Car Insurance Cost in Honolulu, HI – Cheapest Rates + Comparisons

How much does Honolulu auto insurance cost? We compare six different automotive segments to find the vehicles with cheap Honolulu car insurance quotes.

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  • Honolulu car insurance rates cost an average of $1,934 per year, or approximately $161 per month.
  • Honolulu auto insurance costs an average of $12 per year more than the Hawaii state average rate and $287 per year less than the U.S. national average.
  • Car insurance rates for a few popular models in Honolulu include the Toyota RAV4 at $1,782 per year, Nissan Sentra at $1,772, and Nissan Altima at $2,094.
  • Compact models like the Toyota Corolla Cross, Chevrolet Trailblazer, and Subaru Crosstrek are a few of the top picks for having cheap car insurance in Honolulu.

How much does car insurance cost in Honolulu?

In Honolulu, the average cost to insure a vehicle is $1,934 per year, which is 13.8% less than the national average rate of $2,221. Per month, Honolulu car insurance costs about $161 for a full coverage policy.

The next chart shows average car insurance cost in Honolulu for all 2024 models. Rates are averaged for all Honolulu Zip Codes and shown for both different driver ages and physical damage coverage deductibles.

Average full-coverage car insurance premium in Honolulu, HI for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Honolulu, HI for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Honolulu, HI Zip Codes.

Average Car Insurance Cost in Honolulu, HI
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,292$274
$500$3,890$324
$250$4,524$377
30$1,000$1,732$144
$500$2,064$172
$250$2,412$201
40$1,000$1,628$136
$500$1,934$161
$250$2,254$188
50$1,000$1,448$121
$500$1,714$143
$250$1,990$166
60$1,000$1,356$113
$500$1,604$134
$250$1,864$155

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Honolulu, HI Zip Codes. Updated June 27, 2025

The average cost of car insurance per month in Honolulu is $161, and ranges from $113 to $377 for the driver ages and deductible levels shown in the chart above.

Honolulu car insurance rates can have significant differences in cost and are impacted by a lot of factors. This variability stresses the need to get accurate auto insurance quotes when trying to find the cheapest car insurance coverage.

The age of the driver is the single-largest factor that determines the price you pay for auto insurance. The list below illustrates this point by breaking out average car insurance rates based on the age of the driver.

Average cost of car insurance in Honolulu by driver age

  • 16 year old – $6,885 per year or $574 per month
  • 17 year old – $6,670 per year or $556 per month
  • 18 year old – $5,979 per year or $498 per month
  • 19 year old – $5,444 per year or $454 per month
  • 20 year old – $3,890 per year or $324 per month
  • 30 year old – $2,064 per year or $172 per month
  • 40 year old – $1,934 per year or $161 per month
  • 50 year old – $1,714 per year or $143 per month
  • 60 year old – $1,604 per year or $134 per month

The rates above for teenage drivers assumed the driver was male. The next chart gets more specific and separates average teen driver rates in Honolulu by gender. Young female drivers tend to have cheaper auto insurance rates than their male counterparts.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Honolulu includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Honolulu, HI for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$6,885$6,432
17-Year-Old$6,670$6,392
18-Year-Old$5,979$5,517
19-Year-Old$5,444$4,602

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

Car insurance for a 16-year-old female driver in Honolulu costs an average of $453 less per year than the cost for a male driver, while at age 19, it still costs $842 less per year for females than males.

The previous car insurance rates in this article are averaged for all 2024 vehicle models, which is handy when making broad comparisons like the difference in average auto insurance cost between two Hawaii cities.

Average auto insurance rates are awesome when trying to find the answer to questions like “are Honolulu car insurance rates cheaper than in ?” or “is car insurance cheaper in Hawaii or Texas?”.

For more in-depth cost comparisons, however, it makes better sense to do a rate analysis for the specific make and model of vehicle being insured. Each individual vehicle model has it’s own risk profile for calculating how much auto insurance costs and this data allows us to perform more detailed comparisons.

