CheapCarInsurance.net

Cheap Car Insurance in Honolulu, HI

GEICO is cheapest of the 5 insurers we compared in Honolulu: $89/mo full coverage, $30 liability only. Same prices in all 11 ZIPs (Sept. 2026 rates).

Cheap car insurance in Honolulu, HI starts with GEICO: among the 5 insurers we compared, it undercuts the other four ranked companies at all three coverage levels, from $89 a month for full coverage. Next in line is 21st Century at $127 ($38 more), followed by Allstate ($161), State Farm ($181) and Liberty Mutual ($203). GEICO also sells the cheapest Liability Only 20/40/10 policy at $30, though that package sits under Hawaii’s current limits.

The twist in Honolulu: every one of the 11 ZIP codes with a price returned the same number from each insurer, which puts the six-insurer full-coverage average at $147 a month ($1,769 a year) everywhere in the city we priced. With no ZIP code to single out, the useful comparison is between companies. Hawaii also doubled its required liability limits on policies that start or renew from Jan. 1, 2026.

Small sample: USPS lists 41 ZIP codes with Honolulu as the primary city. Prices exist for 11, all in Honolulu County, and 30 came back empty, so nothing below speaks for them. Page updated Nov. 2, 2026. The data vendor is Quadrant Information Services, and its figures describe one modeled driver at rates as of Sept. 30, 2026, so read them as benchmarks instead of offers. How we priced Honolulu

Cheapest Car Insurance in Honolulu: GEICO at Each Coverage Level

Honolulu’s lowest price at each level, five insurers ranked

Full coverage (100/300/100, $500 deductibles)

GEICO

$89/mo

$1,073 a year. Next: 21st Century, $127.

Mid package: 50/100/50, $500 deductibles

GEICO

$82/mo

$985 a year. Next: 21st Century, $124.

Reaches Hawaii’s liability limits

Liability Only 20/40/10

GEICO

$30/mo

$354 a year. Next: 21st Century, $48.

Below Hawaii’s 2026 liability limits

USAA is priced but left out of the ranking because it is restricted to military service members and their relatives. In Honolulu it charges $124 for full coverage, $124 for 50/100/50 and $37 for Liability Only 20/40/10: above GEICO each time, so GEICO’s lead survives with USAA counted. More on USAA.

GEICO’s $30 Liability Only price would not satisfy Hawaii’s rules

The package we priced carries 20/40/10 liability, half of each of Hawaii’s 40/80/20 limits, and no tier in our data includes the personal injury protection Hawaii also requires ($10,000 or more). To see a Honolulu price that reaches the liability limits, use the 50/100/50 figure: GEICO charges $82 a month.

Honolulu vs. Hawaii: GEICO $89 Here, $93 Statewide

GEICO leads on the Hawaii page too. Our cheap car insurance in Hawaii guide prices 46 ZIP codes in four counties, and there GEICO beats the other four ranked insurers in every one of them at every level. Honolulu’s numbers land close to the statewide ones:

Honolulu and statewide monthly prices side by side (averages include USAA)
Price Honolulu Hawaii Difference
Six-insurer average, full coverage $147 $148 −$1
GEICO, full coverage $89 $93 −$4
GEICO, Liability Only 20/40/10 $30 $28 +$2
ZIP codes counted 11 46

The Hawaii page’s Honolulu County line is broader than ours: 25 ZIP codes instead of 11, showing $148 for full coverage, $141 for 50/100/50 and $49 for Liability Only. Between counties the gap is larger; that page puts full coverage at $131 for Kauai County against $163 for Hawaii County.

Hawaii’s 40/80/20 Limits and the 20/40/10 Tier We Priced

Under the Hawaii Insurance Division’s FAQ, a policy that begins or renews on or after Jan. 1, 2026 needs liability of 40/80/20, double the earlier 20/40/10. That means $40,000 toward injuries to any one person, an $80,000 cap on all injuries from a single accident, and $20,000 for damage to property. The Liability Only tier we priced keeps the older 20/40/10, so it falls short on all three; 50/100/50 clears them. The limits are listed in this Insurance Division FAQ.

