Best Cheap Auto Insurance in Honolulu, Hawaii (2024)
Drivers in Honolulu pay $42 per month for liability coverage, on average.
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Updated September 15, 2024
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Table of contents
The capital city of O’ahu, Hawaii’s most-populated island, Honolulu has a population of nearly 1 million people. The average cost of auto insurance in Honolulu is $61 per month, which is 56% less than the national average rate of $139 per month. GEICO, State Farm, and USAA offer the cheapest average rates in Honolulu.
Hawaii drivers may see lower car insurance rates compared to the national average because the state prohibits auto insurers from using credit ratings when determining premium costs or issuing policies.[1]
Quick Facts
Because Hawaii is a no-fault state, all drivers involved in an auto accident must file a claim with their car insurance company.[2]
In addition to liability coverage, drivers in Hawaii must carry a minimum amount of personal injury protection (PIP) coverage to drive legally.
Full-coverage car insurance in Honolulu costs $80 per month, on average.
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Best car insurance companies in Honolulu
The best car insurance company for you depends on your unique insurance needs, driver profile, and financial circumstances. For example, if you have a family with multiple drivers, you may want to consider a company with sizable multi-vehicle and multi-policy discounts.
You can find the best insurance companies in Honolulu below.
Best insurer for cheap rates: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
4.0
Best choiceBased on 9186 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,081)
Richard
September 15, 2024
Verified Review
Run While You Can
I was a customer for over 20 to 25 years and never had a claim. However, I went through a rough patch in the last couple of years. I experienced a hit and run, my car was damaged in a 1,000-year flood event in FLL, and I had one accident that was my fault when I hit an object while backing up. Subsequently, they tripled my premium, stating that I had been 'randomly' chosen for a premium review. I found cheaper coverage at Progressive, about $500 a month cheaper.
Dolores
September 15, 2024
Verified Review
Great discounts
The prices have been the best.
Marge
September 14, 2024
Verified Review
High Prices for Teenagers
They offer great customer service and a great claims process. However, it's a bit high for a growing family.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO, the third-largest auto insurer in the U.S., offers reliable coverage at an affordable price. It also advertises at least 16 different discounts that can reduce your premium. The company has fairly standard auto coverage options, with add-ons like emergency road service, rental reimbursement, and mechanical breakdown insurance.
Pros
Wide array of discounts
User-friendly website and mobile app
24/7 customer service available
Cons
Gap and rideshare insurance not available
Can’t bundle auto policy with a life insurance policy
Mixed online reviews about company’s level of agent support
Best insurer for families: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
4.2
Best choiceBased on 7551 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,107)
Jeff
September 15, 2024
Verified Review
SF
It's good, but not great for what we pay.
Hephzibah
September 15, 2024
Verified Review
Disappointed
I haven't had a ticket in decades. I'm 68 years old. Why is there no discount for being accident-free and not having any tickets, especially for seniors?
Michael
September 14, 2024
Verified Review
Great Agents and Rates
The agents are great. They are very efficient and offer good rates.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Founded more than 100 years ago, State Farm has been a trusted auto insurer for families for many years. The company offers multi-car and multi-policy discounts that families can benefit from and provides savings opportunities for young drivers through programs like Steer Clear and Drive Safe & Save. Policyholders can easily customize coverage so it works for their insurance needs.
Pros
Ranks high in customer satisfaction
Rideshare insurance available
Multiple bundling discounts
Cons
Doesn’t offer gap insurance
Accident forgiveness not available
Some reports of delays in claim resolution
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $46/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
4.9
Best choiceBased on 1366 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (778)
Michael
September 15, 2024
Verified Review
I would recommend this service to a friend or another service member, but it didn't do much for us except charge a lot of money. I've been driving since I was 16 years old. My car broke down about a year ago and I thought there was no need to have insurance. That's what they're basing their rates on and it's quite expensive.
I would recommend this service to a friend or another service member, but it didn't do much for us except charge a lot of money. I've been driving since I was 16 years old. My car broke down about a year ago and I thought there was no need to have insurance. That's what they're basing their rates on and it's quite expensive.
Jason
September 14, 2024
Verified Review
Unsatisfactory Banking Experience
They unexpectedly closed my account when I reported unauthorized activity. They said I could keep my insurance with them, but couldn't continue banking. It seems unfair that they are happy to take my hard-earned money for insurance, but don't provide a secure place for me to keep my money. I wouldn't recommend banking with them; consider Navy Federal instead.
Carl
September 14, 2024
Verified Review
You've been a great company to do business with. However, I don't understand your map and that's the reason I canceled my policy.
You've been a great company to do business with. However, I don't understand your map and that's the reason I canceled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA has auto insurance designed for military members, veterans, and their immediate families. The auto insurer also provides its members access to discounts for bundling insurance products, insuring more than one vehicle, living on a military base, and more. Given that Hawaii is home to the U.S. Indo-Pacific Command headquarters, a number of Hawaii residents can benefit from USAA’s auto insurance.
