Best Cheap Car Insurance for Drivers Under 25 in Hawaii

One of the more important criteria that helps auto insurance companies calculate a rate quote is where your residence is in Hawaii. Areas with increased crime or more people like Hilo, Pearl City, and Royal Kunia tend to pay slightly more, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.

The following table lists the highest-priced areas in Hawaii for drivers under 25 to buy car insurance in.

Information shown are comparative as specific Hawaii zip code can increase or decrease premium rates greatly.

Buying low-priced insurance is not the easiest thing to accomplish, and finding out which company offers the cheapest insurance rates for drivers under 25 will involve even more shopping around. Insurance rates should be a little bit pricier than the average rate in Hawaii, with the increase attributed to the higher likelihood of claims related to offering insurance for drivers age 25 and younger, but competitive insurance should be attainable if you look hard enough. Every insurance provider has their own process to set premium rates, so let’s take a look at the insurance companies with the most affordable rates in Hawaii.

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USAA may offer some of the cheapest car insurance rates in Hawaii at around $954 per year. State Farm, GEICO, Liberty Mutual, and Progressive also make the cut as some of the most economical Hawaii auto insurance companies.

In the above example, if you currently buy coverage from Liberty Mutual and switched to USAA, you might realize annual savings of approxmiately $467. Policyholders with Progressive may save as much as $622 a year, and Allstate policyholders might cut rates by $972 a year.

Remember that these rates are averaged across all types of insureds and vehicles and and are not figured with a price increase for drivers under 25. So the company that fits you best may not even be shown in the above rate chart. That is why you need to quote rates from many companies using your own driver information and specific vehicle type.

The vehicle you are buying coverage for is a large factor when trying to find economical coverage for drivers under 25. Vehicles with limited top-end speed, a great safety record, or a low likelihood of having liability claims will cost less to insure than adrenaline junky models.

The tables below shows insurance prices for a number of the more afforable vehicles to buy insurance for.

Table data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific location which can lower or raise insurance rates greatly.

Above prices assume single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific garaging location which can decrease or increase auto insurance rates greatly.

Table data represents single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in zip code location which can decrease or increase rates considerably.

Irresponsible driving raises your rates

The recommended way to snag the best cheap car insurance for drivers under 25 in Hawaii is to be a cautious driver and avoid accidents and traffic violations. The diagram below demonstrates how traffic citations and at-fault accidents can increase annual premium costs for different insured age categories. The costs are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

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In the previous example, the average cost of car insurance in Hawaii per year with no accidents or violations is $1,523. Add in one speeding ticket and the average cost swells to $1,714, an increase of $191 each year. Then include one accident along with the one speeding ticket and the 12-month cost of insurance for drivers under 25 goes up to an average of $2,252. That’s an increase of $730, or $61 per month, just for not paying attention while driving!