Find Cheaper Rates on Honolulu Car Insurance

Even though it can be expensive, maintaining insurance serves a purpose in several ways.

First, almost all states have compulsory liability insurance requirements which means state laws require specific limits of liability insurance in order to be legal. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your vehicle, it's guaranteed your bank will force you to have full coverage to guarantee loan repayment. If the policy lapses, the bank may buy a policy for your vehicle at a much higher premium rate and force you to pay much more than you were paying before.

Third, car insurance protects both your vehicle and your personal assets. Insurance will also pay for all forms of medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of buying car insurance are definitely more than the cost, especially if you ever need it. According to a 2015 survey, the average American driver is overpaying more than $865 each year so you should quote your policy with other companies at least once a year to make sure the price is not too high.

Whether you pay cheap or expensive rates for car insurance depends on many different factors, but the average price for a policy in Honolulu is around $1,080 per year. Other states average about $1,250, so Honolulu residents pay roughly $12 less every month than other American drivers.

Auto insurance rates in Honolulu are calculated based upon many variables, and one of the largest considerations is the type of vehicle you own. The table below shows estimated prices for popular vehicles insured in Honolulu.

Auto Insurance Rates for Popular Vehicles in Honolulu
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 2WD $670 $335 $56
Chevrolet Equinox LS AWD $684 $342 $57
Chevrolet Impala LT $684 $342 $57
Chevrolet Silverado LS Crew Cab 2WD $784 $392 $65
Dodge Ram Quad Cab SLT 4WD $748 $374 $62
Ford Escape XLS 2WD $580 $290 $48
Ford F-150 XL Crew Cab 2WD $648 $324 $54
Ford Focus SE 2-Dr Coupe $768 $384 $64
Ford Fusion Sport AWD 4-Dr Sedan $784 $392 $65
Honda Accord LX 4-Dr Sedan $580 $290 $48
Honda CR-V EX 4WD $594 $297 $50
Honda Civic LX 4-Dr Sedan $706 $353 $59
Hyundai Elantra SE Touring Station Wagon $630 $315 $53
Jeep Wrangler Sport Islander Package 4WD 2-Dr $634 $317 $53
Mazda 3 S Grand Touring 4-Dr Sedan $736 $368 $61
Nissan Altima 3.5 SR 4-Dr Sedan $736 $368 $61
Nissan Rogue SL 2WD $732 $366 $61
Toyota Camry Hybrid $784 $392 $65
Toyota Corolla LE $720 $360 $60
Toyota Prius $646 $323 $54
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in specific Honolulu garaging location which can impact premium rates substantially.

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Impact of violations and accidents on rates

The information below demonstrates how citations and at-fault claims drive up auto insurance costs for different age categories. The rate quotes are based on a married male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Top 15 cheapest vehicles to insure in Honolulu, HI
Honda Fit
Hyundai Accent
Mini Cooper
Chrysler PT Cruiser
Honda Accord
Chevrolet Colorado
Hyundai Elantra
Ford Escape
Kia Rondo
Mazda MX-5 Miata
Mazda 5
Honda CR-V
Nissan Xterra
Jeep Wrangler
Ford F-150
Top 15 most expensive vehicles to insure in Honolulu, HI
Mercedes-Benz S65 AMG
Mercedes-Benz CL65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Mercedes-Benz CL550
Porsche 911
Porsche Panamera
TESLA Roadster
Chevrolet Corvette
Porsche Cayenne
Top 15 safest vehicles to insure in Honolulu, HI
Jeep Liberty
Ford Fusion
Chrysler Town and Country
Chevrolet Colorado
Buick Enclave
Subaru Outback
Audi Q7
Nissan Titan
GMC Sierra
Infiniti QX56
Volvo XC60
Chevrolet Silverado
Chevrolet Suburban
GMC Acadia
Jeep Grand Cherokee

Best reasons to buy car insurance in Hawaii

Even though it's not necessarily cheap to insure a vehicle in Honolulu, insurance is mandatory in Hawaii but it also protects more than you think.

First, most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability protection in order to license the vehicle. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your vehicle, almost all lenders will require you to have physical damage coverage to guarantee loan repayment. If the policy lapses, the bank or lender will purchase a policy for your vehicle at a more expensive rate and force you to pay for the much more expensive policy.

Third, car insurance preserves both your assets and your vehicle. It will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If mother nature or an accident damages your car, your policy will pay to restore your vehicle to like-new condition.

The benefits of buying car insurance outweigh the cost, especially with large liability claims. But the average driver in Hawaii is overpaying more than $750 every year so it's recommended you shop around each time the policy renews to ensure rates are inline.