🚗 Car insurance cost in Honolulu, HI (2026)
Estimated average: $1,610 per year — -25% vs. the U.S. average of $2,150.
$1,610
Est. car insurance in Honolulu
per year
$1,548
Hawaii average
$2,150
U.S. average
343,421
Population
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Honolulu car insurance estimator
Estimated$2,818/year
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Honolulu car insurance FAQ
How much is car insurance in Honolulu, HI?
The estimated average is $1,610 per year — above the state average (+4% vs. the Hawaii average of $1,548, and -25% vs. the U.S. average).
Is car insurance more expensive in Honolulu than elsewhere in Hawaii?
Honolulu has about 343,421 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Honolulu?
Compare at least three quotes from insurers active in Honolulu, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.