Drivers in Honolulu, HI pay an average of $1,320 per year ($110/month) for full coverage — $684 below the national average of $2,004.
Average Car Insurance Cost in Honolulu
The average cost of auto insurance in Honolulu, HI is $1,320 per year — $684 below the national average of $2,004. Honolulu rates are driven by Hawaii no-fault system, island geography limiting accident severity, low theft rates.
| Insurer | Est. Annual (HI) | Monthly | vs. Honolulu Avg | Best For |
|---|---|---|---|---|
| Geico | $1,082 | $90 | $238 below | Clean record |
| State Farm | $1,267 | $105 | $53 below | Local agent |
| Progressive | $1,399 | $116 | $79 above | High-risk drivers |
| Allstate | $1,570 | $130 | $250 above | New car owners |
| Nationwide | $1,214 | $101 | $106 below | Safe drivers |
| USAA | $950 | $79 | $370 below | Military only |
Rates shown are estimates for a 35-year-old driver with a clean record in Honolulu, HI. Your actual rate depends on your driver profile, vehicle, and coverage level.
Why Car Insurance Rates Are What They Are in Honolulu
Honolulu drivers face low insurance risk. Rates in Honolulu are driven by Hawaii no-fault system, island geography limiting accident severity, low theft rates.
- Traffic density: Suburban and highway traffic in Honolulu creates moderate accident risk.
- Weather exposure: Hawaii's climate creates specific claim patterns that affect Honolulu drivers.
- Uninsured drivers: Hawaii's uninsured motorist rate affects all premiums — UM coverage is strongly recommended.
- Local medical costs: Healthcare costs in Honolulu directly influence bodily injury liability rates.
- Repair costs: Auto repair labor rates in Honolulu are at or below the national average.
Minimum Car Insurance Required in Honolulu, HI
All Honolulu drivers must carry Hawaii's minimum auto insurance: 20/40/10 liability limits.
Minimum limits of 20/40/10 are rarely sufficient for serious accidents in Honolulu. Medical bills after a severe collision routinely exceed $150,000. Insurance experts recommend at least 100/300/100 limits.
How to Get the Cheapest Car Insurance in Honolulu
- Compare 4–5 quotes: Rate variation between insurers in Honolulu often exceeds $1,000 per year for identical coverage.
- Bundle policies: Homeowners in Honolulu typically save $250–$400 per year by combining auto and home insurance.
- Raise your deductible: Increasing from $500 to $1,000 typically saves 15–20 percent in Hawaii.
- Enroll in telematics: Drive Safe and Save, Snapshot, and SmartRide can save Honolulu drivers 10–30 percent.
- Shop annually: Hawaii drivers who switched insurers at renewal saved an average of $487 in 2025.