What Car Insurance is Cheapest for Infrequent Drivers in Honolulu?

Finding decent, affordable insurance is challenging, and determining which companies quote the lowest-priced car insurance rates for infrequent drivers may require additional perseverance. Each insurer has a proprietary method for determining prices, so we need to take a look at the lowest cost car insurance companies in Honolulu.

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Cheapest insurance companies in Hawaii
Rank Company Cost Per Year
1 USAA $964
2 State Farm $1,109
3 GEICO $1,335
4 Liberty Mutual $1,421
5 Progressive $1,624
6 Allstate $1,984
7 First of Hawaii $1,987
8 AIG $2,397
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USAA may offer some of the best car insurance rates in Honolulu at around $964 each year. This is $632 less than the average rate paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive also qualify as some of the most economical Honolulu, HI insurance companies.

As shown above, if you are currently insured with Progressive and switched to State Farm, you may see a yearly price reduction of approximately $515. Drivers with Allstate may save as much as $875 a year, and First of Hawaii insureds might lower prices by up to $878 a year.

Understand that those policy prices are averaged for all types of insureds and vehicles and are not factoring in an exact vehicle garaging location for infrequent drivers. So the insurer that has the cheapest price for you may not even be in the list above. That point stresses why you need to compare as many prices as possible using your own driver and vehicle profiles.

The car, truck, or SUV to be insured is a large factor when comparing the best car insurance for infrequent drivers. Vehicles with reasonable performance levels, a great safety record, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models. The information below ranks auto insurance costs for a selection of the cheapest vehicles to buy insurance for.

Cheapest Vehicles to Insure in Honolulu, HI
Insured Vehicle Estimated Cost for Full Coverage
Volkswagen Jetta S 2.5 Station Wagon $909
Honda CR-V EX 2WD $913
Honda Accord EX 4-Dr Sedan $922
Ford F-150 STX Regular Cab 2WD $919
Toyota Prius $927
Ford Escape XLT 4WD $936
Ford Focus S 4-Dr Sedan $973
Jeep Wrangler Sport 4WD 2-Dr $989
Toyota Camry LE $991
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,010
Toyota Corolla S $1,045
Ford Edge Sport AWD $1,051
Hyundai Elantra GLS 4-Dr Sedan $1,045
GMC Sierra SLE Crew Cab 2WD $1,082
Chevrolet Impala LS $1,092
Dodge Grand Caravan SXT $1,103
Ford Explorer Limited 4WD $1,110
Toyota RAV4 Sport 4WD $1,117
Ford Fusion S 4-Dr Sedan $1,127
Toyota Camry Hybrid $1,133
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in vehicle location which can increase or decrease insurance rates significantly.

Looking at the numbers, you can assume that cars like the Volkswagen Jetta, Honda CR-V, and Honda Accord should be some of the most economical vehicles to insure for low mileage drivers.

Full coverage or liability only

Reducing premiums for car insurance is important to the majority of drivers, and one of the fastest ways to save on the cost of insurance for infrequent drivers is to not insure for full coverage. The information below illustrates the comparison of auto insurance rates with and without full coverage. The price estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, single status, and no policy discounts are applied.

If the expense is averaged for all age categories, physical damage coverage costs $1,523 per year more than just insuring for liability. Many drivers may wonder when is the right time to remove full coverage. There is no set guideline of when to stop paying for physical damage insurance, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s assume your vehicle’s settlement value is $6,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,500 after the deductible is paid. If you are paying in excess of $550 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some scenarios where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage.

Finding the best company can be challenging considering how many choices you have in Honolulu. The ranking information in the next section could help you select which auto insurance companies to look at when shopping your coverage around.

These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Hawaii or surrounding areas are not included in this list. If you would like to check rates from many more Hawaii auto insurance companies, click here.

Best 15 Car Insurance Companies for Infrequent Drivers in Honolulu
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 chart below illustrates how your choice of deductibles can raise or lower insurance rates when searching for cheap insurance for infrequent drivers. Data assumes a single female driver, full physical damage coverage, and no discounts are applied.

As shown above, a 30-year-old driver could reduce rates by $288 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $434 by using a $1,000 deductible. Young drivers, such as the Age 20 example, could lower their rates as much as $640 or more just by choosing higher deductibles.

If you do decide to increase your deductibles, it is important to have additional funds in a savings account to offset the extra out-of-pocket expense that comes with higher deductibles.

If you aren’t sure which coverage to buy and prefer to get some professional advice when trying to find lower insurance rates for low mileage drivers, the agents below can help you determine which coverages are best. To find an auto insurance agency using an interactive map, click the link after the list.

Kevin Takahashi – State Farm Insurance Agent
1284 Kalani St d108Honolulu, HI 96817(808) 845-0069

Allstate Insurance: Rory Lee
575 Cooke St dHonolulu, HI 96813(808) 596-8333

Gwenette Higa – State Farm Insurance Agent
841 Bishop St #203Honolulu, HI 96813(808) 531-9918

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

More insurance agents in Honolulu, HI