Who Has the Cheapest Car Insurance for Safe Drivers in Hawaii?

Our content editors always give us grief that when writing about auto insurance, the words “cheap” or “affordable” really shouldn’t be used anywhere in the article to describe car insurance prices. It’s just reality that cheap car insurance for safe drivers may be a thing of the past. We’ll try to make it up to you, because we are going to show you some ways you can still find coverage that is cheaper than your current policy.

We all like different vehicles, and the type of vehicle requiring insurance is probably the most important factor that determines if you can find the best insurance for safe drivers. Vehicles with higher performance characteristics, poor crash test ratings, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models. The information below ranks car insurance premiums for some of the most economical vehicles to insure in Hawaii.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific location information which can decrease or increase prices considerably.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in vehicle location which can lower or raise coverage prices substantially.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in garaging location in Hawaii which can modify rates considerably.

For good drivers, one of the more important considerations that aid in calculating the amount you pay each year for auto insurance is where you normally keep your vehicle. More populated areas like Hilo, Ewa Beach, and Schofield Barracks are more likely to pay higher prices, whereas areas with less traffic congestion and claims benefit from lower prices.

The table below sorts the most expensive areas in Hawaii for safe drivers to purchase a policy in.

Rate information is estimated as the specific zip code location can lower or raise coverage prices greatly.

Should you buy full coverage?

Finding the cheapest auto insurance for safe drivers in Hawaii is the goal of most drivers, and one great way to reduce the cost of insurance is to only buy liability coverage. The example below illustrates the comparison of insurance rates with and without full coverage. The premiums assume no violations or accidents, $100 deductibles, marital status is single, and no discounts are taken into consideration.

As an overall average, physical damage coverage costs $1,523 per year more than just insuring for liability. At some point, almost every driver questions if full coverage is worth the money. There is no exact formula to stop paying for physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.

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

When shopping around for car insurance, the four most popular companies are Geico, Allstate, State Farm, and Progressive. The data below shows ratings for price and service, as well as some optional coverages that may be available in your state.

How to find more affordable insurance for safe drivers

Here are a few thrifty ideas that can help drivers find cheap coverage.

• Having at-fault accidents will increase rates
• Violations and traffic tickets increase rates
• If possible, do not file small claims
• If your vehicles are older, consider dropping full coverage
• Raise deductibles
• Shop around and save

The last tip in the list is highly valuable, as we pointed out in this article. Prices charged by car insurance companies in Hawaii can be modified anytime, so don’t hesitate to change to a new company if a cheaper rate is available.

We understand brand loyalty, but it’s not a great idea if that inflexibility results in costing you hundreds every year. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for safe drivers.