Cheap Car Insurance in Honolulu, Hawaii

Looking to learn more about Honolulu and how to get cheap car insurance? Well, 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.

Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance in Honolulu. Let us compare car insurance quotes for you now!

Driving Conditions in Honolulu

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 in Honolulu

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 in Honolulu

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.

While in 2015 Honolulu, authorities reported 4,284 burglaries, 22,930 larcenies and 3,871 vehicle thefts, according to the FBI.

Safety Requirements in Honolulu

Seat Belt Law

In Hawaii,

all front-seat and back-seat occupants in a vehicle must wear seat belts, according to the state Department of Transportation. In addition, children under 4 must ride in a child safety seat, and children between 4 and 8 must ride in either a child safety seat or a booster seat. Violators must attend a four-hour class and may be fined $100 to $500.

Distracted Driving Law

State law prohibits the use of handheld mobile electronic devices while driving, as well as when a vehicle is at a stoplight or stop sign, according to the state Department of Transportation. Additionally, a driver under 18 cannot use a hands-free mobile electronic device. Fines start at $257.

Helmet Law

Motorcycle operators and passengers under age 18 must wear a helmet; operators and passengers 18 and over aren’t required to wear a helmet. 

All children under 16 must wear a helmet when cycling.

Impaired Driving Law

In Hawaii, a driver 21 and over is classified as drunk (sometimes known as operating a vehicle under the influence of an intoxicant, or OVUII) if he or she has a blood alcohol concentration (BAC) of at least 0.08 percent. The BAC limit drops to 0.04 percent for drivers of commercial vehicles and to zero percent for drivers under 21. 

A first-time DUI offender faces a jail sentence of 48 hours to five days, a fine of $150 to $1,000, and 72 hours of community service. In addition, the offender’s license is suspended for 90 days. Also, a first-time offender must go through a 14-hour substance abuse rehab program and pay a $25 surcharge.

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Car Insurance Honolulu, Hawaii Agents

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  • Erick Ellgren


    1806 S King St Ste 32
    Honolulu, HI 96826
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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
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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.

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Auto body shops Honolulu, Hawaii

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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