Part of our Hawaii auto insurance report — statewide rates & carrier rankings.

TLDR
  • Honolulu averages ~$1,500/year for full coverage — -38% vs. the national average
  • Erie Insurance and American Family are consistently among the cheapest carriers in this market
  • Rate spreads are wide — cheapest carrier can be 40–60% below the most expensive for the same profile
  • Hawaii requires $20,000 PIP + $40,000/$10,000 BI/PD (no-fault) — minimums leave significant gaps for most drivers
  • Rates are rising in 2026 — shopping at renewal is the single highest-ROI move most drivers can make

Honolulu drivers pay roughly $1,500/year for full coverage — -38% below the national average, making it one of the more affordable major metro markets in the country. Carriers compete hard here, and switching at renewal can still save hundreds.

Within Hawaii, the Honolulu metro runs differently from rural parts of the state. Urban density increases accident probability, and theft and vandalism rates are higher in most metro cores. Carriers price these risks into their Honolulu rates regardless of an individual driver’s record.

How to find the cheapest carrier in Honolulu

The single most important thing a Honolulu driver can do is compare rates at every renewal. Carriers update their pricing models frequently, and the cheapest option last year may not be cheapest today. The spread between the highest and lowest rate for the same driver profile is typically 40–60% in this market — that’s hundreds of dollars per year on the table.

Hawaii coverage rule: Hawaii requires $20,000 PIP + $40,000/$10,000 BI/PD (no-fault). These are legal minimums — full coverage (comprehensive + collision) provides substantially better protection for most Honolulu drivers.

Compare rates in Honolulu

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Frequently asked questions

What is the cheapest car insurance company in Honolulu?
For Honolulu drivers with clean records, Erie Insurance and American Family are frequently the most competitive. Auto-Owners is also worth comparing. Enter your ZIP above to see current rankings for your specific location — rates vary across Hawaii.

What are the minimum auto insurance requirements in Hawaii?
Hawaii requires $20,000 PIP + $40,000/$10,000 BI/PD (no-fault). These are legal minimums — full coverage (comprehensive + collision) is worth the additional premium for most Honolulu drivers.

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