Cheap Auto Insurance for First-time Drivers in Hawaii

Figuring out which company offers the most affordable car insurance rates for first-time drivers requires a little more effort in order to find the best policy.

Each company uses their own calculation to establish rates, so we will examine the lowest cost car insurance companies in Hawaii. We do need to point out that Hawaii car insurance rates are impacted by many things that can increase the price you pay. Simply having a birthday, filing a claim, or having an accident can produce rate changes that can now make some companies cheaper than others.

Compare Cheap Insurance Quotes for Inexperienced Drivers

Compare Rates Today

USAA has some of the best car insurance rates in Hawaii at around $964 per year. State Farm, GEICO, Liberty Mutual, and Progressive would also make the list of some of the cheapest Hawaii insurance companies.

In the rate table above, if you currently have coverage with Progressive and switched to State Farm, you could realize a yearly savings of about $548. Customers with Allstate might save as much as $888 a year, and First of Hawaii customers might reduce prices by as much as $930 a year.

Bear in mind that those premium estimates are averages across all drivers and vehicles in Hawaii and are not factoring in a rate surcharge for first-time drivers. So the insurer that fits your needs best may not even be included in the list of companies above. That’s why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

Everyone has different tastes in autos, and the style of vehicle driven is a significant factor when comparison shopping for the most affordable coverage for first-time drivers. Vehicles with higher performance characteristics, a lack of advanced safety features, or a history of substantial liability claims will cost more to insure than more modest models. The tables below illustrates coverage premiums for some of the most affordable automobiles to insure in Hawaii.

Cost estimates assume single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in garaging location in Hawaii which can influence coverage rates greatly.

Cost estimates assume single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific location which can impact coverage rates noticeably.

Premium data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific location which can change insurance rates greatly.

When buying car insurance for new drivers, one of the key considerations that aid in calculating the price you pay for insurance is your address in Hawaii. Cities with more crime and/or more people like Hilo, Waipahu, and Wahiawa tend to pay higher rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.

The table below ranks the most expensive places in Hawaii for first-time drivers to buy an auto insurance policy in.

Rate quotes are approximated as specific Hawaii zip code can affect premium rates considerably.

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

When shopping around for auto insurance for new drivers in Hawaii, four companies you’ll want quotes from are Progressive, State Farm, Allstate, and Geico. The next table compares ratings for price, service, and claims, in additional to some of the optional coverages that are available for policyholders.