Best Cheap Car Insurance Quotes for Drivers Requiring a SR22 in Hawaii

For Hawaii drivers, one of the things that is looked at to help calculate the price of your policy is where your residence is. Areas that are more densely populated or have higher claim rates like Hilo, Kailua, and Royal Kunia tend to pay higher rates, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The information below lists the more expensive cities in Hawaii for drivers requiring a SR22 to purchase a policy in.

Rates are comparative as zip code location can raise or lower rates considerably.

Finding reliable, reasonably-priced insurance is tough enough, and deciding which company quotes the lowest-priced car insurance rates for drivers requiring a SR22 will take even more work. Insurance prices will probably be significantly more than the average rate in Hawaii attributed to the potentially higher risk related to offering insurance for high risk drivers, but economical insurance should be possible with a little diligence. Each company has a different process to determine premium rates, so let’s rank the most competitive car insurance companies in Hawaii.

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USAA normally has some of the lowest car insurance rates in Hawaii at around $936 annually. State Farm, GEICO, Liberty Mutual, and Progressive would also make the list of some of the more affordable Hawaii car insurance companies.

As depicted above, if you currently have coverage with State Farm and switched to USAA, you may see an annual savings of roughly $140. Insureds with GEICO might save as much as $453 a year, and Liberty Mutual policyholders might cut rates by $528 a year.

To discover how much you can save, click here to start your free quote or visit several of the following companies.

It’s important to note that these policy rates are averaged across all drivers and vehicles and and are not figured with a rate increase for drivers requiring a SR22. So the auto insurance company that can offer you the best price may not even be included in the above rate chart. That emphasizes why you need to get rate quotes using your own driver data and vehicle information.

How violations and accidents impact rates

The recommended way to find affordable car insurance prices in Hawaii for high risk drivers is to be a good driver and have a clean driving record. The diagram below shows how violations and accident claims can increase annual premium costs for different categories of driver ages. The data assumes a married male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

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In the prior example, the average cost of auto insurance per year with no accidents and a clean driving record is $1,421. Add in one speeding ticket and the average cost rises to $1,633, an increase of $212 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of car insurance for drivers requiring a SR22 increases to an average of $3,559. That’s an increase of $2,138, or $178 per month, just for not being more responsible behind the wheel!

Ratings for Hawaii car insurance companies

Insuring your vehicle with a highly-rated company is difficult considering how many companies provide coverage in Hawaii. The ranking information in the lists below can help you analyze which insurers you want to consider when shopping around.

These rankings include companies with a national presence, so smaller companies that only insure vehicles in Hawaii are not included in these rankings. To check prices from these and other competitive companies, follow this link.

Top 10 Major Auto Insurance Companies Overall in Hawaii

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. Progressive
8. Allstate
9. Nationwide
10. Liberty Mutual

How to find the best cheap auto insurance for drivers requiring a SR22 in Hawaii

It’s not impossible to find cheaper rates, and here are some money-saving solutions that can help Hawaii drivers find cheaper car insurance.

• Just one traffic violation will increase your rates
• Drive attentively and avoid accidents
• Higher physical damage deductibles lower rates
• Improve your credit
• Claim-free drivers earn discounts
• Buy your auto and home insurance from the same company and save
• Shop around for cheaper rates regularly

That final tip is remarkably vital, as we noted in the prior information. Car insurance rates in Hawaii can change considerably based on profitability, so drivers shouldn’t hesitate to change insurance companies if a cheaper price is available. Staying with the same company for years is fine, but we do not recommend it if that inflexibility results in costing you a considerable chunk of change every month. Spend a few minutes and compare rates and find cheaper car insurance for drivers requiring a SR22.

Who has the cheapest insurance quotes for high risk drivers?

There are many different ways to find cheaper car insurance in Hawaii, but the most prevalent methods are using an exlusive agent such as Auto-Owners or State Farm, an independent or non-exclusive agent, or direct either online or via phone.

Each way has the same basic steps, but buyers need to know the differences in how they provide rate quotes.

Independent insurance agencies work with multiple companies and can compare rates with each one. These types of agents can sell policies from many different companies and can give you a larger rate selection, which may provide you with improved chances of finding a lower rate. If they find a lower price, it’s easy for the agent to move the policy which prevents you from having to switch agents.

An exlusive, or captive, agency is limited to just one company, two examples are an Auto-Owners or State Farm agent. These guys and gals cannot provide a range of price quotes, so you will not be able to compare their rates to other companies.

If you buy direct, you do not use an agent and instead shop buying direct from a company like Esurance or Geico. This option may be preferred by drivers who do not need advice for risk management and have knowledge of what limits they need.

So which of the methods works best to find the best cheap auto insurance for drivers requiring a SR22 in Hawaii? Our initial answer would be shopping direct results in the cheapest price since no commissions are paid to an agent, but unfortunately, that is not always true. It could also be said using an independent agent is the best way to save due to more options, but again, that’s not a true statement. In a lot of cases, exclusive agents have price quotes that cannot be met by either independent or direct companies.

Since car insurance prices vary so much, the only true way to ensure you are not overpaying for car insurance is to do a thorough rate comparison. The best approach is to get quotes from all three to give yourself the best selection. For a list of companies with some of the cheapest Hawaii car insurance rates, click here to view.