Who Has Affordable Car Insurance for High School Students in Honolulu?

Trying to buy cheap auto insurance is not most people’s favorite thing to do, and deciding which company quotes the cheapest insurance rates for high school students will take a little more work.

Every insurance provider uses slightly different criteria for determining prices, so we’ll take a look at the insurance companies with the most affordable rates in Honolulu, HI. It’s a good idea to be aware that Honolulu insurance rates are impacted by many factors that will increase or decrease the cost of having a policy. Simply having a birthday, becoming a homeowner, or getting a driving violation can trigger changes in premium that can cause some rates to be cheaper than others.

Best Auto Insurance Prices for Students

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USAA may have some of the most affordable car insurance rates in Honolulu at around $936 each year. State Farm, GEICO, Liberty Mutual, and Progressive are also some of the more affordable Honolulu, HI car insurance companies.

As depicted above, if you are insured with Liberty Mutual and switched to State Farm, you may see a yearly savings of roughly $373. Insureds with Progressive may save as much as $532 a year, and Allstate policyholders might realize rate reductions of up to $908 a year.

To see how much you can save, click here to get a free quote or quote prices from the following companies.

Bear in mind that those prices are averaged for all insureds and vehicles and do not factor in an exact location for high school students. So the insurer that has the cheapest price for you may not even be in the list above. That illustrates why you need to get car insurance quotes using your own specific driver information and vehicle.

The vehicle model driven is one of the largest factors that determines the availability of the cheapest insurance for high school students. Vehicles with high performance, a lack of safety features, or a history of substantial liability claims will cost significantly more to insure than more economical and safe models. The data below shows auto insurance prices for a handful of the most affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Honolulu, HI
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 2WD $2,978
Honda Accord EX 4-Dr Sedan $2,984
Honda CR-V EX-L 2WD $3,009
Toyota Prius $3,225
Dodge Grand Caravan SE $3,347
Ford F-150 XL Regular Cab 4WD $3,354
Volkswagen Jetta SE 2.5 Station Wagon $3,413
Chevrolet Impala LS $3,504
Honda Odyssey EX $3,511
Ford Edge SE AWD $3,504
Toyota RAV4 Limited 4WD $3,535
Ford Fusion S 4-Dr Sedan $3,542
GMC Sierra SLE Regular Cab 2WD $3,535
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Data rating is based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in vehicle location which can modify price quotes noticeably.

Looking at the data, we can expect makes and models like the Ford Escape, Honda Accord, Honda CR-V, and Toyota Prius are going to be some of the cheapest vehicles to insure for teenagers. The price for car insurance will tend to be more expensive anyway just due to the fact that there is more claim risk for high school students, but overall those specific models will probably have the lowest insurance rates that you’ll find.

Insuring your vehicle with a high-quality insurance company can be difficult considering how many choices you have in Honolulu. The company rank data shown next could help you choose which providers you want to consider shopping your coverage with. These ratings are for companies with a nationwide focus, so companies that may only write in Hawaii are not included in the list.

Honolulu, HI Insurance Company Rankings
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

Types of discounts on Honolulu car insurance rates

Save on insurance for teenagers in HonoluluAuto insurance companies that offer coverage for high school students may provide special discounts that could potentially reduce rates by 35% or more if you can meet the requirements. A few of the larger companies and some of their more popular discounts are shown below.

The example below illustrates the difference between car insurance costs with and without discounts applied to the premium. The costs are based on a female driver, no claims or violations, Hawaii state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, paid-in-full, paperless filing, vehicle safety, anti-theft, and continuous coverage discounts applied. When discounts are factored in, theaverage amount saved on insurance for high school students is 28% or $452.

How to find low-cost auto insurance for high school students

The list below summarizes some of the recommended penny-pinching ideas that can help drivers locate low-cost coverage.

The last item on the list is especially critical, as was pointed out in this piece. Insurance rates adjust frequently, so drivers shouldn’t hesitate to change to a new company if a better deal can be had.

Brand loyalty is not necessarily bad, but it isn’t a good idea if that dedication is costing hundreds every year. In just a couple of minutes you could compare rates and find cheaper auto insurance for high school students in Honolulu.