Honolulu, HI Auto Insurance | Cheap Car Insurance in Honolulu, HI

Residents in need of cheap car insurance in Honolulu, HI have several options. The best Honolulu, HI car insurance companies consist of Allstate, State Farm, and Liberty Mutual. Allstate provides Honolulu, HI auto insurance at $41 monthly.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Regarding Hawaii auto insurance, it has a 20/40/10 minimum coverage requirement. Drivers searching for cheap car insurance in Honolulu, HI will be able to find affordable premiums. Allstate, State Farm, and Liberty Mutual are some of the best Honolulu, HI car insurance companies. Allstate leads the way in offering Honolulu, HI auto insurance at $41 monthly.

Honolulu is internationally famous for its fabulous weather and popular tourism industry. But did you know it is also an important shipping hub? Its strategic location in the Pacific Ocean connects the west coast of North America to Australia and Asian countries. The city is also important for US naval defense.

Fun fact: Did you know that Honolulu is #1 on the list of “Top 101 cities with largest percentage of females working in industry: Jewelry, luggage, and leather goods stores (population 50,000+)”?

Are you looking for cheap auto insurance in Honolulu, HI? At AutoInsuranceEZ.com, you’ll find the cheapest auto insurance in Honolulu, Hawaii. To receive free car insurance quotes from the top rated providers today, just put your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Hawaii

Want to drive legally in Hawaii? Well, you’ll need to purchase at least this much insurance coverage:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 20,000/40,000
Medical Payments Not required 2,000
Collision Not required 250 deductible
Comprehensive Not required 1,000 deductible

Think Liability coverage is all you need? Well, just because it’s the state mandatory minimum doesn’t mean that you don’t need more coverage. Liability only pays out claims for very specific circumstances (accidents caused by you). If anything else happens to your car, you’re basically on your own.

The average Hawaii driver could be paying around $117 for their car insurance policy each month. However, Honolulu drivers have the opportunity to get insured for as low as $68/mo*. How is this possible? Keep reading, and you’ll find out.

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Cheapest Car Insurance in Honolulu, HI

Average Monthly Auto Insurance PremiumsLegend: Honolulu Allstate State Farm Liberty Mutual 102030405060708090100110120$41$42$121

Liberty Mutual is clearly more expensive than the two other major Honolulu, HI auto insurance companies, Allstate and State Farm. The reason why is hard to say. But before you decide on a provider, do a little digging. Just because a company offers a low rate doesn’t mean their customer service or their claims process is satisfactory.

Auto insurance carriers evaluate several elements when establishing Honolulu, HI auto insurance quotes, including driving experience, credit score/rating, miles driven each year, the age of your vehicle, and current insurance coverage/limits. Additionally, premiums differ from carrier to carrier. To find out whether you’re still getting the cheapest car insurance in Honolulu, Hawaii, compare cheap Hawaii auto insurance quotes online.

Major Factors in Cheap Car Insurance in Honolulu, Hawaii

There are lots of ways in which your car insurance rate may be estimated. But not all of it is out of your control; there are steps you can take so that you can control which discounts you are eligible to receive. Listed below are a few of these factors in greater detail:

Your ZIP Code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Honolulu is 374,701 and the median household income is $63,772.

Auto Insurance by ZIP CodeLegend: Honolulu Hilo Kailua Kaneohe Kapolei Allstate State Farm Liberty Mutual 102030405060708090100110120$41$44$41$41$41$42$40$42$42$42$121$114$121$121$121

Automotive Accidents

A part of your rate is calculated based on how many serious accidents happen in your area on a regular basis. In the chart above, you can see the most recent statistical data for Honolulu. If you’re worried that high accident rates in your area are raising your premium, talk to your agent about possible safe driver discounts which could save you money.

