Cheap Car Insurance in Honolulu, Hawaii

The state capital of Hawaii is known for its friendly people, sandy shores and scenic parks. Honolulu offers warm, pleasant weather throughout much of the year. Tourists enjoy visiting a variety of interesting museums and historic sites. They can see the nation's only royal palace in Honolulu, according to the University of Hawaii. The city's unique culture features a mix of Asian and American influences.

Driving Conditions

Hawaii's largest city remains a relatively safe place to drive. However, its coastal location increases the number of weather-related hazards. Tropical storms can cause street flooding and limit visibility. Rockslides occasionally force authorities to close highways in other parts of Oahu. Drunk drivers also present a serious danger to the public. The Honolulu Police Department reports that alcohol and other drugs contributed to 477 car accidents in 2012.

Odd or Unique Laws

Some Hawaiian traffic laws differ from those of other states. For example, a solid white line means that it's dangerous to switch lanes. The width of this line varies depending upon the risk level, according to the state website. Drivers are permitted to cross solid white lines under "unusual circumstances." Unlike many states, Hawaii only requires people to notify police of accidents that cause injuries or at least $3,000 in damage.

Crime Statistics

The Honolulu Police Department reported that 31,668 property crimes occurred in the city during 2010. Thieves stole about 3,900 automobiles, and there were over 8,700 incidents involving the theft of vehicle accessories or personal property in cars. Like most major cities, Honolulu experiences numerous auto collisions. A total of 21,682 traffic accidents took place in 2010, according to the police. This figure includes almost 5,200 major crashes.

Safety Requirements

The Aloha State enforces strict traffic safety laws. Its transportation department warns that Hawaii does not allow people to text, talk on cellphones or use portable electronics while driving. Hawaii also requires all drivers and passengers to use safety belts. Motorcyclists must wear helmets until they reach the age of 18, according to the Centers for Disease Control and Prevention.

Impaired Driving Law

It's illegal to drive with a blood alcohol level of 0.08 or higher in Hawaii. Police consider drivers under the age of 21 to be intoxicated if they reach or exceed a blood alcohol level of 0.02. Upon conviction, inebriated motorists pay fines and lose their licenses for at least one year. Penalties range from $150 to $2,500. Repeat offenders face up to 30 days in jail, according to the state legislature. A motorist must complete an SR-22 insurance form before the state government will restore a revoked license.

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Car Insurance Honolulu, Hawaii Agents

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  • Erick Ellgren


    1806 S King St Ste 32
    Honolulu, HI 96826
    (808) 941-2886
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    Erick and staff has taken very good care of me in the insuring of my first home. They worked with both my lender and the mortgage company to get me through the process. Today I have combined all of my insurance needs into one policy. Thanks for the superior service guys!

  • Matthew Shido


    3221 Waialae Ave Ste 386
    Honolulu, HI 96816
    (808) 737-3500
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    Very convenient location and friendly people. Always enjoys dropping my payment off. Always go the extra mile to make sure I am happy.

  • Aaa Insurance
  • American Mutual Und
  • Andrew Ku
  • Anita Diniega
  • Atlas Insurance Agency
  • Bank Of Hawaii Insurance Services
  • Bradley Maruyama
  • Business Insurance Services
  • Cavanah Associates
  • Charmaine Yee-hollison
  • Cindy Perkins
  • Clay Yamada
  • Clyde & Lottie Chun
  • Colin Hiroshi Alos
  • Cynthia Leiko Frost
  • Dan Y W Au Hoy
  • Daren Suzuki
  • Dean Nomura
  • Dee Ann Lee
  • Doug Kam-young
  • Eunice Ching
  • Gary Nakamura
  • Gerald Lee
  • Gerald Yamane
  • Gwenette Higa
  • Herb Fujikawa
  • Ic International
  • Insurance Associates
  • Ivan Muraoka
  • Jerry Hay
  • Kelly Harada
  • Kevin Takahashi
  • King & Neel
  • Kirk Paterson
  • Larry Bolibol
  • Larry Welsch
  • Les Mitsuka
  • Marilyn Jacobe
  • Noguchi & Associates
  • Ray Kim
  • Ricky N Bonilla
  • Rory Lee
  • Rosten Y Tsuha Insurance Agency
  • Rtea Corporation
  • Sandy Gomes
  • Scott Saito
  • Servco Insurance Services
  • Sue Ann Lu
  • Valerie Nagaji
  • Wes Stewart
  • Christian Tervo
  • Hezekiah Gustason
  • Clayton Lapping
  • Cecil Ransdell
  • Dawn Nienow
  • Benny Chik
  • Tracy Burdette
  • Jagger Dittoe
  • Harold Nies
  • Sheena Evens
  • Carlos Schremp
  • Sammy Vanginkel
  • Dustin Sandra
  • Nizam Harloff
  • Tammie Rahner
  • Timothy Martinezlopez
  • Hassan Frangipane
  • Janis Mill
  • Cory Her
  • Brendan Streed

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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