How Much are Auto Insurance Quotes for Uninsured Drivers in Hawaii?

Wouldn’t it be perfect if we could tell you instantly the single best company that has the best rates for uninsured drivers? It’s just not that easy, however, as there are a whole slew of unknown factors like if your driving record is clean, the level of liability coverage you want, if your vehicle is used to commute, and whether you are married, that all have an effect on the price. In this article, we will teach you about some of these criteria and will hopefully give the reader a good start in finding the cheapest car insurance.

The make and model of vehicle driven is probably the most important factor when looking for cheap car insurance for uninsured drivers in Hawaii. Vehicles with high performance, a lack of safety features, or high incidents of liability claims will cost quite a bit more to insure than safer models.

The next lists presents insurance rates for a number of the most budget-friendly vehicles to buy insurance for.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Hawaii which can influence price quotes considerably.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in Hawaii location which can impact price quotes noticeably.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in specific zip code location which can decrease or increase prices greatly.

Buying low-priced insurance is not most people’s favorite thing to do, and figuring out which companies quote the lowest-priced auto insurance rates for uninsured drivers will involve even more shopping around. Each insurance company has their own guidelines for determining rates in each state, so to begin we’ll rank the auto insurance companies that tend to have lower prices in Hawaii.

Lowest Insurance Price Quotes in Hawaii

Compare Rates and Save

USAA may have some of the lowest car insurance rates in Hawaii at around $926 per year. State Farm, GEICO, Liberty Mutual, and Progressive also make the cut as some of the cheaper Hawaii auto insurance companies.

In the above rates, if you have coverage with GEICO and switched to USAA, you could earn an annual savings of in the neighborhood of $450. Hawaii drivers with Liberty Mutual could save as much as $538 a year, and Progressive policyholders might realize rate reductions of up to $634 a year.

It’s important to note that these policy prices are averages across all insureds and vehicles and and are not figured with a rate discount for uninsured drivers. So the auto insurance company that fits you best may not even be included in the list of companies above. That is why you need to get quotes using your own driver and vehicle profiles.

Discounts on cheap car insurance for uninsured drivers in Hawaii

Insurance companies that offer coverage for uninsured drivers may additionally offer price discounts that could lower prices by as much as 40% or more if you meet eligibility requirements. Large auto insurance companies and some of their more popular discounts can be read below.

The chart below visualizes the comparison of annual premium costs with and without discounts applied to the policy premium. The prices are based on a male driver, no driving violations, no at-fault accidents, Hawaii state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, multiple vehicle, vehicle safety, marriage, anti-theft, and claim-free discounts applied. When these discounts are applied, the the average amount saved on auto insurance for uninsured drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2337,1685],[‘Age 30’, 1225,893],[‘Age 40’, 1205,877],[‘Age 50’, 1101,799],[‘Age 60’, 1065,773],[‘Age 70’, 1299,939]]);var options = {title: ‘Insurance Rate Comparison with Discounts for Uninsured Drivers’,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);}

Cheapest insurance quotes for drivers with no prior coverage

There are quite a few ways to compare auto insurance prices in Hawaii, but the most popular ways are through a captive (or exclusive) agent such as State Farm or Allstate, an independent or non-exclusive agent, or from a direct company like Progressive.

Each way is similar, but they differ slightly in how they provide price quotes.

Independent agents are appointed by several companies and can provide price quotes from every one. These types of agents are not limited to a single company and can give you a larger rate selection, which may provide you with a better chance of saving money. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.

An exclusive ageny is usually restricted to a single insurance company, two examples are an Allstate or Liberty Mutual agent. Exclusive agents normally do not have the ability to provide a range of price quotes, so they really need to provide good service.

When you buy auto insurance direct, you forego local agents and buy direct from companies such as Esurance or Progressive. Shopping direct is good for drivers who do not have complex finances and have some degree of understanding of what auto insurance covers and what it doesn’t.

So which of the methods works best to find cheap car insurance for uninsured drivers in Hawaii? The obvious answer would be buying from a direct car insurance company results in the best prices since that prevents the need to pay agent commissions, but that is generally not the case. It could also be said using an independent agent saves the most money since there are more companies to choose from, but that idea is not necessarily true either. In many circumstances, the exclusive agents may have very competitive prices well below independent agents AND direct companies.

Because there is so much variation in auto insurance prices, the only true way to not overpay for auto insurance is to get rate quotes and compare. We highly recommend getting rate quotes from all three to get a good idea who is cheapest. For a list of auto insurance companies with low rates, click here to view.

How to find low-cost insurance for uninsured drivers

It’s not impossible to find cheaper rates, and here are a few penny-pinching solutions that can help drivers buy low-cost coverage.

• Save money by obeying traffic laws and keeping a clean driving record
• Buying car and homeowners insurance together can save money
• Drive a car with a high safety rating
• Avoid having at-fault accidents
• Avoid price increases by not filing claims
• Shop around for cheaper prices often

The last item on the list is extraordinarily crucial, as was pointed out in the article above. Prices charged by auto insurers change a lot, so drivers shouldn’t hesitate to change to a new company if a more affordable price is available. Loyalty to a specific company is fine, but is isn’t recommended if that devotedness results in you overpaying thousands of dollars over several years. Spend a few minutes and compare rates and find cheaper car insurance for uninsured drivers.