What Car Insurance is Cheapest for Uninsured Drivers in Honolulu?

Finding out which company offers the best car insurance rates for uninsured drivers takes a little more effort than just getting one or two price quotes. Each insurer uses a little different formula for determining rates in each state, so to begin we’ll rank the car insurance companies with the overall cheapest rates in Honolulu.

It’s important that you understand Honolulu, HI car insurance rates are influenced by many factors that control your annual premium. Getting older, marrying your spouse, or getting a DUI can trigger changes in premium resulting in some rates now being more affordable than others.

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Hawaii car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $954
2 State Farm $1,120
3 GEICO $1,335
4 Liberty Mutual $1,406
5 Progressive $1,608
6 Allstate $1,926
7 First of Hawaii $1,987
8 AIG $2,469
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USAA may have some of the cheapest car insurance rates in Honolulu at around $954 a year. This is $642 less than the average price paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive would also be considered some of the more affordable Honolulu, HI insurance companies.

In this example, if you currently have a policy with Liberty Mutual and switched to State Farm, you may see an annual savings of in the neighborhood of $286. Drivers with Progressive could save as much as $488 a year, and Allstate customers might see rate reductions of $806 a year.

If you would like to find cheaper car insurance rates, click here to start your free quote or click through to the companies below.

Understand that those prices are averaged for all drivers and vehicles and do not take into consideration a specific zip code for uninsured drivers. So the company that fits you best may not even be in the list above. That’s why you need to compare rates from multiple companies using your own specific driver information and vehicle.

The make and model of vehicle driven is a large factor when consumers are trying to find cheap auto insurance for uninsured drivers. Vehicles with lower performance, good crash test ratings, or low incidents of liability claims will cost much less to insure than high performance models. The list below showcases insurance costs for a handful of the most affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure in Honolulu, HI
Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $789
Honda Accord LX 4-Dr Sedan $904
Honda CR-V EX-L 4WD $924
Toyota RAV4 4WD $934
Chevrolet Equinox LT 2WD $940
Chevrolet Malibu Hybrid $934
Jeep Grand Cherokee Laredo 2WD $944
Ford Explorer Eddie Bauer 4WD $953
Volkswagen Jetta S 2.5 Station Wagon $981
Toyota Corolla S $983
GMC Sierra SLE Crew Cab 2WD $1,001
Ford F-150 Lariat King Ranch 4WD $1,019
Ford Fusion Sport AWD 4-Dr Sedan $1,070
Toyota Prius $1,076
Dodge Grand Caravan Crew $1,092
Ford Focus SES 4-Dr Sedan $1,108
Toyota Tacoma 2WD $1,124
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Prices 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 safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Price information does not factor in specific garaging location which can modify rates significantly.

Based upon these rates, we can presume that cars like the Ford Escape, Honda Accord, Honda CR-V, Toyota RAV4, and Chevrolet Equinox are likely to be some of the less-costly vehicles to insure for drivers with no prior coverage.

The illustration below highlights how deductible choice can raise or lower premium costs when researching cheap insurance for uninsured drivers. The rates are based on a single male driver, comp and collision included, and no discounts are applied.

The data above shows that a 40-year-old driver could cut expenses by $260 a year by increasing from a $100 deductible up to a $500 deductible, or save $392 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old example, can cut $858 or more by using higher deductibles when buying full coverage.

When using a larger deductible, it is important to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Discounts on Honolulu auto insurance

Car insurance for drivers with no prior coverage in Honolulu, HICar insurance companies that offer cheap quotes for uninsured drivers may also provide premium discounts that can lower rates by as much as 40% or more if you meet certain criteria. A list of companies and a partial list of their discounts can be read below.

The chart below visualizes the comparison of yearly insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no violations or claims, Hawaii state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, accident-free, marriage, passive restraint, vehicle safety, and safe-driver discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for uninsured drivers is 28% or $309.

Finding the right auto insurance provider can be challenging considering how many choices drivers have in Honolulu. The company ratings listed below could help you decide which auto insurance companies you want to consider when shopping insurance around for uninsured drivers. The ratings below only include the largest auto insurers in America, so smaller regional companies are not included in these rankings.

Top 15 Car Insurance Companies for Uninsured Drivers 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

If you have questions and prefer to have a little guidance when shopping for cheaper insurance for drivers with no prior coverage, the agencies below can probably provide answers to your questions and help you determine which auto insurance policy would work best for you. To locate a Honolulu auto insurance agent closest to you, click the button at the bottom of the list or click here to compare rates now.

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How to find the cheapest car insurance for uninsured drivers

The list below summarizes many penny-pinching suggestions that can help drivers get cheap coverage.

The last idea is extraordinarily significant, as we stressed in this article. Rates fluctuate considerably, so don’t be tentative to switch carriers if a better rate can be found. Having brand loyalty is commendable, but it’s not a great idea if your bullheadedness ends up costing you hundreds every year. If you have a few minutes, shop around to find cheaper insurance for uninsured drivers in Honolulu.