Honolulu car insurance costs about $147 a month ($1,760 a year) for full coverage, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Hawaii average of $148 a month. GEICO has the lowest full-coverage average of the five major insurers we compared (21st Century, Allstate, GEICO, Liberty Mutual and State Farm), at about $89 a month. Shopping for cheap car insurance in Honolulu? Car insurance quotes here vary far more by insurer than by neighborhood, so compare auto insurance quotes from several companies.
Our Honolulu figures cover the 11 ZIP codes with a Honolulu mailing address that we price, from downtown’s 96813 to Hawaii Kai’s 96825, and all 11 come out the same for our benchmark driver: $1,760 a year for full coverage and $583 for liability-only coverage at 20/40/10 limits. The Census Bureau’s maps put 96821 and 96825 in East Honolulu, which counted 50,922 residents in the 2020 census, and 96816, 96817, 96819 and 96822 in Urban Honolulu, which counted 350,964.
Our rate data doesn’t include three other ZIP codes the Census Bureau’s maps place in Urban Honolulu: 96820, 96848 and 96850. If your car is garaged in one of them, our city table, which lists all 36 Hawaii cities and towns we price, shows the other Oahu figures.
Cost data comes from the auto rates insurers file with state regulators, priced across all 11 Honolulu ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Honolulu, HI?
Car insurance in Honolulu, HI, costs about $147 a month ($1,760 a year) for full coverage in all 11 ZIP codes we price, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $583 a year ($49 a month), and 50/100/50 liability with comprehensive and collision averages $1,684 ($140 a month).
- Full coverage (100/300/100, $500 deductibles): $1,760 a year ($147 a month)
- 50/100/50 with $500 deductibles: $1,684 a year ($140 a month)
- Liability only (20/40/10): $583 a year ($49 a month)
- Honolulu County (Oahu): $1,764 a year ($147 a month) for full coverage
- Hawaii average: $1,773 a year ($148 a month) for full coverage
Cheapest Car Insurance in Honolulu, HI: Companies Compared
Looking for the cheapest car insurance in Honolulu, HI? The answer depends more on the insurer than on the neighborhood. Every Honolulu ZIP code we price has the same six full-coverage averages, from about $89 to $203 a month, and GEICO has the lowest of the six.
- Lowest average in our data, full coverage: GEICO, at about $89 a month ($1,073 a year).
- Next lowest any driver can buy: 21st Century, at about $128 a month, then Allstate at $161.
- Military families: USAA averages about $119 a month, but only for eligible members.
- Liability only (20/40/10): about $30 to $63 a month across the five insurers anyone can buy from.
- Also on our list: Farmers at about $135 a month, Progressive at $140 and Island Insurance at $146.
- Most expensive in our data: Liberty Mutual, at about $203 a month, $1,357 a year more than GEICO for the same driver and car.
Six of the seven published 2026 statewide Hawaii rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, which sells only to military families; one ranks Progressive first. For liability-only coverage at 20/40/10 limits, averages run from about $30 to $63 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Honolulu
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $354 | $30 | $1,073 | $89 |
| USAA (military families) | $433 | $36 | $1,425 | $119 |
| 21st Century | $585 | $49 | $1,533 | $128 |
| Allstate | $689 | $57 | $1,930 | $161 |
| State Farm | $760 | $63 | $2,169 | $181 |
| Liberty Mutual | $679 | $57 | $2,430 | $203 |
| Farmers* | $690 | $58 | $1,625 | $135 |
| Progressive* | $760 | $63 | $1,683 | $140 |
| Island Insurance* | $595 | $50 | $1,754 | $146 |
| Honolulu average | $583 | $49 | $1,760 | $147 |
This table uses Honolulu ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Honolulu?
Raising liability limits from 50/100/50 to 100/300/100 adds about $76 a year on average in our Honolulu data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. USAA charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Honolulu?
Yes, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Honolulu ZIP codes, their full-coverage average rose from $1,598 a year nine months earlier to $1,626 in rates as of Aug. 31, 2026, a 1.8% increase. GEICO raised its average 3.6%, USAA 3.6% and State Farm 2.5%, while 21st Century’s and Allstate’s averages were unchanged. Liberty Mutual is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Honolulu average above. Liability-only coverage at 20/40/10 limits rose 13.3%, led by GEICO, which raised its liability-only average 22.5%.
Is Car Insurance More Expensive in Honolulu Than the Rest of Hawaii?
Not in our data. Honolulu’s $147 a month is about the Hawaii average and about $15 a month less than the Big Island, where every ZIP code we price averages $162. Maui County, at $143, and Kauai, at $130, are the only two of the four counties we price that cost less than Honolulu for our benchmark driver.
Within Oahu, Honolulu’s 11 ZIP codes are the least expensive of the 25 Oahu ZIP codes we price, but only by a few dollars a year: 21st Century charges our driver $1,533 a year in Honolulu ZIP codes and $1,560 everywhere else on the island, while GEICO’s Honolulu figure is $4 higher. Neither difference changes the monthly average much, so your insurer choice matters far more than your Honolulu neighborhood.
Registering and Inspecting a Car in Honolulu
The City and County of Honolulu handles vehicle registration and titling at its Ala Moana, Downtown, Hawaii Kai and Kapalama satellite city halls, and its Kapahulu office runs road tests and VIN checks, according to the city’s Department of Customer Services. A car shipped to Oahu needs a Hawaii registration or an out-of-state permit within 30 days of arriving, according to the department.
