 Drivers Forced to Drive Illegally?
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

How to Weatherproof Your Car in Any US Climate
How to Weatherproof Your Car in Any US Climate
Feb 26, 2015

If you’ve always lived in one area, you likely have an implicit understanding of how to weatherproof your car—in the...

11 Genius Gas-Saving Tips
11 Genius Gas-Saving Tips
Jun 03, 2014

First, the bad news: Already high gas prices aren’t dropping anytime soon. According to AAA’s predictions, summer gas prices should...