Who Has Cheap Auto Insurance Quotes for Single Moms in Hawaii?

The words “low-priced” and “insurance” really shouldn’t be used together, specifically when you are shopping around for the best price on coverage for single moms. In an attempt to save some money, let’s teach you some of the things the can have a considerable influence on car insurance rates, and come up with some ways to lower the cost of the next policy you buy.

The type of vehicle on the policy is a significant factor when shopping around for cheap auto insurance for single moms in Hawaii. Vehicles with lots of horsepower, a lack of advanced safety features, or a high likelihood of having liability claims will cost more to insure than more economical and safe models.

The lists below features coverage costs for a number of the most budget-friendly vehicles to insure.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in specific zip code location which can influence rates noticeably.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific Hawaii garaging location which can revise price quotes significantly.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in specific location which can modify price quotes greatly.

For Hawaii drivers, one of the criteria that control the price of your policy is where you live. Areas that are densely populated or have higher claim frequency like Hilo, Ewa Gentry, and Pearl City will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The following table sorts the highest-priced areas in Hawaii for single moms to purchase a policy in.

Annual rates are estimated as vehicle location can increase or decrease rates considerably.

Deciphering which companies quote the lowest-priced car insurance rates for single moms will require a tad more effort in order to find the best price. Each auto insurer has their own formula for determining rates, so let’s take a look at the most affordable car insurance companies in Hawaii.

It’s important to know that Hawaii car insurance rates are impacted by many factors that can increase the price you have to pay. Improving your credit score, adding a teenager to your policy, or getting caught speeding may prompt premium changes that can cause some rates to be more affordable than the competition.

Find Cheaper Auto Insurance for Single Moms

Compare Rates and Save

USAA may offer some of the most affordable car insurance rates in Hawaii at around $926 per year. State Farm, GEICO, Liberty Mutual, and Progressive are also some of the cheaper Hawaii auto insurance companies.

As the rates illustrate above, if you have coverage with Liberty Mutual and switched to State Farm, you may realize yearly savings of around $286. Customers with Progressive could save as much as $504 a year, and First of Hawaii insureds might lower prices by $827 a year.

These premiums are averaged across all types of insureds and vehicles and do not factor in a rate discount for single moms. So the insurer that has the cheapest price for you may not even be featured in the above list. That helps illustrate why you need to compare as many prices as possible using your own specific driver and vehicle information.

Get discounts on Hawaii car insurance

Car insurance companies that offer cheap auto insurance for single moms in Hawaii could also offer special discounts that could potentially reduce rates by 40% or more if you are eligible to receive them. A list of car insurance companies and a partial list of their discounts are:

The illustration below illustrates the difference between car insurance costs with and without discounts applied to the policy premium. The costs are based on a female driver, no violations or accidents, Hawaii state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, defensive driving course, anti-theft, passive restraint, safe-driver, and multiple vehicle discounts applied. When taking advantage of discounts, the the amount saved on car insurance for single moms is 33% or $672.

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