Pros
Affordable premiums for members
Savings of up to 30% possible via SafePilot program
Received high marks in customer service and claims satisfaction
Cons
Exclusively available to active-duty military members, veterans, and family members
No 24/7 customer phone support
Gap insurance not available
Cheapest liability-only car insurance in Honolulu
If you have an accident, liability-only car insurance covers the other driver’s related medical bills and vehicle repairs. Liability insurance is the most affordable policy option an insurer will offer, but it doesn’t cover any of your vehicle damage or medical expenses. This coverage works best for drivers with old or inexpensive vehicles.[3]
Here are some of the cheapest options for liability-only car insurance in Honolulu.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| GEICO | $59 |
| State Farm | $63 |
| 21st Century | $78 |
| USAA | $83 |
| Allstate | $105 |
| Progressive | $108 |
| AIG | $116 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Honolulu
A full-coverage policy protects your car, as well as the other driver and their vehicle. Full-coverage policies typically include a combination of liability, collision, and comprehensive coverage. You should consider this coverage if you drive frequently or have a new or high-value car. If you lease or finance your car, your auto lender or dealer may require you to purchase it.
Here are some of the most affordable options for full-coverage insurance in Honolulu.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| GEICO | $99 |
| State Farm | $106 |
| 21st Century | $130 |
| USAA | $139 |
| Allstate | $174 |
| Progressive | $180 |
| AIG | $194 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Hawaii
Hawaii is a no-fault state, which means each driver needs to file a claim with their insurer after an accident. Drivers must carry a minimum of personal injury protection (PIP) insurance to cover their medical expenses. This system allows drivers to receive immediate medical attention after an accident without filing a claim with the other party’s auto insurer.
Here are the minimum requirements for car insurance coverage in Hawaii:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $20,000 per person and $40,000 per accident |
| Property damage liability | $10,000 per accident |
| Personal injury protection (PIP) | $10,000 per person |
You need auto insurance to safeguard your assets after a car accident, and more coverage provides more financial protection. If you want coverage beyond the state’s requirements, you can consider the following optional policies:
Uninsured motorist coverage
Uninsured motorist coverage compensates you for your damages and injuries if someone who doesn’t have enough insurance causes an accident.
Collision coverage
If you have a collision with another vehicle or object, collision coverage can reimburse you for vehicle repairs. This applies regardless of fault.
Comprehensive coverage
With comprehensive coverage, you’ll receive compensation for vehicle repairs if your car incurs damages due to non-collision incidents like theft, vandalism, and severe weather.
Cheapest car insurance for drivers with an incident
Driving incidents are moving violations that can negatively affect your driving record, like speeding tickets, driving under the influence (DUI) charges, and at-fault accidents. These incidents can increase your insurance premiums significantly.
The frequency and severity of the incidents on your driving record typically influence how much your auto insurer increases your premium.[5] For example, a single speeding ticket on your record shouldn’t increase your premium as much as an accident or DUI.
Cheapest car insurance for drivers with a speeding ticket
A speeding ticket can indicate to insurers that you’re a high-risk driver. Drivers who engage in reckless driving, such as speeding, are a liability to insurers. You may pay higher premiums to offset the risk.
Find the cheapest average car insurance quotes for Honolulu drivers with a speeding ticket below.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| GEICO | $132 | $79 |
| State Farm | $142 | $84 |
| 21st Century | $174 | $104 |
| USAA | $186 | $112 |
| Allstate | $234 | $140 |
| Progressive | $242 | $144 |
| AIG | $260 | $156 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
Having an at-fault accident on your record can cause a significant increase in your premium because it signals to insurers that you may have engaged in risky driving behaviors. Accidents can come with costly claims payouts that insurers want to avoid.
Here are some of the cheapest car insurance companies for Honolulu drivers with an at-fault accident on their record.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| GEICO | $141 | $85 |
| State Farm | $151 | $90 |
| 21st Century | $186 | $111 |
| USAA | $198 | $119 |
| Allstate | $249 | $150 |
| Progressive | $258 | $154 |
| AIG | $277 | $166 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Due to the severity of the offense, a past DUI typically has a sizable effect on your auto insurance rates. If you get a DUI in Hawaii, you’ll likely need to file an SR-22 certificate to prove you have the state’s minimum liability coverage. Some insurers don’t offer coverage to high-risk drivers, and others simply charge much higher rates.