Hawaii’s required amounts next to two of our packages
Pays for Liability Only 20/40/10 Required 50/100/50
One person hurt $20,000 $40,000 $50,000
All hurt in one accident $40,000 $80,000 $100,000
Damaged property $10,000 $20,000 $50,000
PIP (injury cover for you) Left out $10,000 or more Left out
Meets liability limits? No Required Yes

Car Insurance Quotes in Honolulu: The Cheapest Company at Each Level

GEICO wins all three levels and 21st Century is runner-up every time; the order behind them moves. Above GEICO’s full-coverage price, Allstate adds $72 a month, State Farm $92 and Liberty Mutual $114. At 50/100/50 the extras are $70, $88 and $112. For Liability Only 20/40/10, Allstate and Liberty Mutual each add $27 and State Farm $33. Against the six-insurer average of $147 for full coverage, GEICO’s $89 is $58 lower.

Compare Honolulu Car Insurance Quotes by ZIP Code

Please provide a valid zip code.

Car Insurance Honolulu HI: Prices by Company

Each of the five ranked insurers has a price in all 11 ZIP codes, and because the ZIP codes agree, each company has one Honolulu price per level. They are sorted by full-coverage price, lowest first.

Monthly cost by insurer in Honolulu; the bracketed figure is the annual price
Insurer Full 50/100/50 Liability 20/40/10
GEICO $89 [$1,073] $82 [$985] $30 [$354]
21st Century $127 [$1,527] $124 [$1,490] $48 [$580]
Allstate $161 [$1,930] $152 [$1,825] $57 [$689]
State Farm $181 [$2,169] $170 [$2,034] $63 [$760]
Liberty Mutual $203 [$2,430] $194 [$2,328] $57 [$679]
Six-insurer city average (USAA included) $147 $141 $49

Where the order changes

Behind GEICO and 21st Century, full coverage and 50/100/50 share one order: Allstate, State Farm, Liberty Mutual. Liability Only shuffles it. Liberty Mutual and Allstate both round to $57 a month, with Liberty Mutual $10 a year lower, and State Farm’s $63 is the highest of the five.

A note on USAA

Only military members and their relatives can buy USAA, so we price it but never rank it or call it cheapest. Its Honolulu averages are $124 a month for full coverage ($1,482 a year), $124 at 50/100/50 ($1,491) and $37 for Liability Only 20/40/10 ($449), which is $35, $42 and $7 a month above GEICO. One oddity: its 50/100/50 yearly price runs $9 above its full-coverage price, and both appear as Quadrant returned them.

Car Insurance in Honolulu, HI by ZIP Code: Eleven Priced, All Alike

All 11 priced ZIP codes returned the same price from each insurer at every level, so no ZIP code is cheapest or priciest and there is nothing to rank. The six-insurer average is $147 a month for full coverage in each. The extra place names USPS gives some ZIP codes are shown as data.

GEICO’s monthly full-coverage price in each priced Honolulu ZIP code
ZIP code Other USPS labels GEICO
96813 Hon, Hono $89
96814 Hon, Hono $89
96815 Hon, Hono $89
96816 Hon, Hono $89
96817 Hon, Hono $89
96818 none $89
96819 Hon, Hono $89
96821 Hon, Hono $89
96822 Hon, Hono $89
96825 Hon, Hono $89
96826 Hon, Hono $89
All 11 ZIP codes Same prices in all eleven $89

Within each ZIP code the lowest ranked price for full coverage is GEICO’s $89 ($1,073 a year), so all 11 sit below $200 a month and below $150 too. They mark the cheapest options rather than a typical household’s cost; 21st Century, next among the ranked, charges $127.

Honolulu ZIP codes with no price

No insurer returned a quote for the other 30 ZIP codes that carry Honolulu as their primary city: 96801, 96802, 96803, 96804, 96805, 96806, 96807, 96808, 96809, 96810, 96811, 96812, 96820, 96823, 96824, 96828, 96830, 96836, 96837, 96838, 96839, 96840, 96841, 96843, 96844, 96846, 96847, 96848, 96849, 96850. The data gives no reason, and this page makes no claims about them.

