Cheapest car insurance companies in Honolulu
Geico and Progressive have the cheapest car insurance premiums for Honolulu drivers in 2023, based on a data study by Insurance.com.
The car insurance company in Honolulu that provides the cheapest car insurance premiums is Geico, with an average annual rate of $1,124 .
The cost of car insurance in Honolulu varies depending on your ZIP code, driving history, coverage level, and carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in Honolulu.
| Companies | Average annual rates |
|---|---|
| Geico | $1,124 |
| USAA | $1,137 |
| Progressive | $1,289 |
| Farmers | $1,486 |
| Island Insurance | $1,795 |
| Allstate | $1,797 |
| State Farm | $1,976 |
Cheapest car insurance cost in Honolulu by Age Group
USAA is the cheapest option for car insurance in Honolulu for teen drivers, with average annual premiums at just $1,218 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.
For young drivers in Honolulu, USAA has the cheapest auto insurance rates, with an average annual cost of $1,137 annually.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Honolulu is Geico. Its average rate for a full coverage car insurance policy is $1,124 per year.
If you are a senior driver in Honolulu and looking for a cheap car insurance company, then consider buying insurance from Geico. It is the cheapest auto insurance company for senior drivers, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,124 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $1,218 | $1,137 | $1,137 | $1,137 |
| Geico | $1,263 | $1,152 | $1,124 | $1,124 |
| Farmers | $1,486 | $1,486 | $1,486 | $1,486 |
| Progressive | $1,755 | $1,289 | $1,289 | $1,289 |
| Island Insurance | $1,795 | $1,795 | $1,795 | $1,795 |
| Allstate | $1,957 | $1,797 | $1,797 | $1,797 |
| State Farm | $1,976 | $1,976 | $1,976 | $1,976 |
Cheapest car insurance companies in Honolulu by driver profile
When determining car insurance rates in Honolulu, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
Comparison shopping is the key to getting the cheapest car insurance rates in Honolulu. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
In Honolulu, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with a speeding ticket: Geico
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for drivers with a speeding ticket: Geico
Based on recent data analysis, 30-year-old drivers in Honolulu with speeding tickets on their driving record can get the cheapest car insurance rates from Geico at an annual cost of $1,049.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| Geico | $1,049 |
| State Farm | $1,238 |
| USAA | $1,275 |
| Farmers | $1,652 |
| Progressive | $1,833 |
| Allstate | $2,201 |
Cheapest auto insurance after an at-fault accident: State Farm
If you've had an accident, State Farm might be your best bet for affordable auto insurance.
For Honolulu drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,343. It's a great option if you're looking for affordable coverage that won't break the bank.
After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.
| Company | Average annual rates |
|---|---|
| State Farm | $1,343 |
| Geico | $1,469 |
| USAA | $1,488 |
| Progressive | $2,108 |
| Farmers | $2,428 |
| Allstate | $2,522 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the carrier that offers cheap auto insurance rates in Honolulu for drivers after a DUI. Its average annual rate for full coverage is $1,238.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,238 |
| Progressive | $2,543 |
| USAA | $2,686 |
| Farmers | $2,768 |
| Allstate | $4,523 |
| Geico | $11,981 |
Average car insurance cost in Honolulu
On average, Honolulu drivers pay $1,515 annually, or $126 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Honolulu is $422.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,515 | $422 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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