The following chart shows average insurance cost for a handful of the more popular vehicles you’ll see on the streets of Honolulu. Later on, we analyze additional situations that affect the cost of insuring some of these vehicles in more detail.

Average cost to insure popular 2024 model year vehicles in Honolulu.
Figure 3: Average cost to insure popular 2024 model year vehicles in Honolulu. Rates updated on June 27, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Honolulu Zip Codes.

Honolulu Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,428$119
Honda CR-V$1,648$137
Honda HR-V$1,682$140
Honda Civic$1,710$143
Nissan Rogue$1,738$145
Ford Escape$1,764$147
Toyota RAV4$1,782$149
Hyundai Tucson$1,796$150
Chevrolet Traverse$1,804$150
Toyota Tacoma$1,958$163
Hyundai Santa Fe$1,966$164
Toyota 4Runner$2,072$173
Toyota Camry$2,076$173
Hyundai Elantra$2,100$175
Ford Mustang$2,124$177
GMC Sierra$2,134$178
Chevrolet Silverado$2,138$178
Ford Bronco$2,146$179
Ford F150$2,164$180
Ram Truck$2,234$186

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Honolulu, HI Zip Codes. Updated June 27, 2025

The models that sell well in Honolulu tend to be small or midsize cars like the Toyota Corolla, Volkswagen Jetta, and Toyota Camry and small or midsize SUVs like the Honda CR-V and Jeep Grand Cherokee.

Other popular vehicles from different automotive segments include luxury SUVs like the Infiniti QX60, Cadillac XT5, and Lexus RX 350, luxury cars like the Lexus ES 350, Acura ILX, and BMW 530i, and pickup trucks like the Ford F-150, Chevy Silverado, and Ram 1500.

We cover additional rates a little farther in this article, but before we dive into that data, let’s take a look at the concepts covered in the data above.

  • Low deductible car insurance costs more – A 40-year-old driver pays an average of $626 more per year for $250 deductibles compared to $1,000 deductibles.
  • Car insurance is generally cheaper as you get older – Average rates for a 50-year-old driver in Honolulu are $2,176 per year cheaper than for a 20-year-old driver.
  • Honolulu car insurance cost is less than the U.S. average – $1,934 (Honolulu average) compared to $2,221 (U.S. average)
  • Honolulu car insurance prices are more expensive than the Hawaii state average – $1,934 (Honolulu average) versus $1,922 (Hawaii average)
  • Cost per month ranges from $134 to $574 – That is the average car insurance cost range for drivers from age 16 to 60 in Honolulu.
  • Insuring teens can be very expensive – Average rates range from $4,602 to $6,885 per year to insure a teenage driver in Honolulu.

Which cars have cheap insurance in Honolulu?

The models with the cheapest average auto insurance prices in Honolulu, HI, tend to be small SUVs and crossovers like the Kia Soul, Chevrolet Trailblazer, and Buick Envision.

Average car insurance quotes for those crossover SUVs cost $1,570 or less per year, or $131 per month, to get full coverage.

Some other vehicles that come in near the top in the comparison table below are the Buick Envista, Nissan Murano, Honda CR-V, and Volkswagen Tiguan.

Rates are a little bit more for those models than the cheapest small SUVs that rank near the top, but they still have an average cost of $1,682 or less per year.

The following table breaks down the 40 models with the cheapest car insurance in Honolulu, ordered starting with the cheapest.