Check What GEICO and 21st Century Charge for Your Honolulu Address

Please provide a valid zip code.

Choosing a Coverage Level in Honolulu: Liability Only, 50/100/50 or Full

Most of the added cost arrives at the first step. From Liability Only 20/40/10 to 50/100/50 the six-insurer average climbs from $49 to $141 a month (+$92), since 50/100/50 also insures your own car against collision and comprehensive losses and raises the liability limits. Full coverage tacks on only $6 more. GEICO’s steps are $52 and $7. Five of the six insurers charge less for 50/100/50 than for full coverage, by $3 (21st Century) up to $11 (State Farm); USAA is the exception. Lenders and lessors commonly require collision and comprehensive, and a 20/40/10 policy would not meet Hawaii’s law.

What Hawaii Law Requires of Honolulu Drivers

  • Liability: 40/80/20 for policies that are new or renewing on or after Jan. 1, 2026, per the Hawaii Insurance Division, twice the 20/40/10 that applied before.
  • Personal injury protection (PIP): injury cover for you on top of liability, required at $10,000 or more (same source). None is in our prices, so a Honolulu policy that adds it will cost more than the figures here.
  • Credit: Hawaii bars insurers from building a standard or rating plan on a person’s credit bureau rating (HRS 431:10C-207 and 431:10C-409; see the chart of state credit rules from the National Association of Insurance Commissioners).

Six Moves That Can Trim a Honolulu Car Insurance Bill

  1. Begin with GEICO’s quote. It beat every other ranked insurer in all 11 ZIP codes at all three levels, by $38 a month over the runner-up for full coverage.
  2. Get 21st Century’s number next. It is runner-up at every level: $127 for full coverage and $124 for 50/100/50.
  3. Hold every quote to 40/80/20 liability or higher. A 20/40/10 quote will look cheapest but cannot satisfy a new or renewing Hawaii policy.
  4. Request the same PIP amount everywhere. Hawaii requires $10,000 or more and our prices omit it, so totals only compare when each insurer includes one figure.
  5. Quote 50/100/50 and full coverage together. The gap is $7 a month at GEICO and $11 at State Farm.
  6. Enter the ZIP code of wherever the car stays overnight. Honolulu ZIP codes price alike here, so ZIP shopping within the city gains nothing, but county averages on the Hawaii page sit about $32 a month apart.

How to Line Up Honolulu Quotes Side by Side

The driver we modeled is not you, so quotes are only comparable if each one uses the same inputs:

  • Liability of 40/80/20 or more, on a policy starting or renewing on or after Jan. 1, 2026.
  • The same PIP amount.
  • Matching collision and comprehensive deductibles, drivers and vehicles.
  • The garaging ZIP code, and a full-year price rather than one month’s payment.

Start Your Honolulu Car Insurance Quote

Please provide a valid zip code.

How We Priced Honolulu Car Insurance

Our data vendor, Quadrant Information Services, feeds one fixed driver and one car into each insurer’s filed rates and logs the premium that comes back. The Honolulu results below are compared and averaged, all dated Sept. 30, 2026.

What you are charged will depend on your vehicle, record, limits and discounts; nothing on this page is a quote.

Honolulu Car Insurance Questions, Answered Plainly

Is $200 a month a lot for car insurance in Honolulu?

Yes, by our Honolulu numbers: $200 a month is $53 above the six-insurer full-coverage average of $147 and $111 above GEICO’s $89, and only Liberty Mutual ($203) charges more. In all 11 of 11 priced ZIP codes the cheapest ranked price is under $150, so well below $200. That reflects the cheapest option on offer, not a household average.

Who has the cheapest car insurance in Honolulu right now?

GEICO is first among the 5 insurers we compared, in all three of our packages and every priced ZIP code. Its rates as of Sept. 30, 2026 are $89 a month for full coverage, $82 for 50/100/50 and $30 for Liability Only 20/40/10. 21st Century follows at $127, $124 and $48.

