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.
Rank | City | Average Per Year |
---|---|---|
1 | Hilo | $1,131 |
2 | Ewa Gentry | $1,057 |
3 | Makakilo | $1,057 |
4 | Kailua | $1,052 |
5 | Kapolei | $1,047 |
6 | Pearl City | $1,047 |
7 | Waipahu | $1,046 |
8 | Ewa Beach | $1,046 |
9 | Waimalu | $1,036 |
10 | Honolulu | $1,036 |
11 | Halawa | $1,036 |
12 | Waianae | $1,036 |
13 | Wahiawa | $1,036 |
14 | Wailuku | $1,026 |
15 | Royal Kunia | $1,026 |
16 | Mililani Mauka | $1,016 |
17 | Kaneohe | $1,016 |
18 | Nanakuli | $1,016 |
19 | Kahului | $1,016 |
20 | Mililani Town | $1,005 |
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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.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu LS | $3,610 | $1,805 | $301 |
Ford Focus SE 4-Dr Sedan | $3,574 | $1,787 | $298 |
Ford Fusion SEL 4-Dr Sedan | $3,860 | $1,930 | $322 |
Honda Accord LX-P 4-Dr Sedan | $3,038 | $1,519 | $253 |
Honda Civic GX 4-Dr Sedan | $4,044 | $2,022 | $337 |
Hyundai Elantra SE 4-Dr Sedan | $3,826 | $1,913 | $319 |
Kia Optima SX | $4,136 | $2,068 | $345 |
Toyota Camry LE | $3,610 | $1,805 | $301 |
Toyota Corolla XRS | $3,860 | $1,930 | $322 |
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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.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura RDX Technology Package 2WD | $3,542 | $1,771 | $295 |
Chevrolet Traverse LTZ AWD | $3,326 | $1,663 | $277 |
Ford Escape XLT 2WD | $3,038 | $1,519 | $253 |
Ford Explorer Limited 4WD | $3,644 | $1,822 | $304 |
GMC Acadia SL AWD | $3,392 | $1,696 | $283 |
Honda CR-V LX 2WD | $3,038 | $1,519 | $253 |
Honda Fit | $2,852 | $1,426 | $238 |
Honda Pilot Touring 2WD | $3,644 | $1,822 | $304 |
Hyundai Tucson GLS 4WD | $3,392 | $1,696 | $283 |
Jeep Grand Cherokee Laredo 2WD | $3,610 | $1,805 | $301 |
Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $3,706 | $1,853 | $309 |
Subaru Forester X Limited Edition W/Navigation AWD | $3,576 | $1,788 | $298 |
Toyota Highlander Limited 4WD | $3,894 | $1,947 | $325 |
Toyota RAV4 Limited 4WD | $3,610 | $1,805 | $301 |
Volvo XC90 3.2 R-Design 2WD | $3,860 | $1,930 | $322 |
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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.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT 4WD | $3,038 | $1,519 | $253 |
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $4,112 | $2,056 | $343 |
Chevrolet Silverado LTZ Crew Cab 2WD | $4,136 | $2,068 | $345 |
Dodge Ram Quad Cab SLT 2WD | $3,920 | $1,960 | $327 |
Ford F-150 STX Regular Cab 2WD | $3,356 | $1,678 | $280 |
Ford F-250 XL Turbo Diesel 4WD | $4,424 | $2,212 | $369 |
Ford F-350 XL Crew Cab Cabela Package 2WD | $3,894 | $1,947 | $325 |
GMC Canyon SLE Ext Cab 4WD | $3,392 | $1,696 | $283 |
GMC Sierra Denali Crew Cab 2WD | $4,112 | $2,056 | $343 |
Toyota Tundra Limited Crew MAX 4WD | $4,170 | $2,085 | $348 |
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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.
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.