📍Honolulu, HI

Find Insurance Agents in Honolulu, HI

Honolulu has 75 insurance agents averaging 4.3 stars across 5,070 reviews. The most popular services are auto (62 agents), home (62 agents), life (62 agents).

75
Licensed Agents
4.3/5
Avg. Rating
12 yrs
Avg. Experience
7
Service Types

Insurance in Honolulu, Hawaii

Key insurance factors and local considerations for Honolulu residents.

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Auto Insurance in Honolulu

Hawaii drivers pay an average of $1,652/yr for auto insurance — 27% below the national average of $2,264. With narrow winding roads and tourist driver unfamiliarity, comprehensive coverage is especially important. Hawaii is an no-fault state with minimum liability of 20/40/10.

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Home Insurance in Honolulu

Homeowners in Hawaii pay $1,039/yr on average — 60% below the national average.

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Life Insurance in Honolulu

With a median household income of $80,871, Honolulu residents have diverse life insurance needs. Approximately 52% of Hawaii households carry life insurance.

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Renters Insurance in Honolulu

Many Honolulu residents rent. Renters insurance averages $150/yr in Hawaii, protecting personal property and beyond.

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Final Expense Insurance in Honolulu

With a growing senior community and regional funeral costs averaging $9,000, final expense insurance helps Honolulu families avoid financial burden. No-exam whole life policies are widely available through local agents.

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Pet Insurance in Honolulu

Many Honolulu households own pets. With average vet visit costs of $88 in Hawaii, pet insurance can offset unexpected expenses. Accident-only and comprehensive plans are available through local agents.

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Health Insurance in Honolulu

Hawaii has a 4% uninsured rate. Residents can find plans through the federal marketplace at healthcare.gov. Open enrollment runs November through January.

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📊Local Data

Honolulu, HI Insurance by the Numbers

Key insurance, driving, and demographic statistics for Honolulu and Hawaii to help you make informed coverage decisions.

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345,510
City Population
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131,913
Households
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943,671
Licensed Drivers in HI
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$80,871
Median Household Income
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Auto Insurance

$1,652/yr
Avg. auto premium in HI
9.3%
Uninsured motorist rate
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Home Insurance

$1,039/yr
Avg. homeowners premium in HI
$87/mo
Monthly cost estimate
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Renters Insurance

$150/yr
Avg. renters premium in HI
$13/mo
Monthly cost estimate
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Motorcycle Insurance

$350/yr
Avg. motorcycle premium in HI
Under 18
Helmet law requirement
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Health Insurance

4%
Uninsured rate in HI
Federal (HC.gov)
ACA Marketplace type
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Life Insurance

52%
Life insurance ownership rate
Above Avg.
Life expectancy rank
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Business Insurance

140,000
Small businesses in HI
Required
Workers' comp status
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Final Expense

18.9%
Population age 65+
$9,000
Avg. funeral cost
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Pet Insurance

63%
Pet ownership rate
$88
Avg. vet visit cost

Sources: NHTSA, FHWA, IRC, NAIC, Bankrate, MoneyGeek, US Census Bureau. State-level averages; individual rates vary.

Insurance FAQ — Honolulu, HI

What types of insurance can I find in Honolulu, HI?
Insurance agents in Honolulu offer auto insurance, home insurance, life insurance, renters insurance, final expense insurance, pet insurance, and health insurance. With 75 agents serving the area, you can compare coverage options and find the policy that best fits your needs and budget.
How do I choose an insurance agent in Honolulu?
Honolulu has 75 licensed insurance agents with an average rating of 4.3 out of 5. Look for agents with strong customer reviews, experience in the coverage you need, and willingness to explain your options. Comparing quotes from multiple agents is the best way to ensure competitive pricing.
How much does car insurance cost in Honolulu, HI?
The average car insurance premium in Hawaii is $1,652 per year, which is below the national average of $2,264. Your actual rate in Honolulu depends on your driving history, vehicle type, coverage levels, and credit score. Getting quotes from multiple Honolulu agents is the best way to find your lowest rate.
Do I need flood insurance in Honolulu?
Honolulu faces weather risks that include hurricanes, volcanic activity, tsunamis, making flood insurance an important consideration. Standard homeowners policies do not cover flood damage, so a separate flood policy through the NFIP or a private insurer is necessary if your property is in or near a flood-prone area. A local Honolulu agent can help you assess your specific risk.
How much life insurance do I need in Honolulu?
Financial advisors typically recommend 10 to 12 times your annual income in life insurance coverage. With Honolulu's median household income of $80,871, that translates to roughly $808,710 to $970,452. A local life insurance agent can help you factor in debts, dependents, and future expenses to determine the right amount.
How much does renters insurance cost in Honolulu?
Renters insurance in Hawaii averages about $150 per year, or roughly $13 per month. That's below the national average of $189 per year. Your actual cost in Honolulu depends on your coverage limits, deductible, and any bundled discounts with other policies.

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