Which is cheaper in Honolulu, GEICO or 21st Century?

GEICO. It is lower than 21st Century, the next-cheapest ranked insurer, at all three levels and in all 11 ZIP codes: $89 versus $127 for full coverage, $82 versus $124 at 50/100/50 and $30 versus $48 for Liability Only 20/40/10. Progressive does not appear in our Honolulu data, so 21st Century is the comparison.

Why is car insurance so expensive in Honolulu?

We can say how much, not the reason. Full coverage averages $147 a month across the six insurers, a dollar below Hawaii’s $148, with prices from GEICO’s $89 to Liberty Mutual’s $203. Hawaii requires 40/80/20 liability plus at least $10,000 of PIP, and PIP is absent from every figure we priced.

What is the minimum car insurance in Hawaii?

Hawaii’s required liability limits are 40/80/20 for policies that are new or renewing on or after Jan. 1, 2026: a $40,000 cap per person, $80,000 per accident and $20,000 for property, plus PIP of at least $10,000 (Hawaii Insurance Division). Our Liability Only 20/40/10 tier is below all three limits; 50/100/50 and full coverage are above them; no tier includes PIP.

Is 50/100/50 car insurance enough in Honolulu?

We can compare numbers, not give advice. 50/100/50 clears Hawaii’s three liability limits, and GEICO prices it at $82 a month in Honolulu: $7 below its $89 full-coverage price and $52 above its $30 Liability Only price. It omits the required PIP, so whether it suffices depends on your car, your savings and what a lender asks.

How much is full coverage car insurance in Honolulu?

Across the six insurers in the 11 priced ZIP codes, full coverage (100/300/100 limits, $500 deductibles) averages $147 a month, or $1,769 a year. Among the five ranked insurers it runs from GEICO’s $89 to Liberty Mutual’s $203, with 21st Century at $127, Allstate at $161 and State Farm at $181; USAA is $124.

Is liability coverage full coverage?

No, they differ. Liability responds to claims from people you injure or whose property you damage, while full coverage normally adds collision and comprehensive to repair or replace your own vehicle. GEICO’s Honolulu prices illustrate the gap: $30 a month for Liability Only 20/40/10 and $89 for full coverage. See the Insurance Information Institute for the definitions.

Why does every Honolulu ZIP code show the same price?

Each of the six insurers returned one price that repeats in all 11 ZIP codes we priced, which puts the six-insurer full-coverage average at $147 a month in every one. The data does not explain why. With no ZIP code to rank, we compare insurers instead; the Hawaii page shows how prices differ from county to county.

Why are only 11 Honolulu ZIP codes priced?

Only 11 of the 41 ZIP codes with Honolulu as their primary city returned prices; the other 30 returned none, beginning with 96801, 96802, 96803 and 96804. The data gives no reason, so every figure here describes the 11 priced ZIP codes, all in Honolulu County, and nothing broader.

Is USAA included in the Honolulu prices?

Yes in the averages, no in the ranking. USAA priced all 11 ZIP codes and counts toward the $147 city average, but it is limited to military members and relatives, so we never rank it or call it cheapest. Its Honolulu prices are $124 for full coverage, $124 at 50/100/50 and $37 for Liability Only 20/40/10, above GEICO each time.

Does my credit score affect car insurance prices in Honolulu?

Not under Hawaii law, which bars insurers from basing a standard or rating plan on a person’s credit bureau rating (HRS 431:10C-207 and 431:10C-409; see the NAIC chart). Our modeled driver has good credit, as in every state we priced, so these Honolulu figures describe one profile and not a credit tier.

What is the penalty for driving without insurance in Honolulu?

Hawaii’s HRS 431:10C-117 sets a $500 fine for a first offense and at least $1,500 for a repeat within 5 years. A court must either suspend the license for 3 months (1 year for a repeat) or order a 6-month policy, and a repeat can add up to 30 days in jail, plate suspension and impound.