How Much are Auto Insurance Rates for Teenage Females in Honolulu?

You have most likely watched the catchy commercials from car insurance companies like GEICO, Allstate, and The General that make claims of dirt cheap rates, so you just need to choose one randomly, right?

It’s just not that easy, however, as there are a whole bunch of unknown elements like your date of birth, whether you are female or male, and what your desired deductibles are, that all influence how much you pay for auto insurance. We are going to cover the best ways to avoid overpriced car insurance and will hopefully give you a jump start in finding the best auto insurance in Hawaii.

Finding dependable, budget insurance is not most people’s favorite thing to do, and determining which company has the most affordable insurance rates for teenage females involves additional perseverance. Every car insurance company has a unique formula to set premium rates, so we’ll take a look at the most budget-friendly insurance companies in Honolulu.

Keep in mind that Hawaii insurance rates are influenced by many factors that can increase the cost of coverage. Simply having a birthday, buying a new vehicle, or having an at-fault accident may prompt premium changes that can cause some rates to be more affordable than others.

Find the Cheapest Car Insurance for Teens

Click Here to Start Your Quote

Who has the cheapest car insurance in Hawaii?
Rank Company Cost Per Year
1 USAA $926
2 State Farm $1,087
3 GEICO $1,389
4 Liberty Mutual $1,421
5 Progressive $1,576
6 Allstate $1,926
7 First of Hawaii $1,928
8 AIG $2,373
Get a Custom Quote Go

USAA quotes some of the cheapest car insurance rates in Honolulu at around $926 a year. State Farm, GEICO, Liberty Mutual, and Progressive would also make the list of some of the lowest-priced Honolulu, HI auto insurance companies.

As illustrated above, if you are insured with Liberty Mutual and switched to State Farm, you might realize annual savings of approximately $334. Customers with Progressive might save as much as $489 a year, and Allstate customers might reduce rates by $839 a year.

To get a fast rate comparison, click here to start your free quote or feel free to get quotes from the companies below.

These premium estimates are averages for all types of insureds and vehicles and and are not figured with a vehicle location for teenage females. So the auto insurance company that is most affordable for your situation may not even be in the list above. That is why you need to get car insurance quotes using your own personal information and vehicle type.

For teen girls, one of the big things that help determine the cost of insurance is where you choose to live in Honolulu. Areas with more people or higher crime rates will most likely have higher rates, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.

The illustration below rates the most expensive areas in Hawaii for teenage females in which to buy car insurance. Honolulu is ranked at #5 with an annual premium of $1,047 for the average policyholder, which is around $87 monthly.

How much does car insurance cost in Honolulu, HI?
Rank City Average Per Year
1 Hilo $1,131
2 Kailua $1,052
3 Schofield Barracks $1,047
4 Mililani Mauka $1,047
5 Honolulu $1,047
6 Kapolei $1,047
7 Ewa Gentry $1,046
8 Ewa Beach $1,046
9 Kaneohe $1,036
10 Halawa $1,036
11 Wailuku $1,026
12 Lahaina $1,026
13 Kahului $1,016
14 Mililani Town $1,016
15 Waianae $1,016
16 Pearl City $1,016
17 Nanakuli $1,016
18 Royal Kunia $1,015
19 Makakilo $1,015
20 Waipahu $1,015
Find the Best Rates Go

Prices are comparative as the specific Honolulu residence address can increase or decrease coverage prices significantly.

The diagram below highlights how deductible choice can affect insurance rates when researching cheap insurance for teenage females. The data assumes a married female driver, comp and collision included, and no discounts are taken into consideration.

The chart above illustrates that a 50-year-old driver could reduce rates by $244 a year by increasing from a $100 deductible to a $500 deductible, or save $366 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could reduce their rates as much as $606 or even more just by choosing higher deductibles when buying full coverage. When increasing deductibles, it is essential to have enough savings set aside to offset the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Ratings for Hawaii insurance companies

Finding the best company can be difficult considering how many companies there are in Honolulu. The rank data shown next can help you pick which auto insurance companies to look at when shopping insurance around for teenage females. These ratings are for companies that insure vehicles across America, so companies without a large exposure are not included in the list.

Top 10 Major Auto Insurance Providers Overall in Honolulu

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. Progressive
  8. Allstate
  9. Nationwide
  10. Liberty Mutual

Impact of careless driving on insurance rates

The easiest method to receive cheap insurance rates for teen girls is to be a good driver and not get tickets or have accidents. The chart below demonstrates how citations and at-fault claims can increase insurance premiums for each age group. The premiums are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,178. Get written up for two speeding tickets and the average cost swells to $1,674, an increase of $497 each year. Next add one accident along with the two speeding tickets and the annual cost of insurance for teenage females increases to an average of $2,170. That’s an increase of $992, or $83 per month, just for not driving safely!