Insurance Costs in Honolulu, HI
Auto insurance in Honolulu averages $1,354 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Honolulu, HI: What You Need to Know
Honolulu residents pay an average of $1,354 per year for full coverage auto insurance, which is 8.0% above the Hawaii state average and 19.1% below the national average.
With a population of 350,964, Honolulu is one of the largest cities in Hawaii. Higher population density, more traffic congestion, and increased accident risk all contribute to above-average insurance rates.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,354 | $113 |
| Standard Coverage (50/100/50) | $1,110 | $92 |
| State Minimum (20/40/10) | $569 | $47 |
Homeowners Insurance in Honolulu, HI
The average cost of homeowners insurance in Honolulu is $1,729 per year ($144/month), which is 5.0% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Honolulu, HI
Renters insurance in Honolulu averages $252 per year ($21/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Hawaii Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Pearl City | $1,191/yr | $1,601/yr |
How to Save on Insurance in Honolulu
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Honolulu can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Honolulu, HI?
The average cost of car insurance in Honolulu, HI is $1,354 per year for full coverage, or about $113 per month. Minimum coverage costs around $569 per year.
Is car insurance expensive in Honolulu?
Car insurance in Honolulu is relatively affordable compared to many U.S. cities.
How much is home insurance in Honolulu?
Homeowners insurance in Honolulu costs an average of $1,729 per year. Your actual cost depends on your home's value, age, construction type, and specific location.