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open/ HI/ honolulu

Cheapest car insurance in Honolulu, Hawaii

Hawaii requires minimum liability coverage of 20/40/10, plus $10,000 in PIP. Rates below are monthly estimates for the 25-55 driver, Full coverage, Excellent credit bracket.

Filed per-carrier data
Methodology → All of Hawaii →

Pulled directly from carrier rate filings for this city.

With 343,421 residents, Honolulu sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. Insurers are moderately spread out in Honolulu, about 38% between the cheapest and priciest filed rate, so shopping around still moves the number. On average, drivers here pay about 52% less than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 State FarmFiled rate, credit/record adjusted $88.12
02 USAAFiled rate, credit/record adjusted $88.40
03 Island Insurance GroupFiled rate, credit/record adjusted $91.23
04 21st CenturyFiled rate, credit/record adjusted $95.20
05 GEICOFiled rate, credit/record adjusted $97.75
06 ProgressiveFiled rate, credit/record adjusted $105.12
07 AllstateFiled rate, credit/record adjusted $142.38
Rate explainer
Why is your best rate $88.12 and not $209.31?

Honolulu is priced against 7 insurers for the 25-55 driver, Full coverage, Excellent credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-90.29
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Excellent (modeled) $-17.85
Driving record, Clean (modeled) +$0.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.