Who Has Affordable Honolulu Car Insurance Quotes for Felons?

The vehicle model that is being insured is a large factor when shopping around for the most affordable auto insurance for felons. Vehicles with high performance engines, poor crash test ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models.

The information below features coverage costs for the more affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Honolulu, HI
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $789
Ford Escape Limited 2WD $924
Chevrolet Malibu LS $934
Volkswagen Jetta S 4-Dr Sedan $942
Ford F-150 XL Regular Cab 2WD $938
Dodge Grand Caravan SXT $953
Ford Focus SEL 4-Dr Sedan $965
Toyota Corolla XLE $983
Chevrolet Impala LTZ $990
Honda CR-V EX-L 2WD $991
Nissan Altima Hybrid 4-Dr Sedan $1,001
Toyota Prius $1,010
Jeep Grand Cherokee Limited 2WD $1,001
Chevrolet Equinox LTZ 2WD $1,009
GMC Sierra SLT Extended Cab 2WD $1,001
Hyundai Sonata GLS 4-Dr Sedan $1,010
Hyundai Elantra SE Touring Station Wagon $1,051
Kia Optima EX $1,068
Toyota RAV4 Limited 4WD $1,072
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,088
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can change premium rates noticeably.

Based upon these rates, we can presume that makes and models like the Honda Accord, Ford Escape, and Chevrolet Malibu are a few of the most economical vehicles to insure for felons.

One of the more important considerations that aid in calculating the amount you pay each year for auto insurance is where you keep your vehicle in Honolulu. Areas with more people or more claims tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of lower rates.

The next table rates the most costly cities in Hawaii for felons to buy auto insurance in. Honolulu comes in at #4 with a yearly premium of $1,047 for the average insured, which is about $87 each month.

Car insurance prices in Honolulu
Rank City Annual Premium
1 Hilo $1,098
2 Ewa Gentry $1,057
3 Kailua $1,052
4 Honolulu $1,047
5 Schofield Barracks $1,047
6 Nanakuli $1,047
7 Waimalu $1,047
8 Pearl City $1,047
9 Ewa Beach $1,046
10 Makakilo $1,046
11 Royal Kunia $1,026
12 Lahaina $1,026
13 Wailuku $1,016
14 Waipahu $1,015
15 Mililani Mauka $1,005
16 Mililani Town $1,005
17 Kaneohe $1,005
18 Halawa $1,005
19 Wahiawa $1,005
20 Waianae $1,005
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Prices are approximated as vehicle location can affect prices noticeably.

Insuring your vehicle with the best car insurance provider can be a challenge considering how many different insurance companies sell coverage in Hawaii. The information below may help you choose which insurers to look at comparing rates from. The ratings below include large, nationwide insurance companies, so smaller regional companies are not included in the list.

Top Auto Insurance Companies for Felons in Honolulu, HI
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

The information below shows how choosing a deductible can raise or lower insurance prices when trying to find cheap insurance for felons. The data assumes a single male driver, comp and collision included, and no discounts are factored in.

The chart above illustrates that a 40-year-old driver could reduce rates by $218 a year by increasing from a $100 deductible up to a $500 deductible, or save $328 by using a $1,000 deductible. Young drivers, like the Age 20 category, could reduce their rates $714 every year just by choosing higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it will now be necessary to have enough spare savings to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Do you need full coverage?

Finding the cheapest auto insurance is important to the majority of vehicle owners, and one of the fastest ways to buy cheap insurance for felons is to only buy liability insurance. The example below compares auto insurance rates with full physical damage coverage compared to only buying liability only. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no other discounts are factored in.

If we average the cost for all age groups, comp and collision coverage costs $1,488 per year more than buying just liability insurance. Many people question if buying full coverage is worth the money. There isn’t a steadfast formula for excluding physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

How to find budget-friendly auto insurance for felons

Below you’ll find some of the better money-saving ideas that can help drivers get cheaper car insurance.

The last idea is very valuable, as we hit on in the prior article. Prices charged by companies in Honolulu fluctuate constantly, so don’t hesitate to switch companies if a cheaper rate is available. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that faithfulness ends up costing you money that could be spent on other things. Spend a few minutes and shop around and find cheaper car insurance for felons.

If you prefer to get help from a professional when shopping for the best coverage for felons, the professional agents shown below can most likely help you make a decision which coverages and limits you need.

To locate an agency in your neighborhood, click the button following the list or click here to compare rates now.

Allstate Insurance: Boyd Kauhane
1682 Kalakaua Ave #1Honolulu, HI 96826(808) 638-3673

Sean Huh – State Farm Insurance Agent
23 S Vineyard Blvd #205Honolulu, HI 96813(808) 528-0001

Doug Kam-Young – State Farm Insurance Agent
2841 Kaonawai PlHonolulu, HI 96822(808) 988-7011

John H Connors Insurance
500 Ala Moana Blvd # 2303Honolulu, HI 96813(808) 534-7300

Suzette Rudolf Trehern – State Farm Insurance Agent
7192 Kalanianaole Hwy g210Honolulu, HI 96825(808) 395-3434

View map of Honolulu, HI insurance agents