Best Cheap Auto Insurance in Honolulu, HI (2021)

The average Honolulu, HI auto insurance rates are $209 per month. The minimum auto insurance in Honolulu is at least 20/40/10 in coverage to comply with Hawaii auto insurance laws. To find the best cheap auto insurance in Honolulu, Hawaii, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Honolulu, Hawaii is 20/40/10
  • The most expensive auto insurance company in Honolulu for teen drivers is Farmers
  • Average auto insurance rates in Honolulu, HI for senior drivers are $2,465 per year

Honolulu, Hawaii auto insurance requirements are 20/40/10 according to Hawaii auto insurance laws. Finding cheap auto insurance in Honolulu can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Honolulu, Hawaii, including driving record, credit, commute time, and more.

Compare auto insurance in Honolulu to other Hawaii cities, including Hoolehua auto insurance rates, Kahuku auto insurance rates, and Ookala auto insurance rates to see how Honolulu, Hawaii auto insurance rates stack up.

Before you buy Honolulu, Hawaii auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Honolulu, Hawaii auto insurance quotes.

Minimum Auto Insurance in Honolulu, Hawaii

Honolulu, Hawaii auto insurance laws require that you have at least the Hawaii minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Honolulu, Hawaii.

Minimum Required Auto Insurance Coverage in Honolulu, Hawaii

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Honolulu, Hawaii Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Honolulu, Hawaii are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Honolulu, Hawaii

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,130 $2,130 $2,130 $2,130 $2,130 $2,130 $2,130 $2,130
Farmers $4,562 $4,562 $4,562 $4,562 $4,970 $4,970 $4,562 $4,562
GEICO $3,219 $3,219 $3,219 $3,219 $3,219 $3,219 $3,219 $3,219
Liberty Mutual $3,069 $3,069 $3,069 $3,069 $3,107 $3,107 $3,069 $3,069
Progressive $1,966 $1,966 $1,966 $1,966 $2,757 $2,757 $1,966 $1,966
State Farm $1,050 $1,050 $1,050 $1,050 $1,050 $1,050 $1,050 $1,050
USAA $1,258 $1,258 $1,258 $1,258 $1,315 $1,315 $1,258 $1,258

Cheap Honolulu, Hawaii Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Honolulu, Hawaii is a challenge. Take a look at the annual teen auto insurance rates in Honolulu, Hawaii.

Annual Auto Insurance Rates for Teen Drivers in Honolulu, Hawaii

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $2,130 $2,130
Farmers $4,970 $4,970
GEICO $3,219 $3,219
Liberty Mutual $3,107 $3,107
Progressive $2,757 $2,757
State Farm $1,050 $1,050
USAA $1,315 $1,315

Cheap Honolulu, Hawaii Auto Insurance for Seniors

What are senior auto insurance rates in Honolulu, Hawaii? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Honolulu, Hawaii

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,130 $2,130
Farmers $4,562 $4,562
GEICO $3,219 $3,219
Liberty Mutual $3,069 $3,069
Progressive $1,966 $1,966
State Farm $1,050 $1,050
USAA $1,258 $1,258

Cheap Honolulu, Hawaii Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Honolulu, Hawaii compared to the annual auto insurance rates with a clean record in Honolulu, Hawaii.

Annual Honolulu, Hawaii Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $1,251 $1,841 $3,712 $1,717
Farmers $2,245 $3,346 $10,820 $2,245
GEICO $1,359 $1,761 $8,397 $1,359
Liberty Mutual $1,651 $2,060 $6,544 $2,060
Progressive $1,644 $2,309 $2,581 $2,123
State Farm $960 $1,140 $1,050 $1,050
USAA $962 $1,179 $1,942 $1,007

Cheap Honolulu, Hawaii Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Honolulu, Hawaii is not easy. Compare the annual rates for DUI auto insurance in Honolulu, Hawaii to find the best deal.

Annual Auto Insurance Rates After a DUI in Honolulu, Hawaii

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,712
Farmers $10,820
GEICO $8,397
Liberty Mutual $6,544
Progressive $2,581
State Farm $1,050
USAA $1,942

Cheap Honolulu, Hawaii Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Honolulu, Hawaii can vary. Compare the annual cost of auto insurance by ZIP code in Honolulu, Hawaii to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Honolulu, Hawaii

ZIP Code Average Annual Rates
96813 $2,511
96814 $2,511
96815 $2,511
96816 $2,511
96817 $2,511
96818 $2,511
96819 $2,511
96821 $2,511
96822 $2,511
96825 $2,511
96826 $2,511
96844 $2,511
96850 $2,511
96859 $2,511

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Cheap Honolulu, Hawaii Auto Insurance Rates By Commute

Commute length and annual mileage affect Honolulu, Hawaii auto insurance. Find the cheapest annual Honolulu, Hawaii auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Honolulu, Hawaii

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $1,999 $2,262
Farmers $4,664 $4,664
GEICO $3,219 $3,219
Liberty Mutual $3,078 $3,078
Progressive $2,164 $2,164
State Farm $1,050 $1,050
USAA $1,272 $1,272

Cheap Honolulu, Hawaii Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Honolulu, Hawaii? Check out the comparison of annual Honolulu, Hawaii auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Honolulu, Hawaii

Insurance Company Low Medium High
Allstate $1,976 $2,136 $2,279
Farmers $4,463 $4,702 $4,828
GEICO $3,052 $3,245 $3,360
Liberty Mutual $3,067 $2,900 $3,268
Progressive $1,959 $2,163 $2,371
State Farm $977 $1,053 $1,120
USAA $1,203 $1,272 $1,342

Best By Category: Cheapest Auto Insurance in Honolulu, Hawaii

Compare the cheapest auto insurance companies in Honolulu, Hawaii in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Honolulu, Hawaii

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation USAA

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The Cheapest Honolulu, Hawaii Auto Insurance Companies

What auto insurance companies in Honolulu, Hawaii are the cheapest? Compare the top Honolulu, Hawaii auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Honolulu, Hawaii

Insurance Company Average Annual Rates
Allstate $2,130
Farmers $4,664
GEICO $3,219
Liberty Mutual $3,078
Progressive $2,164
State Farm $1,050
USAA $1,272

What affects auto insurance rates in Honolulu, Hawaii?

There are a lot of reasons why auto insurance rates in Honolulu, Hawaii are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Honolulu, Hawaii. Many local factors may affect your Honolulu auto insurance rates.

Honolulu Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Honolulu, Hawaii auto theft statistics, there have been 4,191 auto thefts in the city.

Honolulu Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Honolulu, Hawaii commute length is 29.8 minutes according to City-Data.

Honolulu Traffic

How does Honolulu, Hawaii rank for traffic? According to Inrix Honolulu, Hawaii is the 643rd most congested worldwide.

Compare Honolulu, Hawaii Auto Insurance Quotes

Before you buy Honolulu, Hawaii auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Honolulu, Hawaii auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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