Who Has the Cheapest Insurance for a Kia Optima in Hawaii?

The chances of finding the best cheap car insurance for a Kia Optima in Hawaii depends on a complex formula that considers things like whether you are male or female, whether or not you have prior claims, and if your driving record is clean. Hawaii drivers pay around $790 each year to insure their Optima, but that is calculated based on a 50-year-old single male driver that includes full coverage and $250 physical damage deductibles.

This brings up the issue that more than likely you are not a 50-year-old male, possibly married instead of single, and there is a good chance that there are other drivers on your policy. Just a minor change in input factors can make a huge difference in policy price.

Auto insurance is not “one size fits all”, so the best method for finding cheap auto insurance rates for your Kia is to comparison shop your policy at each renewal. It takes less than five minutes and you will receive prices from the best auto insurance companies that insure Kia vehicles in Hawaii.

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The specific trim level will likely have an effect on the cost of insurance, so the rate you pay to insure a Optima LX will be $84 less than the cost to insure the more well-appointed Optima SX trim level, as shown by the rates below.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in garaging location in Hawaii which can decrease or increase insurance rates noticeably.

Hawaii insurance companies

Choosing a highly-rated insurance company can be challenging considering how many choices drivers have in Hawaii. The ranking information in the next section could help you decide which auto insurance companies you want to consider comparing rate quotes with. The ratings below are only made up of major nationwide insurance companies, so companies that focus mainly on Hawaii business will not be included in the list.

Top 10 Major Auto Insurance Companies Overall in Hawaii

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. Progressive
8. Allstate
9. Nationwide
10. Liberty Mutual

Top 10 Major Auto Insurance Companies in Hawaii Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Progressive
5. Allstate
6. American Family
7. AAA Insurance
8. Nationwide
9. Liberty Mutual
10. Farmers Insurance

Top Companies for Kia Optima Insurance in Hawaii

Rate comparison of full coverage and liability-only

Finding the cheapest insurance for a Kia Optima in Hawaii is probably important to most vehicle owners, and one of the quickest ways to pay less for insurance is to not pay for full coverage. The diagram below compares premium costs with full coverage compared to only the Hawaii minimum liability coverage. The prices are based on a clean driving record, no claims, $250 deductibles, single marital status, and no other discounts are factored in.

If the expense is averaged for all age categories, comp and collision coverage costs an additional $1,895 per year over and above liability coverage. That is a large expense which might make you wonder if paying for full coverage is a waste of money. There is no exact rule for excluding physical damage insurance, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

There are some conditions where eliminating full coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Progressive vs State Farm vs Geico vs Allstate

When shopping around for insurance for an Optima in Hawaii, four of the larger companies to compare rates for are Progressive, State Farm, Geico, and Allstate. The next table shows price, claims, and customer service ratings, as well as some optional coverages that you can purchase from each one.

How to find the cheapest insurance for a Kia Optima in Hawaii

Here are some money-saving ideas that can help Hawaii drivers quote the cheapest auto insurance.

• Increase your policy deductibles
• Vehicles with good safety ratings have lower liability rates
• Be a safe driver
• Drop full coverage on older vehicles
• Drivers with good credit ratings often pay less
• Avoid accidents
• Compare prices as often as possible

The last item on the list is very valuable, as was emphasized in the article above. Prices vary considerably, so don’t hesitate to buy a policy from a new company if you can find a cheaper rate. Many drivers tend to have loyalty to a certain company, but it’s not a good idea if your bullheadedness ends up costing you money that could be going to better use. Take a few minutes and compare rates to find cheaper car insurance for a Kia Optima.