The car, truck, or SUV you are insuring is one of the primary factors that determines whether or not you find cheap auto insurance for good drivers. Vehicles with limited top-end speed, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models. The data below showcases coverage costs for a handful of the most economical vehicles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape Limited 4WD||$909|
|Honda CR-V EX-L 2WD||$936|
|Dodge Grand Caravan SE||$938|
|Ford F-150 XL Super Cab 4WD||$946|
|Ford Edge Limited 2WD||$973|
|Chevrolet Equinox LT AWD||$991|
|GMC Sierra SLE Crew Cab 2WD||$1,000|
|Ford Explorer Eddie Bauer 4WD||$1,010|
|Hyundai Elantra Blue 4-Dr Sedan||$1,026|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,041|
|Honda Odyssey EX W/Rear Entertainment||$1,059|
|Volkswagen Jetta SE 4-Dr Sedan||$1,063|
|Compare Cheap Rates Go|
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in specific location which can raise or lower price quotes greatly.
Looking at the data, you can see that vehicles like the Ford Escape, Honda CR-V, Dodge Grand Caravan, and Ford F-150 should be some of the most economical vehicles to insure for safe drivers.
Finding reliable, budget car insurance is not always easy, and figuring out which companies offer the best auto insurance rates for good drivers takes even more rate comparisons.
Every auto insurer has their own process for determining rates in each state, so we’ll take a look at the auto insurance companies with the most affordable rates in Hawaii.
Compare Cheap Insurance Quotes for Good Drivers
|Rank||Company||Cost Per Year|
|7||First of Hawaii||$1,947|
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USAA normally has some of the most affordable car insurance rates in Honolulu at around $926 each year. This is $670 less than the average premium paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive would also make the list of some of the most economical Honolulu, HI auto insurance companies.
As shown above, if you are a customer of Liberty Mutual and switched to USAA, you might achieve annual savings of around $523. Hawaii drivers with Progressive could save as much as $634 a year, and Allstate policyholders might reduce prices by as much as $1,000 a year.
To discover how much you can save, click here to begin a quote or visit any of the low-priced companies below.
It’s important to note that these rates are averages across all drivers and vehicles and and are not figured with a specific zip code for good drivers. So the company that is best suited for you may not even be in the list above. That illustrates why you need to quote rates from many companies using your own individual information.
The diagram below demonstrates how choosing different deductibles can increase or decrease yearly insurance costs when trying to find cheap insurance for good drivers. The information is based on a married male driver, full coverage, and no discounts are factored in.
A 30-year-old driver could reduce rates by $204 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $310 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, could possibly save as much as $616 or even more just by choosing higher deductibles. When choosing a higher deductible, it’s a good idea to have plenty of savings on hand to be able to cover the extra out-of-pocket expense that comes with higher deductibles.
Honolulu auto insurance companies ranked
Picking a highly-rated car insurance company can be difficult considering how many different companies insure vehicles in Hawaii. The ranking data below may help you decide which car insurance providers to look at when shopping car insurance rates for good drivers.
The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Hawaii or surrounding areas will not be included in the list. If you wish to compare rates from these and other companies in Hawaii, just click here.
Top 10 Large Auto Insurance Providers Overall in Honolulu
- American Family
- State Farm
- The Hartford
- AAA Insurance
- Liberty Mutual
Top 10 Large Auto Insurance Providers in Honolulu Ranked by Customer Satisfaction
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- Liberty Mutual – 88%
- Allstate – 88%
- Esurance – 87%
- Progressive – 87%
How to find low-cost car insurance for good drivers
The list below shows some thrifty ideas that can help Honolulu drivers buy cheaper coverage.
- Vehicles with good safety ratings are usually cheaper to insure
- Buying home and auto together can help save money
- If your vehicles are older, consider dropping full coverage
- Drive attentively and avoid accidents
- Better credit rating means better rates
- Look for cheaper rates once a year by shopping around
The last suggestion is especially vital, as we stressed in this article. Prices charged by auto insurers adjust often, so drivers shouldn’t hesitate to buy from a different company if a cheaper rate is available.
Having brand loyalty is commendable, but we do not recommend it if that devotion results in you overpaying potentially thousands of dollars a year. If you have a few minutes, now is a great time to shop around to find cheaper car insurance for good drivers in Honolulu.