Best Cheap Auto Insurance in Honolulu, Hawaii (2025)

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

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

Best insurer for families: State Farm

Best insurer for military members: USAA

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.

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.

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

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:

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.

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.

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.

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.

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.

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.

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.