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Find the Best Car Insurance in Honolulu, HI

Having car insurance is mandatory for Hawaii drivers, but it also protects you financially after your car is stolen or it’s involved in a wreck. We compiled this list of the best car insurance companies in Honolulu to help you get the right policy at a price you can afford.

Top 10 Honolulu Car Insurance Companies

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EverQuote Insurance Services

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Allstate Auto Insurance Read 2,060 Reviews

AllState became a publicly held insurance company in 1993, though it's been around since the 1930s. It is dedicated to hiring women and minorities in addition to providing appropriate insurance for people from all walks of life.

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State Farm Auto Insurance Read 3,654 Reviews

State Farm is the biggest auto insurer in the U.S. and is a top 50 Fortune 500 company. It was founded in 1922 by a farmer, and for nearly a century has tried to bring a sense of neighborliness into the insurance business.

Atlas Insurance Agency Read Author Review

Covers new and used cars plus antique vehicles, boats and motorcycles. Offers discounts for bundling home and auto insurance. Offers free online quotes.

David Chen Insurance & Real Estate Company Read Author Review

Offers free quotes by phone or in person at its office in the Chinatown Cultural Plaza. Discounts 5% or more when you bundle home and auto insurance.

DTRIC Insurance Read Author Review

Gives free quotes instantly online or by phone. Reduces your deductible by $200 after your first year without a claim.

First Insurance Company of Hawaii Read Author Review

Provides free auto insurance quotes online, by phone or in person with an agent. Discounts premiums for bundling car and homeowners insurance.

Insurance Associates Read Author Review

Provides free quotes online. Offers discounts on premiums for energy-efficient vehicles and safe driving.

Island Insurance Companies Read Author Review

Gives discounts to safe drivers, customers who bundle home and auto insurance, drivers who take defensive driving courses and members of the Hawaii State Teachers Association.

Pyramid Insurance Read Author Review

Employs agents that speak Chinese, Ilocano, Japanese, Korean and Spanish. Gives discounts for safe driving, bundling home and auto insurance and insuring multiple vehicles.

honolulu auto insurance skyline

Not only is car insurance a legal requirement in Hawaii, but it’s also extremely helpful given Honolulu’s frequent car accidents. Car accidents are common in Honolulu, and it ranks among the top 10 most traffic-congested U.S. cities. If you want to protect yourself financially in case of a car accident or theft, you need car insurance that goes beyond minimum coverage.

Honolulu car insurance quotes

Car insurance in Honolulu costs $25 a month at the low end and up to $200 a month for full coverage. Typical premiums range between $48 and $120, depending on the type of coverage you have.

Where you live also affects your premium price, since neighborhoods with high crime rates tend to drive up the cost of car insurance. Insurance companies use the following factors to evaluate the risk associated with a neighborhood:

  • Stolen vehicle reports
  • Claims for property stolen out of cars
  • Fraudulent injury claims
  • Vandalism

This means two identical people getting identical policies may pay different car insurance premiums, depending on whether they live in East Honolulu, Waialae-Kahala, Kalihi, Manoa, Kuliouou-Kalani Iki or Waikiki.

Other than where you live in Hawaii, additional factors that affect the price of your premium are your:

  • Make and model of vehicle
  • Gender
  • Age
  • Credit score
  • Driving history

Finally, keep in mind that your deductible also increases or decreases what you pay for car insurance in Hawaii. Having a higher deductible lowers your premium, but it may cost you more in out-of-pocket expenses if you ever need to file a claim.

If you’re specifically looking for cheap car insurance in Hawaii, check out our tips on lowering your monthly premium to save money.

Hawaii car insurance requirements

Hawaii law requires drivers to have car insurance for their registered vehicles. Specifically, drivers need to have liability insurance to cover injuries or property damage in an accident.

Because Hawaii is a no-fault state, drivers must also have personal injury protection coverage of at least $10,000 to cover their injuries and any injuries their passengers may have.

The minimum coverage requirements for liability car insurance in Hawaii are 20/40/10, meaning your auto insurance policy must include:

  • $20,000 for bodily injury per person
  • $40,000 for total bodily injury per accident
  • $10,000 for property damage per accident

Hawaii has strict penalties for driving a car without adequate car insurance coverage, including tickets, fines and registration suspension.