Top 40 Cheapest Automobiles to Insure in Honolulu
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,428$119
2Chevrolet Trailblazer$1,452$121
3Kia Soul$1,508$126
4Nissan Kicks$1,520$127
5Honda Passport$1,540$128
6Buick Envision$1,550$129
7Toyota Corolla Cross$1,558$130
8Hyundai Venue$1,570$131
9Mazda CX-5$1,576$131
10Ford Bronco Sport$1,582$132
11Volkswagen Tiguan$1,600$133
12Acura RDX$1,616$135
13Nissan Murano$1,624$135
14Buick Encore$1,640$137
15Subaru Outback$1,646$137
16Honda CR-V$1,648$137
17Buick Envista$1,654$138
18Volkswagen Taos$1,656$138
19Kia Niro$1,664$139
20Toyota GR Corolla$1,680$140
21Honda HR-V$1,682$140
22Subaru Ascent$1,682$140
23Nissan Leaf$1,694$141
24Chevrolet Colorado$1,702$142
25Honda Civic$1,710$143
26Lexus NX 250$1,710$143
27Volkswagen Atlas$1,714$143
28Acura Integra$1,718$143
29Subaru Forester$1,722$144
30Volkswagen Atlas Cross Sport$1,724$144
31Kia Seltos$1,726$144
32GMC Terrain$1,730$144
33Nissan Rogue$1,738$145
34Hyundai Kona$1,742$145
35Cadillac XT4$1,744$145
36Mazda CX-30$1,744$145
37Volkswagen ID4$1,752$146
38Ford Explorer$1,754$146
39Toyota Highlander$1,756$146
40Ford Escape$1,764$147

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Honolulu, HI Zip Codes. Updated June 26, 2025

Top 40 cheapest vehicles to insure in Honolulu, HI with the Subaru Crosstrek ranking first at $1,428 per year
Top 40 cheapest vehicles to insure in Honolulu, HI with the Subaru Crosstrek ranking first at $1,428 per year

The table above that contains 40 of the cheapest vehicles to insure in Honolulu is fine if you just want the lowest rates. Considering the fact that we rate over 700 vehicles, there is a lot of rate data no being shown.

So let’s rethink this and list the models with the lowest rates in a more sensible format, by segment. The next six sections list the top 20 models with the most affordable insurance rates in Honolulu for each of the main vehicle segments.

Cheapest car insurance rates in Honolulu

Ranking at the top for the cheapest Honolulu auto insurance rates in the non-luxury sedan or hatchback segment are the Nissan Sentra, Toyota GR Corolla, Nissan Leaf, Subaru Impreza, and Honda Civic. Car insurance quotes for these vehicles average $1,776 or less per year.

Some other cars that have affordable insurance rates include the Honda Accord, Chevrolet Malibu, Toyota Prius, and Kia K5, with average annual insurance rates of $1,884 per year or less.

Auto insurance for this segment in Honolulu can cost as low as $140 per month, depending on your location.

The table below ranks the twenty cars with the most affordable insurance in Honolulu, starting with the Toyota GR Corolla at $1,680 per year and ending with the Mazda 3 at $2,000 per year.

Cheapest Cars to Insure in Honolulu
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,680$140
Nissan LeafCompact$1,694$141
Honda CivicCompact$1,710$143
Nissan SentraCompact$1,772$148
Subaru ImprezaCompact$1,776$148
Toyota PriusCompact$1,806$151
Kia K5Midsize$1,862$155
Honda AccordMidsize$1,866$156
Chevrolet MalibuMidsize$1,876$156
Toyota CorollaCompact$1,884$157
Kia ForteCompact$1,888$157
Volkswagen ArteonMidsize$1,900$158
Nissan VersaCompact$1,904$159
Subaru LegacyMidsize$1,908$159
Hyundai Ioniq 6Midsize$1,922$160
Mitsubishi Mirage G4Compact$1,950$163
Toyota CrownMidsize$1,956$163
Volkswagen JettaCompact$1,956$163
Hyundai SonataMidsize$1,960$163
Mazda 3Compact$2,000$167

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Honolulu, HI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Honolulu, HI, with the Toyota GR Corolla ranking first at $1,680 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Honolulu, HI, with the Toyota GR Corolla ranking first at $1,680 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Don’t see rates for your vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Honolulu car insurance quotes from the best companies in Hawaii.

Cheapest SUVs to insure in Honolulu

The four cheapest non-luxury SUVs to insure in Honolulu are the Subaru Crosstrek at $1,428 per year, Chevrolet Trailblazer at $1,452 per year, Kia Soul at $1,508 per year, and Nissan Kicks at $1,520 per year.

Other SUVs that have good average insurance rates include the Toyota Corolla Cross, Hyundai Venue, Mazda CX-5, and Ford Bronco Sport, with an average cost to insure of $1,582 per year or less.