You can try to cut your costs by shopping around for coverage from multiple insurance companies. The following companies offer some of the cheapest average monthly quotes for Honolulu drivers with a DUI conviction.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| GEICO | $153 | $92 |
| State Farm | $164 | $98 |
| 21st Century | $201 | $120 |
| USAA | $215 | $129 |
| Allstate | $270 | $162 |
| Progressive | $279 | $167 |
| AIG | $300 | $180 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Your age has an effect on how much you pay for car insurance. Your insurance rates will decrease as you gain more experience on the road, and drivers between the ages of 35 and 75 typically see steadily decreasing premiums.
However, premiums may increase again for senior drivers after they turn 75, due to aging-related risk factors insurers begin to account for. If you’re an older driver in Hawaii, you can still find affordable car insurance. Start your search with the companies below.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| GEICO | $69 | $41 |
| State Farm | $74 | $44 |
| 21st Century | $91 | $54 |
| USAA | $97 | $58 |
| Allstate | $122 | $73 |
| Progressive | $126 | $75 |
| AIG | $136 | $81 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teenage drivers are more likely to get into an accident due to their lack of experience on the road. As a result, this demographic of drivers tends to pay the highest car insurance rates.
Younger drivers can lower costs by completing a driver safety course, earning student discounts, and joining their parents’ existing insurance plan. They can also shop from insurance companies, like the ones below, that provide budget-friendly costs to teenagers.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| GEICO | $183 | $109 |
| State Farm | $195 | $117 |
| 21st Century | $240 | $143 |
| USAA | $256 | $154 |
| Allstate | $323 | $194 |
| Progressive | $333 | $199 |
| AIG | $359 | $215 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Honolulu
In Honolulu, your driving habits, policy details, driver profile, and the type of car you drive can affect your insurance policy. While you may have little control over these factors, you can work on getting the best rates by following these tips:
Compare quotes. The Insurance Information Institute recommends gathering at least three quotes from different insurance companies to find the most affordable policy for your needs.[6]
Maintain a good driving record. Your driving record will affect your rates. It’s essential to improve or keep your record clean to get the best deal on your policy.
Seek discounts. Insurers offer a wide range of discounts for different types of drivers. For instance, you can get a discount for having a membership with a certain group, a good record, or good grades.
Increase your deductible. Setting a higher deductible can decrease your monthly premiums. Just make sure you can pay for your deductible if you have to file an insurance claim after an accident.
Find Car Insurance in Honolulu
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Is car insurance more expensive in Honolulu?
Car insurance in Honolulu is $61 per month, which is much less expensive than the national average and right in line with the Hawaii state average. However, car insurance rates vary by city based on weather conditions, crime rates, the percentage of uninsured drivers, and more.
For instance, the average cost of full-coverage insurance in Ewa Beach is a bit less expensive than the same coverage in Honolulu. Ewa Beach isn’t as big of a tourist destination as Honolulu, which can result in less traffic, fewer accidents, and cheaper premiums for drivers in the area.
More cities in Hawaii
A full-coverage policy in Honolulu is slightly cheaper than in Waianae and significantly less expensive than in Keaau. On average, drivers in Honolulu pay $80 per month for full-coverage car insurance.
See how the average monthly rates for a full-coverage policy in different Hawaii cities compare to Honolulu.
Honolulu car insurance FAQs
Before you start comparing quotes from auto insurers, you should determine how much coverage you need. The information below should help answer your remaining questions about finding cheap car insurance in Honolulu.
How much is car insurance in Honolulu?
Honolulu drivers pay $61 per month for auto coverage, on average. Car insurance in the city costs $42 per month for liability coverage and $80 for full-coverage insurance. Your specific premium will depend on your driving record, age, chosen coverage, and more.
What are the best car insurance companies in Honolulu?
With an Insurify Quality (IQ) Score of 4.4 out of 5, an AM Best financial strength rating of A++ (Superior), and customizable coverage options, State Farm is the best car insurance company in Honolulu. Other top insurers include GEICO and USAA.
Which factors affect the cost of car insurance premiums in Honolulu?
Drivers in Honolulu and other areas in Hawaii typically earn cheaper rates than the national average — perhaps due to a state law that benefits drivers. Hawaii prohibits insurers from considering credit when determining rates. Your driving history, age, chosen coverage, and more affect how much you pay for insurance.
How can you find the best car insurance rates in Honolulu?
Shopping around for coverage from multiple insurers is one of the best ways to find the cheapest car insurance rates for you. You can also earn discounts for driving safely, maintaining good credit, and completing an approved defensive driving course. If you have a full-coverage policy, you can increase your deductible to pay lower premiums.
Does your credit history affect car insurance rates in Hawaii?
No. Hawaii prohibits auto insurers from considering a person’s credit reports when determining premiums or issuing a policy.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
Sources
- National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info."
- NOLO. "Hawaii No-Fault Car Insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Hawaii Department of Commerce and Consumer Affairs. "Motor Vehicle Insurance Information."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "How to save money on car insurance."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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