Honolulu, HI
Cheap Car Insurance in Honolulu
Honolulu drivers pay an average of $1,058/year for auto insurance — 10% below the Hawaii state average. Compare quotes and save.
Why Honolulu drivers pay less
Honolulu premiums run below the national average — Hawaii's no-fault system + low theft keep pricing controlled. Across Hawaii, the average annual premium is $1,175; Honolulu comes in at about $1,058 — 10% below the state benchmark.
Premiums vary widely within Honolulu based on ZIP code, vehicle, age, credit (where allowed), and driving record. Urban ZIPs typically pay 20-40% more than suburban ones in the same metro area.
5 ways to lower your Honolulu car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10-25% discount).
- Ask about telematics/usage-based discounts (10-30% if you drive carefully).
- Consider your ZIP — moving even one ZIP over in Honolulu can shift your premium 10-20%.
Honolulu drivers