Cheap Car Insurance for State Employees in Hawaii

The words “cheap” and “insurance” really don’t belong together, in particular when you are trying to find the cheapest auto insurance for state employees. To save some money, let’s get started by showing you some situations that impact insurance rates, and find a few ways to reduce the price of your next policy.

The model of vehicle you are trying to insure is a significant factor that determines if you can find the cheapest car insurance for state employees. Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost substantially more to insure than safer models.

The data below presents coverage prices for a number of the most budget-friendly automobiles to buy coverage for.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in specific location information which can influence insurance rates significantly.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium amounts do not factor in specific location information which can raise or lower rates noticeably.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in specific zip code location which can modify rates noticeably.

For state workers, one of the largest considerations that is used by insurance companies to determine the annual cost of car insurance is where your home is located in Hawaii. Cities with larger populations or higher claims like Hilo, Mililani Mauka, and Kapolei likely pay more, whereas areas with less congestion enjoy lower insurance rates.

The illustration below rates the most costly cities in Hawaii for state employees to purchase a policy in.

Price information shown is comparative as zip code location can increase or decrease coverage prices considerably.

Finding decent, cost effective insurance is confusing at best, and determining which company has the cheapest car insurance rates for state employees requires even more perseverance.

Every insurance company uses slightly different criteria to determine rates, so we’ll go over the car insurance companies with the overall best prices in Hawaii. It’s important to know that Hawaii car insurance rates are impacted by many factors that control your annual premium. Improving your financial situation, adding a teenager to your policy, or getting into an accident can trigger rate changes that may make certain companies more affordable than before.

Best Auto Insurance Prices in Hawaii

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USAA may have some of the best car insurance rates in Hawaii at around $926 annually. State Farm, GEICO, Liberty Mutual, and Progressive also are some of the more affordable Hawaii auto insurance companies.

As shown in the table above, if you currently buy coverage from Progressive and switched to State Farm, you could realize yearly savings of in the neighborhood of $484. Drivers with Allstate could save as much as $830 a year, and First of Hawaii policyholders might realize rate reductions of up to $911 a year.

If you want to find out if you’re overpaying, click here to get quotes or quote prices from the following companies.

It’s important to note that these policy rates are averages for all insureds and vehicles and do not take into consideration a rate discount for state employees. So the insurer that has the cheapest rates for you may not even be featured in the list of companies shown earlier. That affirms the importance of why you need to get car insurance quotes using your own individual information.

How careless driving impacts Hawaii car insurance rates

The recommended way to find the most affordable car insurance rates in Hawaii for state workers is to be a careful driver and avoid tickets and accidents. The chart below illustrates how traffic citations and at-fault collisions influence insurance prices for each age group. The price estimates are based on a married female driver, full coverage, $250 deductibles, and no policy discounts are applied.

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The data in the chart shows the average cost of auto insurance in Hawaii per year with a clean driving record and no accidents is $1,432. Receive two speeding tickets and the average cost swells to $2,035, an increase of $604 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of car insurance for state employees goes up to an average of $4,286. That’s an increase of $2,855, or $238 per month, just for not driving carefully!

Types of discounts on Hawaii car insurance rates

Insurance companies that provide cheap auto insurance for state employees in Hawaii may also provide discounts that can lower rates by as much as 35% or more if you are eligible for them. Larger car insurance companies and the discounts they provide are included below.

The information below shows the comparison of insurance premiums with and without policy discounts. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, Hawaii state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with marriage, vehicle safety, homeowner, anti-theft, multiple policy, and defensive driving course discounts applied. In this example, the average savings per year on car insurance for state employees is 42% or $465.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2603,1877],[‘Age 30’, 1355,989],[‘Age 40’, 1341,977],[‘Age 50’, 1223,889],[‘Age 60’, 1183,857],[‘Age 70’, 1431,1035]]);var options = {title: ‘Insurance Rate Comparison for State Employees’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Who has the cheapest insurance quotes for state workers?

Drivers have a lot of ways to get affordable car insurance quotes in Hawaii, but the most common methods are through a non-exclusive or independent agent, a captive (or exclusive) agent such as Liberty Mutual or Allstate, or direct from companies such as Progressive or Geico. All three ways can provide car insurance quotes, but buyers should know the differences in how they provide price quotes.

Independent agents can place your business with multiple companies and can provide price quotes from all of them. These types of agents are able to get prices from more than one company, which may provide you with better odds of saving money. If your agent finds a cheaper company, the agent simply finds a different carrier and you don’t have to switch agencies.

An exclusive ageny is only able to place business with one insurance company, a couple examples are a State Farm or Allstate agent. They are unable to provide multiple price quotes, so you might not find the best rates.

Buying direct means you bypass an independent or exclusive agent and instead shop from a direct company like Esurance or Geico. This option may be preferred by drivers who do not have a lot of assets and have an above average understanding of the exclusions of a policy.

Which way works best for finding cheap auto insurance for state employees in Hawaii? Our initial answer would be buying direct saves money since that prevents the need to pay agent commissions, but unfortunately, that is not the case. A good argument could also be made that an independent agency guarantees the lowest rates since they have access to many companies, but that is not necessarily true either. And often times, exclusive agents have price quotes that cannot be beaten by either independent or direct companies.

Because of the variability of car insurance rates, the only true way to buy the cheapest policy is to compare, compare, and compare some more. Put in the effort to get rate quotes from all three in order to have the best selection to choose from. For a list of companies offering online discounts, click here to view.