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How much is car insurance in Honolulu?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Honolulu is in line with pricing for the rest of Hawaii.
Compared to the rest of the country, auto insurance in Honolulu is more affordable. The average monthly payment in Honolulu is about $23 less than the rate for the rest of the U.S.
While these are the average car insurance rates for Honolulu, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Honolulu so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay about $11 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may rise again in Honolulu.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Honolulu is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Honolulu, drivers with one accident on their record will experience rates around $82 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$74|
|15 Years or Older||$60|
In Honolulu, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $55 per month for auto insurance.
Truck and van drivers will see rates of about $76, while the rates for car owners average out to about $57 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few years old. In Honolulu, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Honolulu reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $1 a month more than if you own your own home in Honolulu. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Honolulu, HI
Recent trends in car insurance for Honolulu drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The rates for car insurance in Honolulu rose from 2016-2017, before leveling out in 2018. They finished up in 2021, at $73 a month
How does Honolulu compare to neighboring areas?
Why are car insurance rates in Honolulu different from other areas?
Car insurance companies will take into account many factors when they're choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Area laws
- Road Safety (frequency of local car accidents)
- Number of drivers
- Availability of off-street parking
- Rate of crime
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Honolulu?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Honolulu.
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Honolulu Insurance FAQs
What factors affect car insurance quotes in Honolulu?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Honolulu different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Honolulu?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Honolulu?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Honolulu or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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