Cheapest car insurance companies in Honolulu 

A recent data analysis by Insurance.com found the cheapest car insurance companies are Geico and Progressive in Honolulu for 2023. 

In Honolulu, Geico provides the cheapest auto insurance rates to drivers at an average annual premium of $1,124 annually

In Honolulu, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates. 

CompaniesAverage annual rates
Geico$1,124
USAA$1,137
Progressive$1,289
Farmers$1,486
Island Insurance$1,795
Allstate$1,797
State Farm$1,976

Cheapest car insurance cost in Honolulu by Age Group 

In Honolulu, USAA is the cheapest car insurance company for teenagers, offering full coverage policies at $1,218 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.

Among the carriers analyzed, USAA is the cheapest car insurance option for drivers in Honolulu, at $1,137 a year for a full coverage policy.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Honolulu is Geico. Its average rate for a full coverage car insurance policy is $1,124 per year

Geico tops the list in terms of affordability for senior drivers in Honolulu. With an average annual premium of $1,124, Geico offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.

CompanyTeensYoung AdultsAdultsSeniors
USAA$1,218$1,137$1,137$1,137
Geico$1,263$1,152$1,124$1,124
Farmers$1,486$1,486$1,486$1,486
Progressive$1,755$1,289$1,289$1,289
Island Insurance$1,795$1,795$1,795$1,795
Allstate$1,957$1,797$1,797$1,797
State Farm$1,976$1,976$1,976$1,976

Cheapest car insurance companies in Honolulu by driver profile 

Your driving profile plays an important role in determining your car insurance rates in Honolulu. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Honolulu that suits your budget. 

In Honolulu, these insurance companies offer cheap car insurance rates based on your driver profile.

In Honolulu, Geico provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,049, on average. 

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
Geico$1,049
State Farm$1,238
USAA$1,275
Farmers$1,652
Progressive$1,833
Allstate$2,201

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Honolulu with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,343 annually.

CompanyAverage annual rates
State Farm$1,343
Geico$1,469
USAA$1,488
Progressive$2,108
Farmers$2,428
Allstate$2,522

Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Honolulu for drivers with a DUI, with an average annual premium of $1,238.

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage annual rates
State Farm$1,238
Progressive$2,543
USAA$2,686
Farmers$2,768
Allstate$4,523
Geico$11,981

Average car insurance cost in Honolulu 

In Honolulu, the annual cost of car insurance for the coverage level of 100/300/100 is $1,515 or around $126 per month. However, the average yearly rate for state minimum coverage in Honolulu is $422.

Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as

Average annual RatesState minimum average
$1,515$422

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.