Car insurance rates in this segment can cost as low as $119 per month, depending on the company.

If ranked by vehicle size, the lowest-cost compact SUV to insure in Honolulu is the Subaru Crosstrek at $1,428 per year, or $119 per month. For midsize models, the Honda Passport is cheapest to insure at $1,540 per year, or $128 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the best rates at $1,814 per year, or $151 per month.

The next table ranks the twenty SUVs with the lowest-cost car insurance rates in Honolulu, starting with the Subaru Crosstrek at $1,428 per year and ending with the Subaru Ascent at $1,682 per year.

Cheapest SUVs to Insure in Honolulu
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,428$119
Chevrolet TrailblazerCompact$1,452$121
Kia SoulCompact$1,508$126
Nissan KicksCompact$1,520$127
Honda PassportMidsize$1,540$128
Buick EnvisionCompact$1,550$129
Toyota Corolla CrossCompact$1,558$130
Hyundai VenueCompact$1,570$131
Mazda CX-5Compact$1,576$131
Ford Bronco SportCompact$1,582$132
Volkswagen TiguanCompact$1,600$133
Nissan MuranoMidsize$1,624$135
Buick EncoreCompact$1,640$137
Subaru OutbackMidsize$1,646$137
Honda CR-VCompact$1,648$137
Buick EnvistaMidsize$1,654$138
Volkswagen TaosCompact$1,656$138
Kia NiroCompact$1,664$139
Honda HR-VCompact$1,682$140
Subaru AscentMidsize$1,682$140

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Honolulu, HI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Honolulu, HI, with the Subaru Crosstrek ranking first at $1,428 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Honolulu, HI, with the Subaru Crosstrek ranking first at $1,428 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see your SUV in the table above? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Honolulu car insurance quotes from top auto insurance companies in Hawaii.

Cheapest pickup insurance rates in Honolulu

The Chevrolet Colorado takes the top ranking for the lowest-cost pickup truck to insure in Honolulu, followed closely by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model averages $1,702 per year for full-coverage auto insurance.

Other models that are affordable to insure include the GMC Sierra 2500 HD, GMC Canyon, Honda Ridgeline, and Toyota Tacoma, with average annual insurance rates of $1,988 per year or less.

Car insurance rates for this segment in Honolulu starts at around $142 per month, depending on the company and where you live. The rate comparison table below ranks the twenty pickups with the most affordable average car insurance rates in Honolulu, starting with the Chevrolet Colorado at $1,702 per year ($142 per month) and ending with the Ram Truck at $2,234 per year ($186 per month).

Cheapest Pickups to Insure in Honolulu
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,702$142
Nissan TitanFull-size$1,808$151
Nissan FrontierMidsize$1,830$153
Ford RangerMidsize$1,846$154
Ford MaverickMidsize$1,876$156
Honda RidgelineMidsize$1,918$160
Hyundai Santa CruzMidsize$1,950$163
Toyota TacomaMidsize$1,958$163
GMC Sierra 2500 HDHeavy Duty$1,966$164
GMC CanyonMidsize$1,988$166
Jeep GladiatorMidsize$2,038$170
GMC Sierra 3500Heavy Duty$2,048$171
Chevrolet Silverado HD 3500Heavy Duty$2,066$172
Chevrolet Silverado HD 2500Heavy Duty$2,122$177
GMC SierraFull-size$2,134$178
Chevrolet SilveradoFull-size$2,138$178
Nissan Titan XDHeavy Duty$2,138$178
Ford F150Full-size$2,164$180
GMC Hummer EV PickupFull-size$2,220$185
Ram TruckFull-size$2,234$186

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Honolulu, HI Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Honolulu, HI, with the Chevrolet Colorado ranking first at $1,702 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Honolulu, HI, with the Chevrolet Colorado ranking first at $1,702 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see insurance rates for your pickup? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Honolulu car insurance quotes from top-rated companies in Hawaii.

