Who Has Cheap Car Insurance for Drivers Under 21 in Hawaii?

Our staff writers always rib each other than when writing about car insurance, the word cheap shouldn’t be used as a descriptor for auto insurance rates. It’s just reality that cheap auto insurance for drivers under 21 is almost non-existent. Don’t let that ruin your day, because we will tell you how you can find and buy car insurance that fits into your budget.

The make and model of vehicle that needs insurance is a large factor in finding the lowest-priced insurance for drivers under 21. Vehicles with lower performance, modern passenger safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models. The next lists outlines insurance prices for the more afforable automobiles to insure.

Above prices assume single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in specific location which can affect premiums considerably.

Prices above based on single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in your specific Hawaii location which can affect premium rates considerably.

Table data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in garaging location in Hawaii which can revise premium rates considerably.

For Hawaii drivers, one of the components that is used by insurance companies to determine a rate quote is where you live in Hawaii. Cities with more crime and/or more people like Hilo, Kailua, and Wahiawa tend to have higher auto insurance costs, whereas more rural areas can boast about having cheaper rates.

The following table lists the more expensive cities in Hawaii for drivers under 21 to purchase car insurance in.

Prices are approximated as specific location information can influence coverage prices substantially.

Drive responsibly or pay higher rates

A great way to score affordable car insurance premiums in Hawaii for minors is to drive safely and avoid tickets and accidents. The chart below shows how traffic citations and accident claims impact premium costs for each different age group. The premiums are based on a married male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

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In the prior example, the average cost of car insurance in Hawaii per year with no violations or accidents is $1,282. Get written up for one speeding ticket and the average cost hikes up to $1,475, an increase of $193 each year. Then throw in two accidents along with the one speeding ticket and the 12-month cost of car insurance for drivers under 21 jumps again to an average of $3,287. That’s an increase of $2,005, or $167 per month, just for not driving safely!