The words “economical” and “insurance” really should not be used together, especially when trying to find the best car insurance rates after a speeding ticket. Because it’s not cheap, let’s start the ball rolling by going over some things that have an impact on car insurance rates, and find out if we can help you reduce the price of your next policy.
The type of vehicle driven is one of the primary factors when comparing quotes for cheap coverage after a speeding ticket. Vehicles with high performance, a lack of modern safety features, or a high likelihood of having liability claims will cost significantly more to insure than more modest models.
The next table features coverage rates for some of the most affordable automobiles to insure in Hawaii.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,179 |
| Honda CR-V LX 4WD | $1,184 |
| Toyota Prius | $1,309 |
| Chevrolet Impala LS | $1,366 |
| Toyota Camry LE | $1,393 |
| Dodge Grand Caravan Crew | $1,420 |
| Ford F-150 XLT Regular Cab 4WD | $1,455 |
| Hyundai Elantra SE Touring Station Wagon | $1,492 |
| Toyota RAV4 Sport 2WD | $1,539 |
| Nissan Altima 2.5 4-Dr Sedan | $1,549 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,550 |
| Chevrolet Malibu LT | $1,568 |
| Ford Explorer Limited 4WD | $1,577 |
| Ford Focus SE 2-Dr Coupe | $1,570 |
| Toyota Tacoma 2WD | $1,589 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,599 |
| Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD | $1,607 |
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Data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, and homeowner. Price information does not factor in specific Honolulu, HI garaging location which can impact rates substantially.
Looking at the data, makes and models like the Ford Escape, Honda CR-V, Toyota Prius, Chevrolet Impala, and Toyota Camry are likely to be some of the most economical vehicles to insure after a few driving violations.
One of the more important considerations that are used to help calculate the price you pay for insurance is where you call home in Honolulu. Cities with larger populations or higher claim trends will most likely pay more, whereas areas with less congestion benefit from lower coverage costs.
The table below ranks the most costly cities in Hawaii after a speeding ticket to purchase a policy in. Honolulu is listed at #12 with an annual rate of $1,016 for car insurance, which is approximately $85 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Hilo | $1,098 |
| 2 | Kailua | $1,062 |
| 3 | Waipahu | $1,057 |
| 4 | Ewa Beach | $1,057 |
| 5 | Wahiawa | $1,047 |
| 6 | Ewa Gentry | $1,046 |
| 7 | Mililani Mauka | $1,036 |
| 8 | Schofield Barracks | $1,036 |
| 9 | Nanakuli | $1,036 |
| 10 | Royal Kunia | $1,026 |
| 11 | Lahaina | $1,026 |
| 12 | Honolulu | $1,016 |
| 13 | Mililani Town | $1,016 |
| 14 | Pearl City | $1,016 |
| 15 | Makakilo | $1,015 |
| 16 | Kapolei | $1,005 |
| 17 | Waianae | $1,005 |
| 18 | Waimalu | $1,005 |
| 19 | Halawa | $1,005 |
| 20 | Kaneohe | $1,005 |
| Compare Rates Now Go | ||
Rates are approximated as the specific Honolulu residence address can change premiums considerably.
Deciphering which companies have the cheapest insurance rates after a speeding ticket may require a little more work in order to find the lowest price quote. Each company uses a different method for determining rates in each state, so we need to take a look at the most budget-friendly insurance companies in Honolulu, HI.
We do need to point out that Honolulu, HI insurance rates are impacted by many factors that can increase the price you pay. Getting older, getting divorced, or getting a speeding ticket can trigger changes in premium that can now make some companies more affordable than before.
Best Cheap Insurance Rates with Licence Points
USAA normally has some of the most affordable car insurance rates in Honolulu at around $936 annually. State Farm, GEICO, Liberty Mutual, and Progressive are also some of the best Honolulu, HI insurance companies.
In the above example, if you currently have coverage with Liberty Mutual and switched to State Farm, you may see savings of about $340. Insureds with Progressive might save as much as $515 a year, and First of Hawaii policyholders might lower prices by $838 a year.
Be aware that those prices are averages across all drivers and vehicles and are not factoring in an exact location after a speeding ticket. So the company that fits your age and vehicle best may not even be in the list above. That helps illustrate why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
Careless Honolulu drivers pay higher rates
The ideal way to get the most affordable insurance premiums in Hawaii after a few driving violations is to pay attention while driving and maintain a clean driving record. The illustration below illustrates how violations and fender-benders can increase insurance premiums for different age categories. The costs are based on a single male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
In the example above, the average cost of auto insurance in Honolulu per year with no accidents or violations is $2,074. Get one speeding ticket and the average cost increases to $2,335, an increase of $261 each year. Now add one accident along with the one speeding ticket and the 12-month cost of insurance after a speeding ticket goes up to an average of $3,078. That’s an increase of $1,004, or $84 per month, just for not driving carefully!
The diagram below illustrates how your choice of deductibles can impact premium costs when quoting cheap insurance after a speeding ticket. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are factored in.
As shown above, a 40-year-old driver could lower their car insurance rates by $210 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $318 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old example, could save $532 each year by choosing larger deductibles on their policy.
When using a larger deductible, it will now be necessary to have enough in a savings account to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Buying coverage from a highly-rated insurance provider can be a challenge considering how many companies are available to choose from in Hawaii. The company information shown next may help you decide which insurers you want to consider when shopping car insurance rates after a speeding ticket.
The ratings below are only made up of companies with a nationwide focus, so smaller companies that only insure vehicles in Hawaii are not factored into the list. To get price quotes from these companies and more, click this link.
Top 10 Major Car Insurance Companies Overall in Honolulu
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- Progressive
- Allstate
- Nationwide
- Liberty Mutual
The Honolulu, HI, insurance agents below can most likely help you decide which insurance coverage you need, since some drivers wish to have a professional recommendation when trying to find the best insurance rates after a speeding ticket. It can be hard to find the cheapest car insurance policy, so getting advice from a licensed agent can bring peace of mind knowing you have adequate coverage if you have an accident or claim.
To find a Honolulu insurance agency near you, click the button at the bottom.
- Dongbu Insurance
1440 Kapiolani Blvd # 950 – Honolulu, HI 96814 – (808) 942-5353 - Kevin Takahashi – State Farm Insurance Agent
1284 Kalani St d108 – Honolulu, HI 96817 – (808) 845-0069 - Allstate Insurance: Kirk Paterson
1259 S Beretania St Ste 1 – Honolulu, HI 96814 – (808) 593-8844 - State Farm: Darin Ono
1649 Liliha St – Honolulu, HI 96817 – (808) 834-2222
More insurance agents in Honolulu, HI
How to find budget-friendly car insurance after a speeding ticket
Here are some penny-pinching ideas that can help Hawaii drivers quote cheaper car insurance.
- Higher credit ratings may save you money
- Get cheaper liability coverage by choosing a safer vehicle
- Do not get tickets
- Increase your physical damage deductibles
- Avoid having at-fault accidents
- Compare rate quotes often
The final tip is notably necessary, as we pointed out in this article. Prices charged by car insurance companies change frequently, so you should be ready to change insurance companies if a lower-cost policy is available.
Staying with the same company for years is fine, but it’s not a great idea if that loyalty ends up costing major coinage every year. In just a few minutes you could shop around to find cheaper auto insurance after a speeding ticket in Honolulu.