According to the Insurance Research Council, more than 10% of Hawaii drivers are uninsured, which is bad for everyone. Getting into an accident with an uninsured driver often leaves you paying out of pocket unless you have uninsured motorist coverage.

Honolulu car insurance FAQ

Do I need gap insurance coverage in Honolulu?
If you are still paying off your car, you may need gap insurance. Gap insurance helps you avoid paying out of pocket if you have an accident that totals your car. It does this by covering the difference between what you owe on your car loan and your car’s current value. Honolulu residents who lease their cars might also want to consider getting gap insurance.
Is Hawaii a no-fault state for accidents?
Yes, Hawaii is a no-fault state. That’s why Hawaii law requires drivers to have personal injury protection coverage of at least $10,000.
How can I get car insurance discounts in Honolulu?
Most companies selling car insurance in Honolulu offer discounts for people who bundle their car and homeowners insurance or insure multiple vehicles. Hawaii residents can also qualify for discounts by taking driver’s education courses.

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    Honolulu car insurance company information

    Atlas Insurance Agency

    Atlas Insurance Agency works with carriers that offer insurance policies that cover cars, trucks, SUVs, antique cars, motorcycles and boats. Atlas offers auto insurance policies from Palomar as well as a few of the companies on our list, including First Insurance Company of Hawaii, DTRIC Insurance and Island Insurance.

    • Address: 201 Merchant St., Ste. 1100, Honolulu, HI 96813; Multiple locations
    • Phone: (808) 533-3222
    • Hours: M - F: 8am - 4:30pm
    • Website: atlasinsurance.com
    Island Insurance Companies

    Island Insurance offers a wide range of auto insurance policies with features such as built-in accident forgiveness. Basic plans start at $27 a month. Free car insurance quotes are available on the company’s website and by phone.

    • Address: 1022 Bethel St., Honolulu, HI 96813
    • Phone: (808) 643-4000
    • Hours: M - F: 8am - 5:30pm
    • Website: islandinsurance.com
    First Insurance Company of Hawaii

    First Insurance Company of Hawaii works with more than 25 insurance companies to offer a wide variety of car insurance policies. It offers discounts for insuring multiple cars, renewing your policy and being accident-free.

    • Address: 1100 Ward Ave., Honolulu, HI 96814
    • Phone: (808) 527-7777
    • Hours: M - F: 8am - 4pm
    • Website: ficoh.com
    David Chen Insurance & Real Estate Company

    David Chen Insurance & Real Estate Company offers auto insurance policies from Progressive that cover cars, trucks, vans and SUVs. Discounts are available for most customers. Its agents can accommodate people who prefer to speak in several other languages, including Vietnamese, Chinese and French.

    • Address: 100 N. Beretania St., Ste. 102, Honolulu, HI 96817
    • Phone: (808) 524-3333
    • Hours: M - F: 9am - 5pm
    • Website: davidchenins.com
    DTRIC Insurance

    DTRIC Insurance offers policies that cover almost all vehicles. When customers add comprehensive, collision and towing coverage to their policy, they receive a DTRIC gold card that’s good for free emergency roadside services. Customers receive discounts for safe driving, low mileage, insuring multiple cars and carrying continuous coverage.

    • Address: 1600 Kapiolani Blvd., Ste. 1520, Honolulu, HI 96814
    • Phone: (808) 944-5400
    • Hours: M - F: 8am - 4:30pm
    • Website: dtric.com
    Pyramid Insurance

    Pyramid Insurance works with insurance providers like Progressive, DTRIC and First Insurance to offer a wide range of policies for all their customers’ auto insurance needs. Pyramid has agents that speak Chinese, Ilocano, Japanese, Korean and Spanish.

    • Address: 420 Waiakamilo Road, Honolulu, HI 96817; Multiple locations
    • Phone: (808) 527-7667
    • Hours: M- F: 8am - 4:30pm
    • Website: pyramidins.com
    Insurance Associates

    Insurance Associates offers auto insurance policies that cover cars, collectible vehicles, trucks, SUVs, vans and motorcycles. Policies include coverage for tow services and rental vehicles while your vehicle is being repaired.

    • Address: 800 Bethel St., Ste. 200, Honolulu, HI 96813
    • Phone: (808) 538-6938
    • Hours: Call for hours
    • Website: insuringhawaii.com
    by Sandi Pope ConsumerAffairs Research Team

    Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.