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

• Honolulu car insurance rates cost an average of $1,368 per year, or approximately $114 per month.
• Honolulu auto insurance costs an average of $12 per year more than the Hawaii state average rate and $515 per year less than the U.S. national average.
• Car insurance rates for a few popular models in Honolulu include the Toyota RAV4 at $1,258 per year, Nissan Sentra at $1,252, and Nissan Altima at $1,480.
• 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 $1,368 per year, which is 31.7% less than the national average rate of $1,883. Per month, Honolulu car insurance costs about $114 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.

The average cost of car insurance per month in Honolulu is $114, and ranges from $80 to $267 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 – $4,870 per year or $406 per month
• 17 year old – $4,718 per year or $393 per month
• 18 year old – $4,229 per year or $352 per month
• 19 year old – $3,851 per year or $321 per month
• 20 year old – $2,748 per year or $229 per month
• 30 year old – $1,460 per year or $122 per month
• 40 year old – $1,368 per year or $114 per month
• 50 year old – $1,212 per year or $101 per month
• 60 year old – $1,132 per year or $94 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.

Car insurance for a 16-year-old female driver in Honolulu costs an average of $323 less per year than the cost for a male driver, while at age 19, it still costs $596 less per year for females than males.

The cost to insure Honolulu drivers’ favorite vehicles

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.

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 $442 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 $1,536 per year cheaper than for a 20-year-old driver.
• Honolulu car insurance cost is less than the U.S. average – $1,368 (Honolulu average) compared to $1,883 (U.S. average)
• Honolulu car insurance prices are more expensive than the Hawaii state average – $1,368 (Honolulu average) versus $1,356 (Hawaii average)
• Cost per month ranges from $94 to $406 – 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 $3,255 to $4,870 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 $1,110 or less per year, or $93 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 $1,170 or less per year.

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

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 $1,256 or less per year.

Some other cars that have affordable insurance rates include the Kia K5, Honda Accord, Hyundai Ioniq 6, and Toyota Prius, with average annual insurance rates of $1,326 per year or less.

Auto insurance for this segment in Honolulu can cost as low as $99 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 $1,186 per year and ending with the Mazda 3 at $1,412 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 $1,010 per year, Chevrolet Trailblazer at $1,026 per year, Kia Soul at $1,064 per year, and Nissan Kicks at $1,072 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 $1,118 per year or less.

Car insurance rates in this segment can cost as low as $84 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 $1,010 per year, or $84 per month. For midsize models, the Honda Passport is cheapest to insure at $1,088 per year, or $91 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the best rates at $1,282 per year, or $107 per month.

The next table ranks the twenty SUVs with the lowest-cost car insurance rates in Honolulu, starting with the Subaru Crosstrek at $1,010 per year and ending with the Honda HR-V at $1,188 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 $1,168 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 $1,406 per year or less.

Car insurance rates for this segment in Honolulu starts at around $97 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 $1,168 per year ($97 per month) and ending with the Ram Truck at $1,580 per year ($132 per month).

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 $1,264 per year. Second place is the Toyota GR86 costing $1,438 per year, the third most affordable is the Ford Mustang, costing an average of $1,502 per year, and the fourth cheapest is the BMW Z4, costing an average of $1,510 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 $1,634 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 $1,634 and $2,314 per year for insurance.

From a monthly standpoint, full-coverage auto insurance in this segment can cost as low as $105 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 $1,264 per year and ending with the Porsche Taycan at $2,314 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 $1,214 to $1,412 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 $1,436 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 $1,436 and $1,530 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 $101 per month, depending on your location and insurance company.

The most affordable compact luxury car to insure in Honolulu is the Acura Integra at $1,214 per year. For midsize luxury models, the Mercedes-Benz CLA250 is cheapest to insure at $1,404 per year. And for large luxury cars, the Audi A5 is cheapest to insure at $1,616 per year.

The table below ranks the luxury cars with the cheapest car insurance in Honolulu, starting with the Acura Integra at $1,214 per year and ending with the Audi S3 at $1,530 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 $1,142 per year. Second place is the Lexus NX 250 costing $1,208 per year, ranking third is the Cadillac XT4, costing an average of $1,230 per year, and ranking fourth is the Jaguar E-Pace, costing an average of $1,278 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 $1,316 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 $95 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 $1,142 per year and ending with the Lexus NX 350 at $1,370 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 $234 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 $215 per year compared to a decent credit rating of 670-739. Conversely, a poor credit score could cost as much as $249 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 $362 per year. Serious misdemeanor violations like DUI/DWI and felony use of a motor vehicle could raise rates by an additional $1,268 or more.