Cheapest sports cars to insure in Honolulu

The top-ranked model in Honolulu for cheapest average insurance in the sports car segment is the Mazda MX-5 Miata, at an average of $1,790 per year. Second place is the Toyota GR86 costing $2,038 per year, the third most affordable is the Ford Mustang, costing an average of $2,124 per year, and the fourth cheapest is the BMW Z4, costing an average of $2,136 per year.

Not the cheapest sports cars to insure, but still very reasonable, are models like the Nissan Z, BMW M2, Subaru BRZ, and Lexus RC F, with average insurance cost of $2,312 per year or less.

Some additional vehicles that rank well include the Porsche 911, BMW M4, Lexus LC 500, and Chevrolet Camaro, which average between $2,312 and $3,274 per year for insurance.

From a monthly standpoint, full-coverage auto insurance in this segment can cost as low as $149 per month, depending on your location.

The rate comparison table below ranks the twenty sports cars with the most affordable auto insurance rates in Honolulu, starting with the Mazda MX-5 Miata at $1,790 per year and ending with the Porsche Taycan at $3,274 per year.

Cheapest Sports Cars to Insure in Honolulu
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,790$149
Toyota GR86Sports Car$2,038$170
Ford MustangSports Car$2,124$177
BMW Z4Sports Car$2,136$178
Subaru WRXSports Car$2,166$181
Toyota GR SupraSports Car$2,172$181
BMW M2Sports Car$2,234$186
Nissan ZSports Car$2,240$187
Lexus RC FSports Car$2,284$190
Subaru BRZSports Car$2,312$193
BMW M3Sports Car$2,442$204
Porsche 718Sports Car$2,490$208
Chevrolet CamaroSports Car$2,510$209
Chevrolet CorvetteSports Car$2,676$223
Porsche 911Sports Car$2,770$231
BMW M4Sports Car$2,886$241
Lexus LC 500Sports Car$2,900$242
Jaguar F-TypeSports Car$3,050$254
Mercedes-Benz AMG GT53Sports Car$3,200$267
Porsche TaycanSports Car$3,274$273

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Honolulu, HI Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Honolulu, HI, with the Mazda MX-5 Miata ranking first at $1,790 per year.
Ranking of the cheapest sports cars to insure in Honolulu, HI, with the Mazda MX-5 Miata ranking first at $1,790 per year.

Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Hawaii.

Cheapest luxury cars to insure in Honolulu

In our comparison, the top five most affordable luxury cars to insure in Honolulu are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Average rates for for these five cars range from $1,718 to $2,000 per year.

Also ranking well are luxury cars like the Cadillac CT4, Lexus RC 300, Lexus ES 350, and Genesis G70, with an average car insurance cost of $2,032 per year or less.

Some additional vehicles that make the list include the Audi S3, Jaguar XF, Cadillac CT5, BMW 228i, and Lexus RC 350, which cost between $2,032 and $2,168 per year to insure in Honolulu.

Auto insurance rates for this segment in Honolulu for a middle-age safe driver can cost as low as $143 per month, depending on your location and insurance company.

The most affordable compact luxury car to insure in Honolulu is the Acura Integra at $1,718 per year. For midsize luxury models, the Mercedes-Benz CLA250 is cheapest to insure at $1,990 per year. And for large luxury cars, the Audi A5 is cheapest to insure at $2,298 per year.

The table below ranks the luxury cars with the cheapest car insurance in Honolulu, starting with the Acura Integra at $1,718 per year and ending with the Audi S3 at $2,168 per year.

Cheapest Luxury Cars to Insure in Honolulu
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,718$143
BMW 330iCompact$1,968$164
Mercedes-Benz CLA250Midsize$1,990$166
Lexus IS 300Midsize$1,992$166
Acura TLXCompact$2,000$167
Cadillac CT4Compact$2,018$168
Lexus ES 350Midsize$2,018$168
Genesis G70Compact$2,024$169
Mercedes-Benz AMG CLA35Midsize$2,026$169
Lexus RC 300Midsize$2,032$169
Lexus IS 350Compact$2,040$170
Jaguar XFMidsize$2,046$171
Cadillac CT5Midsize$2,084$174
Lexus ES 250Midsize$2,092$174
Lexus RC 350Compact$2,098$175
BMW 330eCompact$2,100$175
BMW 228iCompact$2,102$175
BMW 230iCompact$2,120$177
Lexus ES 300hMidsize$2,122$177
Audi S3Compact$2,168$181

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Honolulu, HI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Honolulu, HI, with the Acura Integra ranking first at $1,718 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Honolulu, HI, with the Acura Integra ranking first at $1,718 per year.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see rates for your luxury car? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Honolulu car insurance quotes from top-rated companies in Hawaii.

