Things would sure be easy if we could simply give you the name of the one best car insurance company that has the best deal on coverage in Hawaii. That is not the case, however, as there are a whole slew of unknowns such as what coverage limits you want, how old you are, how high your deductibles should be, and if you have a lapse in coverage, that all impact the price you pay. This article will detail the best ways to save on auto insurance and will give you a jump start in finding the best auto insurance in Honolulu.
Finding out which company offers the cheapest auto insurance rates for a learners permit will require more work in order to find coverage that fits your budget.
Each insurance company has a different process for setting prices, so we’ll go over the auto insurance companies with the overall best prices in Honolulu, HI. It’s a good idea to be aware that Hawaii auto insurance rates are impacted by many factors that can increase the price of your policy. Improving your credit rating, moving to a different location, or getting a speeding ticket can produce rate changes that can now make some companies cheaper than before.
Best Car Insurance Prices in Hawaii
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $926 |
| 2 | State Farm | $1,109 |
| 3 | GEICO | $1,348 |
| 4 | Liberty Mutual | $1,464 |
| 5 | Progressive | $1,560 |
| 6 | Allstate | $1,984 |
| 7 | First of Hawaii | $2,006 |
| 8 | AIG | $2,373 |
| Quote Your Rates Go | ||
USAA offers some of the lowest car insurance rates in Honolulu at around $926 a year. This is $670 less than the average policy premium paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive also make the cut as some of the best Honolulu, HI insurance companies.
As depicted above, if you are a policyholder with Liberty Mutual and switched to USAA, you might realize a yearly savings of around $538. Insureds with Progressive could save as much as $634 a year, and Allstate policyholders might lower prices by $1,058 a year.
To find the cheapest coverage for you, click here to begin a quote or visit any of the low-priced companies below.
It’s important to note that these premium estimates are averaged for all drivers and vehicles and and are not calculated with a specific zip code for a learners permit. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That’s why you need to compare as many prices as possible using your own specific driver information and vehicle.
One of the many things that are looked at to help calculate car insurance rates is where you call home in Honolulu. Areas with more people or more claims tend to have higher auto insurance costs, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.
The following table shows the priciest cities in Hawaii for a learners permit to buy auto insurance in. Honolulu comes in at #21 with the annual price of $1,005 for coverage, which is approximately $84 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Hilo | $1,109 |
| 2 | Makakilo | $1,057 |
| 3 | Kailua | $1,052 |
| 4 | Mililani Town | $1,047 |
| 5 | Halawa | $1,047 |
| 6 | Waianae | $1,047 |
| 7 | Mililani Mauka | $1,047 |
| 8 | Wahiawa | $1,047 |
| 9 | Royal Kunia | $1,046 |
| 10 | Waipahu | $1,046 |
| 11 | Ewa Gentry | $1,046 |
| 12 | Kaneohe | $1,036 |
| 13 | Pearl City | $1,036 |
| 14 | Nanakuli | $1,036 |
| 15 | Waimalu | $1,036 |
| 16 | Kihei | $1,016 |
| 17 | Schofield Barracks | $1,016 |
| 18 | Lahaina | $1,016 |
| 19 | Kapolei | $1,016 |
| 20 | Ewa Beach | $1,015 |
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Prices are estimated as the specific zip code location can alter price quotes considerably.
