How Much are Auto Insurance Quotes for Low Mileage Drivers in Hawaii?

Our editors keep telling us that when writing about car insurance, the word affordable shouldn’t be used as a descriptor for auto insurance rates. Notwithstanding, cheap auto insurance for low mileage drivers can be hard to find. But don’t let us ruin your dream, because we will show you how you can find and buy auto insurance that you can fit into your budget.

Cost and performance of the vehicle that needs insurance is one of the largest factors when trying to find the most affordable coverage for low mileage drivers. Vehicles with economical engines, an excellent safety record, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models. The information below outlines auto insurance rates for a handful of the most budget-friendly vehicles to insure in Hawaii.

Data variables include single male driver age 50, 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. Premium amounts do not factor in Hawaii location which can change rates noticeably.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in vehicle location which can change coverage rates significantly.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price information does not factor in vehicle garaging location which can impact price quotes considerably.

When buying auto insurance for infrequent drivers, one of the key considerations that auto insurance companies use when figuring auto insurance rates is your address in Hawaii. Areas that are densely populated or have higher claim frequency like Hilo, Waipahu, and Schofield Barracks tend to pay slightly more, whereas areas that are not as densely populated generally pay lower auto insurance rates.

The table below displays the highest-priced areas in Hawaii for low mileage drivers to purchase car insurance in.

Premium amounts are approximated as the specific area where the vehicle is garaged can influence coverage prices considerably.

The information below highlights how deductible selection can influence insurance costs when getting quotes for cheap insurance for low mileage drivers. The data is based on a single male driver, full coverage, and no other discounts are factored in.

The chart above illustrates that a 30-year-old driver could reduce rates by $332 a year by changing from a $100 deductible to a $500 deductible, or save $498 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 category, could roll back prices $982 or even more just by choosing higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it is important to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Impact of citations and accidents on Hawaii insurance rates

In a perfect world, the ideal way to snag cheap insurance for low mileage drivers in Hawaii is to drive carefully and not have accidents or get tickets. The diagram below illustrates how speeding tickets and accident claims raise yearly insurance costs for each different age category. The prices are based on a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.

In the chart above, the average cost of auto insurance in Hawaii per year with no accidents or violations is $1,697. Factor in one speeding ticket and the average cost surges to $1,914, an increase of $217 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance for low mileage drivers goes up to an average of $2,516. That’s an increase of $819, or $68 per month, just for not driving attentively!

Who has the cheapest insurance quotes for infrequent drivers?

Drivers have a lot of ways to shop around for car insurance in Hawaii, but the most popular are through an exclusive insurance agency like Allstate or State Farm, a non-exclusive or independent agent, or direct from companies such as Geico or Progressive.

All three ways are similar, but they differ in how they work.

Independent agencies are appointed by several companies and can compare coverage rates with every one. They have the option to give you more rates, which may provide you with a better chance of saving money. If your premiums go up, they simply move the coverage in-house and you won’t have to switch agencies.

A captive or exclusive agent is contracted to one insurance company, a couple examples are an Auto-Owners or State Farm agent. These agents normally cannot quote prices from more than just one company, which will not provide a complete price comparison.

The third way to buy car insurance is direct which means you do not use local agents and instead shop buying direct from a company like Progressive or Esurance. Shopping direct is a good choice for people who do not have complex finances and have knowledge of what is covered and what is not.

So which method is best to buy cheap insurance for low mileage drivers in Hawaii? The obvious answer would be buying direct results in the cheapest price because there are no middleman commissions, but unfortunately, it’s not that simple. A valid argument could also be made that buying from an independent agent can save the most money since they have more companies to choose from, but that’s not always true, either. In the right set of circumstances, exclusive agencies may have very competitive prices that other car insurance companies cannot touch.

Due to the large number of rating factors, really the best method to buy the cheapest policy is to get as many comparison quotes as possible. We recommend you get rate quotes from independent agents, exclusive agents, and direct companies to give yourself plenty of rates to compare. For a list of companies offering online discounts in Hawaii, click here to view.

Find cheap insurance for low mileage drivers in Hawaii

The list below shows some of the better money-saving suggestions that can help drivers locate cheaper auto insurance.

• Accident-free drivers may qualify for discounts
• Don’t waste money on full coverage for older vehicles
• Maintain a clean driving record
• Lower rates by purchasing a safer vehicle
• Try to pay small claims out-of-pocket
• Bundle car and home insurance and save money
• Compare rates regularly to ensure the best deal

That last piece of advice is certainly important, as was affirmed in this piece. Auto insurance rates fluctuate constantly, so drivers shouldn’t hesitate to change to a new company if you find a cheaper price.

Brand loyalty is great, but we do not recommend it if that loyalty ends up costing big bucks every year. It takes less than five minutes to compare rates to find cheaper auto insurance for low mileage drivers.