How Much Does Car Insurance Cost in Honolulu, HI?
Average annual car insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$2.304 – $5.760
+92% vs national average
$2.304$4.032$5.760
LowNational avg: $2.100High
Honolulu vs State & National Average
| Category | Honolulu | Hawaii Avg | National Avg |
|---|---|---|---|
| Average cost | $4.032 | $3.935 | $2.100 |
| Low estimate | $2.304 | $2.951 | $1.575 |
| High estimate | $5.760 | $5.116 | $2.730 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Liability only | $768 | $1.728 | per year |
| Full coverage | $2.304 | $5.760 | per year |
| Good driver discount | $-384 | $-960 | savings |
| Young driver surcharge | $960 | $3.840 | additional |
Car Insurance in Nearby Cities
Frequently Asked Questions
How much does car insurance cost in Honolulu?
In Honolulu, HI, car insurance typically costs between $2.304 and $5.760. The average is $4.032, which is 92% above the national average.
Is Honolulu expensive for car insurance?
Honolulu has a cost-of-living index of 192 (100 = national average). Car Insurance costs are 92% higher than the national average of $2.100.
What factors affect car insurance costs in Honolulu?
Key factors include local labor costs, cost of materials, market competition, Hawaii state regulations, and Honolulu's overall cost of living (index: 192/100). Prices can also vary by season and specific requirements.