The car, truck, or SUV to be insured is one of the largest factors when trying to find the most affordable car insurance for a learners permit. Vehicles with average performance, good crash test ratings, or a positive history of liability claims will cost significantly less to insure than high performance models. The table below outlines auto insurance rates for a selection of the most budget-friendly automobiles to insure in Hawaii.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $3,009 |
| Ford Escape XLT 4WD | $3,019 |
| Jeep Wrangler Sport 4WD 2-Dr | $3,127 |
| Honda Accord EX-L 4-Dr Sedan | $3,196 |
| Toyota Prius | $3,225 |
| Ford F-150 STX Regular Cab 2WD | $3,317 |
| Volkswagen Jetta 2.0T Station Wagon | $3,413 |
| Honda Odyssey EX | $3,504 |
| Toyota Tacoma Double Cab 4WD | $3,535 |
| Chevrolet Equinox LT 2WD | $3,545 |
| Ford Fusion S 4-Dr Sedan | $3,535 |
| Toyota RAV4 4WD | $3,545 |
| Chevrolet Impala LT | $3,535 |
| Dodge Grand Caravan Crew | $3,563 |
| Ford Explorer Eddie Bauer AWD | $3,568 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $3,563 |
| Ford Focus SEL 4-Dr Sedan | $3,692 |
| Hyundai Elantra SE 4-Dr Sedan | $3,722 |
| Toyota Camry XLE | $3,730 |
| Toyota Corolla S | $3,722 |
| Find Cheaper Rates Go | |
Price data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific garaging location which can revise rates considerably.
Based upon the rates shown, you can conclude that cars like the Honda CR-V, Ford Escape, Jeep Wrangler, Honda Accord, and Toyota Prius are most likely going to be the most affordable vehicles to insure for new drivers. Car insurance rates will tend to be more expensive because of the fact that there is more risk for a learners permit, but generally speaking those vehicles will probably have the least expensive rates that you are likely to find.
How violations and accidents impact rates
One of the best ways to enjoy affordable auto insurance rates for new drivers is to be a careful driver and avoid accidents and traffic citations. The illustration below illustrates how traffic citations and accidents can influence insurance costs for each age group. The data is based on a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of car insurance in Hawaii per year with a clean driving record and no accidents is $1,080. Receive one speeding ticket and the average cost jumps to $1,255, an increase of $175 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a learners permit increases to an average of $2,773. That’s an increase of $1,693, or $141 per month, just for not driving attentively!
Discounts on Honolulu insurance
Insurers that provide policies for a learners permit may provide rate discounts that could reduce prices by as much as 25% or more if you qualify for them. A list of companies and some of their more popular discounts are:
- State Farm may have discounts that include good driver, good student, anti-theft, Steer Clear safe driver discount, multiple policy, and safe vehicle.
- Farmers Insurance includes discounts for bundle discounts, mature driver, distant student, pay in full, and good student.
- GEICO offers premium reductions for five-year accident-free, emergency military deployment, federal employee, anti-lock brakes, driver training, defensive driver, and multi-policy.
- American Family offers discounts including good driver, Steer into Savings, TimeAway discount, multi-vehicle, defensive driver, accident-free, and early bird.
- Nationwide discounts include multi-policy, Farm Bureau membership, defensive driving, accident-free, business or organization, family plan, and good student.
- Progressive policyholders can earn discounts including multi-policy, homeowner, online signing, continuous coverage, and good student.
The example below shows the difference between car insurance rates with and without discounts. The rate quotes are based on a male driver, no claims or driving citations, Hawaii state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paperless filing, good student, anti-theft, vehicle safety, passive restraint, and continuous coverage discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for a learners permit is 28% or $724.
How to find the cheapest auto insurance for a learners permit
It’s not impossible to find cheaper rates, and here are some thrifty suggestions that can help Hawaii drivers find cheap auto insurance.
- Accidents can significantly increase rates
- Vehicles with safetly features generally cost less to insure
- Just one traffic violation will increase your rates
- Increase your deductibles
- Do not insure for full coverage
- Good credit scores may make rates cheaper
- Comparison shop frequently
That last idea is very significant, as we stressed in the prior article. Coverage rates can be changed at any time, so drivers shouldn’t be reluctant to buy from a different company if a more affordable rate is found.
Having brand loyalty is commendable, but we do not recommend it if that stubbornness costs you a wad of cash every year. In just a couple of minutes you could compare prices and find cheaper car insurance for a learners permit in Honolulu.