Who Has Cheap Car Insurance Quotes for Seniors in Hawaii?

It’s hard to miss the captivating ads from insurers like Farmers and GEICO that say if you switch you’ll get the cheapest price, so drivers just need to pick the one with the best commercial, right?

Unfortunately, it’s not that simple as there are a whole bunch of unknown elements like the amount of liability coverage you want, your date of birth, and if you are single or married, that all factor into the price you pay. If you keep reading, we will teach you about the best ways to avoid high prices and will hopefully give you a good start in finding the cheapest car insurance in Hawaii.

The vehicle model to be insured is one of the largest considerations that determines whether or not you can buy cheap car insurance for seniors in Hawaii. Vehicles with high performance, a lack of safety features, or high incidents of liability claims will cost much more to insure than safer models.

The next list presents car insurance rates for a handful of the more afforable automobiles to buy insurance for.

Data rating is based on married male driver age 60, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rates do not factor in vehicle garaging location which can modify premium rates substantially.

Based upon these rates, we can infer that models like the Hyundai Elantra, Jeep Wrangler, Honda CR-V, and Ford Escape will definitely be a few of the most budget-friendly vehicles to insure for senior citizens.

Deciphering which company has the lowest-priced car insurance rates for seniors will take a tad more effort than just comparing a company or two. Every car insurance company has their own guidelines for setting rates, so we’ll take a look at the car insurance companies with the overall best prices in Hawaii.

We do need to point out that Hawaii car insurance rates are impacted by many things which can significantly increase or decrease the price you pay. Simply getting older, buying a new vehicle, or getting a speeding ticket can produce rate changes that may make certain companies much cheaper than others.

Best Insurance Companies for Mature Drivers

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USAA may have some of the cheapest car insurance rates in Hawaii at around $964 each year. State Farm, GEICO, Liberty Mutual, and Progressive are also some of the cheapest Hawaii auto insurance companies.

As shown in the table above, if you currently buy coverage from Liberty Mutual and switched to State Farm, you may realize yearly savings of in the vicinity of $297. Insureds with Progressive may save as much as $515 a year, and Allstate policyholders might see rate reductions of $817 a year.

It’s important to note that these prices are averaged for all insureds and vehicles and do not take into consideration a rate discount for seniors. So the car insurance company that can offer you the best price may not even be in the above rate chart. That underscores the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.

For senior citizens, one of the more important factors that is looked at to determine the annual cost of car insurance is your zip code. Areas with high crime rates or more dense population like Hilo, Makakilo, and Waipahu will most likely pay more, whereas areas that tend to be more rural benefit from lower coverage costs.

The information below sorts the most expensive cities in Hawaii for seniors to buy an auto insurance policy in.

Premium costs are approximated as specific Hawaii garaging address can revise coverage prices greatly.

Geico vs Allstate vs State Farm vs Progressive

If you’re looking for the best auto insurance for senior citizens in Hawaii, the companies with the most market share are Geico, Allstate, State Farm, and Progressive. All of them offer physical damage and liability coverage, but each has slightly different coverage options that shoppers can select from. The next table points out some of the different options that are available from each company.