How Honolulu Car Insurance Compares With Other Hawaii Cities
More Hawaii cities and towns are in the Hawaii rates by city table, and you can compare states on our car insurance rates by state page.
Kaneohe, about seven miles northeast on the windward side, averages $147 a month, and Kailua, about nine miles northeast, $147. Pearl City, to the northwest, averages $147, and Waipahu and Kapolei, both to the west, average $149 and $147. For the island-by-island picture, see our guide to Hawaii car insurance rates.
What Car Insurance Is Required in Honolulu?
Drivers in Honolulu follow Hawaii’s rules. For new and renewal policies effective on or after Jan. 1, 2026, every policy must include at least:
- Liability coverage of $40,000 per person and $80,000 per crash for injuries and $20,000 for property damage (40/80/20)
- Personal injury protection of $10,000 per person for your own medical and rehabilitation costs, whoever caused the crash
- Uninsured and underinsured motorist coverage at your bodily injury limits, unless you reject it in writing
Our liability-only prices use 20/40/10 limits, the minimum before 2026, with 20/40 uninsured and underinsured motorist coverage, so a policy that meets today’s 40/80/20 minimum will generally cost more than our liability-only figures. Our Hawaii requirements guide covers proof of insurance, the no-fault rules and the penalties for driving uninsured.
Honolulu drivers who keep a car registered on Oahu also need current proof of Hawaii insurance at each safety inspection, according to the City and County of Honolulu.
How to Lower Your Car Insurance Rate in Honolulu
- New to Oahu? Line up coverage first. A car brought to Oahu needs a Hawaii registration or an out-of-state permit within 30 days of its arrival, according to the City and County of Honolulu, so compare Hawaii quotes before your car arrives.
- Quote several insurers. In our Honolulu data, the lowest and highest averages among insurers anyone can buy from are about $114 a month apart for the same driver and car.
- Ask about optional coverage. Hawaii insurers must offer optional coverages, including physical damage coverage for your own car, wage-loss and death benefits, funeral expenses and PIP deductibles, under HRS § 431:10C-302. Our full-coverage prices include collision and comprehensive with $500 deductibles.
- Compare at every renewal. Over the past nine months, GEICO has raised its average 3.6%, USAA 3.6% and State Farm 2.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Honolulu, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Honolulu Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 66 full-coverage premiums from six insurers across 11 Honolulu ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use. Hawaii law bars insurers from basing rates on age, sex, marital status, length of driving experience or credit.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/10 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Hawaii’s minimum has been 40/80/20 for new and renewal policies effective on or after Jan. 1, 2026, so our liability-only prices use lower limits than the law requires. Every Hawaii policy must also include at least $10,000 per person in personal injury protection; the requirements section of this page explains what it pays.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. In Honolulu, GEICO’s full-coverage average is 30.0% below 21st Century’s ($1,073 and $1,533 a year), a little wider than that, but six of the seven published 2026 statewide Hawaii rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, so we name it for full coverage and show the range of prices for liability-only coverage. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Liberty Mutual is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers, including USAA, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Hawaii rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Hawaii law and the Hawaii Insurance Division. We refresh these figures when new rate data is released.
Honolulu Car Insurance FAQ
For our benchmark driver, full coverage in Honolulu averages about $147 a month ($1,760 a year) and liability-only coverage at 20/40/10 limits about $49 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Hawaii average of $148 a month.
GEICO has the lowest full-coverage average in our Honolulu rate data, at about $89 a month, followed by 21st Century at $128 among insurers anyone can buy from. USAA, which sells only to military families, averages about $119 a month. For liability-only coverage at 20/40/10 limits, averages run from about $30 to $63 a month. Six of the seven published 2026 statewide Hawaii rate studies we reviewed rank GEICO cheapest for full coverage, apart from USAA; one ranks Progressive first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Cheaper than the Big Island and about $4 a month more than Maui County, for our benchmark driver. Honolulu full coverage averages about $147 a month, compared with $162 in every Big Island ZIP code we price and $143 in Maui County. Kauai is the least expensive of the four counties we price, at $130.
Not for our benchmark driver. All 11 Honolulu ZIP codes we price, from downtown (96813) to Hawaii Kai (96825), average $1,760 a year ($147 a month) for full coverage, and each of the six insurers charges the same price in all of them. Your own price still depends on your car, driving record and coverage.
In our Honolulu data, full coverage (100/300/100 with $500 deductibles) averages about $147 a month and liability-only coverage at 20/40/10 limits about $49, a difference of about $98 a month ($1,177 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Hawaii law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Honolulu follow Hawaii law: for new and renewal policies effective on or after Jan. 1, 2026, at least $40,000 per person and $80,000 per crash for injuries and $20,000 for property damage (40/80/20), plus $10,000 per person in personal injury protection. Uninsured and underinsured motorist coverage comes with the policy unless you reject it in writing, and you must keep your insurance card in the car or on your phone.
Yes, for our benchmark driver. Comparing the five insurers in both sets of rates (Liberty Mutual is new over the past nine months), their Honolulu full-coverage average rose 1.8%, from about $1,598 to $1,626 a year. That’s lower than the Honolulu average of $1,760 because it leaves out Liberty Mutual. GEICO raised its average 3.6%, USAA 3.6% and State Farm 2.5%. Liability-only coverage at 20/40/10 limits rose 13.3%.
For our benchmark driver, full coverage in Honolulu averages about $147 a month. Nearby, Kaneohe averages about $147, Pearl City about $147 and Kailua about $147. Honolulu is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