Fatal Accidents in Honolulu, HILegend: Honolulu Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 12345678910111213141516171861028181

Auto Thefts in Honolulu

In Honolulu, NICB research shows that drivers may end up spending over $300 more each year on their car insurance just because of auto theft. In order to make it less of a problem for you, think about installing a passive anti-theft system on your car. Your auto insurance company may reward you with lower, affordable Honolulu, HI auto insurance! Or, they could lower your rate enough so that you can afford to add Comprehensive insurance coverage to your policy. It’s the only type of coverage which pays out claims on auto theft.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Allstate State Farm Liberty Mutual 255075100125150175200225$41$100$42$82$121$249

Your Credit Score

Hawaii is one of three states in the country where auto insurance providers are legally prohibited from basing your monthly premium on your credit score. For people with poor credit, this means that you’ll be paying less than you would if you lived in most other states. However, this does make monthly premiums artificially higher for everyone with a better credit score.

 

Your Age

For better or for worse, drivers under the age of 25 have some of the highest insurance rates around. Data shows that younger people with less driving experience are more likely to get into accidents, so companies offset the financial risk with higher premiums. Ask your provider about Drivers Ed and Good Student discounts to help offset these higher Honolulu, HI auto insurance rates.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Allstate State Farm Liberty Mutual 153045607590105120135150165180$41$84$42$46$121$187

 

Your Driving Record

If you have one or more major driving violations on your record, it may become difficult and expensive to find automotive insurance. Even a few minor infractions can send your monthly rates through the roof. Try asking your provider about any “accident forgiveness” discounts they may offer to help save yourself some money.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate State Farm Liberty Mutual 153045607590105120135150165180$41$62$46$64$42$46$185$49$121$187Do Not Sell$187

Your Vehicle

In truth, insuring a compact sedan or a luxury sports car with Liability coverage may only cost a few dollars’ difference – buy why would you insure a luxury vehicle with a bare bones insurance policy? The cost for luxury insurance comes from the added coverages – Comprehensive, Roadside Assistance, and more – that are pretty much mandatory if you want to protect your investment.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate State Farm Liberty Mutual 255075100125150175200225250$41$131$42$112$121$265

Minor Factors in Cheap Auto Insurance in Honolulu, Hawaii

Before you make any major decisions about your insurance policy, be sure to consider these minor factors as well:

Your Marital Status

If you’re married, then you’re in the perfect position to take advantage of bundling discounts (if you aren’t already doing so). You and your spouse will be charged significantly less if you bundle your policies under the same provider.

Your Gender

Remember the old days when companies charged drastically different rates based on gender? Well, thankfully, many providers are starting to forget. Most insurance companies these days charge about the same rate, regardless of gender.

Your Driving Distance to Work

The typical worker can expect to spend 16-29 minutes driving to work each day. Of these, just over 50% drive their own car in to work. Around 6-16% commute to work by carpooling, while others rely on additional forms of public transportation, such as busses.

You can reduce your premiums by a few dollars a month by limiting your yearly mileage. You should also do what you can to make sure your vehicle is for personal use only. Business vehicles tend to cost 11-12% more in premiums.

Your Coverage and Deductibles

Need a way to lower your monthly premiums, or to add coverage without raising your rates? Then raise your deductible. Doing so will give you options as far as coverage and monthly payments are concerned. Just make sure you have enough to cover your deductible should the worst happen.

Your Education

Many drivers in Honolulu have obtained at least a high school diploma or some similar equivalent. Additionally, a good number of motorists also have a bachelor’s degree, which is likely to save them lots of money on their car insurance each year. This is because higher levels of education net lower automotive insurance rates, even more so than having a high income or a prestigious job.

There are several institutions of higher learning in the Honolulu area. The University of Hawaii at Manoa educates tens of thousands of students annually, offering degrees in everything from science and agriculture to astronomy and astrophysics. There are also private institutions such as the Hawaii Pacific University or the Chaminade University of Honolulu.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

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How We Conducted the Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Hawaii Department of Commerce and Consumer Affairs – Insurance

Hawaii Department of Commerce and Consumer Affairs – Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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