Best Cheap Car Insurance for Unemployed Drivers in Hawaii

Finding dependable, cheap insurance is difficult, and figuring out which companies offer the cheapest auto insurance rates for unemployed drivers requires even more perseverance.

Each auto insurer uses a different method to establish rates, so let’s begin by taking a look at the auto insurance companies with the overall best prices in Hawaii. Keep in mind that Hawaii auto insurance rates are impacted by many factors that can increase the policy premium. Taking a driver safety course, buying higher coverage limits, or having a fender bender can trigger changes in premium resulting in some rates now being more expensive than competitors.

Cheapest Insurance Rates for Job Seekers

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USAA normally has some of the lowest car insurance rates in Hawaii at around $954 each year. State Farm, GEICO, Liberty Mutual, and Progressive also make the cut as some of the lowest-priced Hawaii auto insurance companies.

As the rates illustrate above, if you currently have a policy with Liberty Mutual and switched to USAA, you may see annual savings of in the vicinity of $510. Customers with Progressive may save as much as $670 a year, and Allstate policyholders might cut rates by $952 a year.

Remember that these prices are averaged across all ages of drivers and types of vehicles and and are not calculated with a rate discount for unemployed drivers. So the insurer that can offer you the lowest price may not even be in the list of companies above. That emphasizes why you need to compare as many prices as possible using your own driver and vehicle profiles.

When shopping for the cheapest insurance for the unemployed, one of the many things used to determine car insurance rates is where your car is garaged in Hawaii. Areas that are more densely populated like Hilo, Royal Kunia, and Mililani Mauka will most likely pay more, whereas areas with less people or fewer weather incidents have the luxury of the best cheap car insurance for unemployed drivers in Hawaii.

The table below lists the most costly cities in Hawaii for unemployed drivers in which to purchase auto insurance.

Premium amounts are estimated as the specific area where the vehicle is garaged can raise or lower price quotes greatly.

Who is cheaper: Geico, Progressive, State Farm, or Allstate?

When comparing car insurance for the unemployed in Hawaii, the four most popular companies are Geico, Progressive, State Farm, and Allstate. If you put them all together, they insure about 50% of all car insurance policies written. The next table illustrates some of the different features you can expect with each one.