Cheapest luxury SUVs to insure in Honolulu

Taking the top ranking in Honolulu for cheapest average insurance rates in the luxury SUV segment is the Acura RDX, at $1,616 per year. Second place is the Lexus NX 250 costing $1,710 per year, ranking third is the Cadillac XT4, costing an average of $1,744 per year, and ranking fourth is the Jaguar E-Pace, costing an average of $1,808 per year.

Some other luxury SUVs that rank well in our comparison are the Lexus NX 450h, Lincoln Corsair, Lexus NX 350h, and Mercedes-Benz GLB 250, with an average cost of $1,864 per year or less.

As a cost per month, car insurance rates on this segment in Honolulu for a good driver starts at an average of $135 per month, depending on where you live.

The table below ranks the luxury SUVs with the lowest-cost car insurance in Honolulu, starting with the Acura RDX at $1,616 per year and ending with the Lexus RX 350 at $1,940 per year.

Cheapest Luxury SUVs to Insure in Honolulu
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,616$135
Lexus NX 250Compact$1,710$143
Cadillac XT4Compact$1,744$145
Jaguar E-PaceMidsize$1,808$151
Cadillac XT5Midsize$1,824$152
Lexus NX 350hCompact$1,824$152
Lincoln CorsairCompact$1,846$154
Mercedes-Benz GLB 250Compact$1,850$154
Lexus UX 250hCompact$1,854$155
Lexus NX 450hCompact$1,864$155
Infiniti QX50Midsize$1,880$157
Mercedes-Benz GLA250Compact$1,886$157
Cadillac XT6Midsize$1,892$158
Mercedes-Benz GLA35 AMGCompact$1,892$158
Infiniti QX60Midsize$1,902$159
Mercedes-Benz AMG GLB35Midsize$1,904$159
Land Rover EvoqueCompact$1,930$161
Acura MDXMidsize$1,932$161
Lexus NX 350Compact$1,940$162
Lexus RX 350Midsize$1,940$162

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Honolulu, HI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Honolulu, HI, with the Acura RDX ranking first at $1,616 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Honolulu, HI, with the Acura RDX ranking first at $1,616 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see your luxury SUV in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Honolulu car insurance quotes from top companies in Hawaii.

Best practices for saving money on auto insurance

Honolulu drivers should always be searching for ways to save money on car insurance So take a minute to read through the savings concepts in this next list to see if you can save a few bucks on your next policy purchase.

  • Pay small claims out-of-pocket. Most car insurance companies offer discounts for not having any claims. Auto insurance should be used in the case of significant claims, not for small claims.
  • Earn discounts to save money. Discounted rates may be available if the insured drivers are homeowners, are good students, choose electronic billing, insure their home and car with the same company, are senior citizens, or many other discounts which could save the average Honolulu driver as much as $330 per year on car insurance.
  • Reduce coverage on older cars. Dropping comprehensive and collision coverage from vehicles whose value has dropped to the point where coverage is not cost effective can trim the cost considerably.
  • Bring up your credit score to save money. Having a high credit rating of over 800 could save up to $304 per year compared to a decent credit rating of 670-739. Conversely, a poor credit score could cost as much as $352 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Avoid tickets to save money. In order to get cheap car insurance in Honolulu, it’s necessary to not be an aggressive driver. Just a few speeding tickets could result in raising policy cost by up to $516 per year. Serious misdemeanor violations like DUI/DWI and felony use of a motor vehicle could raise rates by an additional $1,796 or more.