How Much is Auto Insurance for 17 Year Olds in Hawaii?

The vehicle on the policy is a large factor when shopping for cheap insurance for 17 year olds in Hawaii. Vehicles with higher performance characteristics, poor safety ratings, or a track record of large liability claims will cost quite a bit more to insure than safer models.

The next table presents car insurance premiums for some of the more afforable automobiles to insure.

Data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can decrease or increase premium rates considerably.

By looking at the data, we can expect cars like the Honda CR-V, Honda Accord, and Ford Escape will be the cheaper vehicles to insure for teen drivers. Auto insurance rates will be more expensive because there is more risk for 17 year olds, but in general those vehicles will probably have the least expensive rates possible.

For teen drivers, one of the more important criteria that play a part in determining the cost of insurance is where your residence is. Cities with larger populations like Hilo, Halawa, and Pearl City will most likely have higher rates, whereas areas with less crime or weather claims have the benefit of cheap insurance for 17 year olds in Hawaii.

The following table shows the higher priced cities in Hawaii for 17 year olds in which to buy car insurance.

Rates are estimated as the specific zip code location can raise or lower premiums greatly.

Figuring out which companies quote the lowest-priced car insurance rates for 17 year olds calls for a bit more work in order to find the most economical policy. Every car insurance company has a different process to determine premium rates, so to begin we’ll rank the most competitive car insurance companies in Hawaii.

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USAA has some of the cheapest car insurance rates in Hawaii at around $936 per year. State Farm, GEICO, Liberty Mutual, and Progressive would also make the list of some of the cheaper Hawaii auto insurance companies.

As the example above demonstrates, if you buy coverage from GEICO and switched to USAA, you could realize savings of in the vicinity of $412. Policyholders with Liberty Mutual may save as much as $470 a year, and Progressive policyholders might realize rate reductions of up to $672 a year.

To find out how your current rates compare, click here or quote rates from the companies below.

Bear in mind that those prices are averages for all types of drivers and the different vehicles they drive and do not take into consideration a price surcharge for 17 year olds. So the car insurance company that is most affordable for your situation may not even be shown in the list of companies above. That emphasizes why you need to compare as many prices as possible using your own specific driver information and vehicle.

The information below illustrates how your choice of deductibles can raise or lower insurance costs when searching for cheap insurance for 17 year olds. The premiums are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

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As shown above, a 50-year-old driver could lower their policy premium by $220 a year by increasing from a $100 deductible up to a $500 deductible, or save $334 by choosing a $1,000 deductible. Younger drivers, such as the Age 20 example, could drop their prices up to $736 each year by choosing a larger deductible amount. If you do decide to increase your deductibles, it will be required to have enough savings set aside to be able to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Cheapest car insurance: State Farm, Geico, Allstate, or Progressive

When it comes to buying auto insurance for teen drivers in Hawaii, the top insurers to get price quotes from are State Farm, Geico, Allstate, and Progressive. When added together, they insure over 48% of all auto insurance policies in force. The following table illustrates some of the different options that are available from each company.