How Much are Auto Insurance Quotes for 16 Year Olds in Hawaii?

When shopping for cheaper insurance for new drivers, one of the many things that influence the policy price is the neighborhood you call home in Hawaii. Urban areas that are densely populated like Hilo, Makakilo, and Kapolei tend to pay higher rates, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The information below sorts the highest-priced areas in Hawaii for 16 year olds to purchase auto insurance in.

Price information shown is comparative as vehicle location can increase or decrease premium rates greatly.

Performance level and cost of the vehicle on the policy is a significant factor in finding cheap car insurance for 16 year olds in Hawaii. Vehicles with high performance features, poor safety ratings, or an increased likelihood of liability claims will cost substantially more to insure than more modest models.

The lists below showcases car insurance costs for a selection of the most affordable vehicles to insure.

Prices above based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific location which can influence coverage rates significantly.

Cost estimates assume single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can revise rates significantly.

Data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in specific zip code location which can raise or lower auto insurance rates greatly.

Does it make sense to buy full coverage?

Finding cheap car insurance for 16 year olds in Hawaii is the goal of most people, and an effective way to lower the cost of insurance is to not buy comprehensive and collision coverage. The example below shows the difference between premium costs with full coverage and liability only. The data assumes no violations or claims, $100 deductibles, single status, and no additional discounts are factored in.

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If we average all the age groups together, full coverage on your policy costs an additional $2,038 per year over having just liability coverage. That is a large expense and it proposes the question if paying for full coverage is a waste of money. There is no written rule to drop full coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.