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.
|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|
|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.
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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.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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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.
- At-fault accidents will increase rates
- Multi-policy discounts save money
- Remove physical damage coverage on older vehicles
- Improve your credit
- Buy a car with high safety ratings
- Shop around for cheaper prices often
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 #1 – Honolulu, HI 96826 – (808) 638-3673
Sean Huh – State Farm Insurance Agent
23 S Vineyard Blvd #205 – Honolulu, HI 96813 – (808) 528-0001
Doug Kam-Young – State Farm Insurance Agent
2841 Kaonawai Pl – Honolulu, HI 96822 – (808) 988-7011
John H Connors Insurance
500 Ala Moana Blvd # 2303 – Honolulu, HI 96813 – (808) 534-7300
Suzette Rudolf Trehern – State Farm Insurance Agent
7192 Kalanianaole Hwy g210 – Honolulu, HI 96825 – (808) 395-3434