Who Has Cheap Insurance for a Hyundai Elantra in Hawaii?

Your ability to find the best cheap insurance for a Hyundai Elantra in Hawaii depends upon an enormous amount of factors like how many miles you drive each year, if you have ever had a gap in coverage, and your driving record. Hawaii drivers pay an average rate of $1,030 a year to insure their Elantra, but that is an approximation based on rates for a 30-year-old single female driver that purchased full comprehensive and collision coverage and $100 policy deductibles.

But there is a high likelihood that you may not be 30 years old (or even female), married instead of single, or maybe your driving record isn’t squeaky clean. Every car insurance policy is unique to the driver, so the best way to quote the cheapest rates for your Hyundai is to make a habit of comparing prices at least once a year. Get a free quote now and you will receive price comparisons from the best companies around.

Compare Hyundai Elantra Insurance Rates

The specific trim level will likely have an effect on the cost of coverage, so the price you will be charged to insure a Elantra GLS Touring Station Wagon trim level will be $122 lower than the insurance cost for the more costly Elantra SE Touring Station Wagon model, as demonstrated by the prices below.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Information does not factor in specific zip code location which can modify prices substantially.

Selecting a high-quality car insurance provider can be a challenge considering how many different companies sell coverage in Hawaii. The company information shown next may help you pick which companies you want to consider when shopping around. The ratings below only include companies with a nationwide focus, so smaller companies are not included in these rankings.

Top 10 Major Auto Insurance Providers in Hawaii Ranked by Claims Service

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

Top 10 Major Auto Insurance Providers in Hawaii Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. State Farm – 90%
4. Nationwide – 90%
5. The Hartford – 89%
6. GEICO – 89%
7. Liberty Mutual – 88%
8. Allstate – 88%
9. Esurance – 87%
10. Progressive – 87%

Top Companies for Hyundai Elantra Insurance in Hawaii

Rate increases following a ticket or accident

One of the best ways to find the most affordable car insurance rates in Hawaii for an Elantra is to be a good driver and avoid accidents and violations. The chart below shows how speeding tickets and at-fault claims can influence insurance premiums for different age categories. The premiums assume a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2709,2953,4967],[‘Age 30’, 1875,2117,4133],[‘Age 40’, 1737,1979,3997],[‘Age 50’, 1519,1765,3777],[‘Age 60’, 1469,1713,3729],[‘Age 70’, 1713,1957,3971]]);var options = {title: ‘Impact of Tickets and Accidents on Hawaii Hyundai Elantra Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Elantra in Hawaii’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of car insurance in Hawaii per year with no accidents and a clean driving record is $1,837. Add in one speeding ticket and the average cost surges to $2,081, an increase of $244 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Hyundai Elantra increases to an average of $4,096. That’s an increase of $2,259, or $188 per month, just for being a little careless behind the wheel!

Liability-only versus full coverage

Finding cheap insurance for a Hyundai Elantra in Hawaii is probably important to the majority of drivers, and one good way to buy cheap insurance is to buy only liability coverage. The illustration below illustrates the comparison of premium costs with full coverage compared to only the Hawaii minimum liability coverage. Data assumes no violations or claims, $100 deductibles, drivers are not married, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3359,945],[‘Age 30’, 1707,523],[‘Age 40’, 1711,485],[‘Age 50’, 1553,453],[‘Age 60’, 1503,447],[‘Age 70’, 1819,595]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Elantra in Hawaii’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an extra $1,942 per year more than insuring for liability only. That proposes the question when is the right time to remove full coverage. There is no clear-cut formula for eliminating full coverage, but there is a general school of thought. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your vehicle’s claim settlement value is $7,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,500 after the deductible is paid. If premiums are more than $650 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some scenarios where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.