Who Has Cheap Auto Insurance Quotes for Government Employees in Honolulu?

For state and federal workers, one of the more important considerations that determine insurance cost is the neighborhood you call home in Honolulu. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas less populated areas tend to receive cheaper rates.

The illustration below shows the highest-priced areas in Hawaii for government employees to purchase car insurance in. Honolulu is ranked at #16 with an annual cost of $1,016 for coverage, which is around $85 per month.

How much does car insurance cost in Honolulu, HI?
Rank City Annual Premium
1 Hilo $1,142
2 Kailua $1,062
3 Ewa Gentry $1,057
4 Royal Kunia $1,057
5 Kapolei $1,047
6 Waimalu $1,047
7 Kaneohe $1,047
8 Mililani Mauka $1,047
9 Ewa Beach $1,046
10 Pearl City $1,036
11 Kahului $1,026
12 Waianae $1,016
13 Mililani Town $1,016
14 Kihei $1,016
15 Nanakuli $1,016
16 Honolulu $1,016
17 Waipahu $1,015
18 Makakilo $1,015
19 Wahiawa $1,005
20 Halawa $1,005
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Price information shown is comparative as the vehicle garaging location can change price quotes greatly.

Deciding which company has the lowest-priced insurance rates for government employees takes a little more sweat than just quoting one company’s rates.

Each auto insurer has a unique formula for determining prices, so let’s take a look at the lowest cost insurance companies in Honolulu. It’s important to know that Honolulu insurance rates are based on many factors that will increase or decrease your annual premium. Simply getting older, marrying your spouse, or getting a DUI may cause policy rate changes resulting in some rates now being cheaper than others.

Cheap Insurance Rates in Hawaii

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Hawaii car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $926
2 State Farm $1,120
3 GEICO $1,348
4 Liberty Mutual $1,449
5 Progressive $1,624
6 Allstate $1,906
7 First of Hawaii $2,006
8 AIG $2,373
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USAA normally has some of the lowest car insurance rates in Honolulu at around $926 annually. State Farm, GEICO, Liberty Mutual, and Progressive would also be considered some of the cheapest Honolulu, HI car insurance companies.

As the example above demonstrates, if you currently buy coverage from Liberty Mutual and switched to USAA, you might see savings of upwards of $523. Policyholders with Progressive might save as much as $698 a year, and Allstate customers might see rate reductions of $980 a year.

To find the cheapest rates for your vehicle, click here to get a free quote or visit any of the low-priced companies below.

It’s important to note that these policy rates are averages for all drivers and vehicles and and are not calculated with a specific zip code for government employees. So the insurer that has the cheapest price for you may not even be in the list above. That helps illustrate why you need to compare rates from multiple companies using your own driver data and vehicle information.

The chart below illustrates how choosing a deductible can increase or decrease insurance costs when trying to find cheap insurance for government employees. The premiums are based on a married male driver, full coverage, and no discounts are applied.

The chart above illustrates that a 30-year-old driver could pocket $204 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $310 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, have the ability to save $616 or more by selecting a higher deductible. When using a larger deductible, it will be important to have additional funds in a savings account to be able to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Insurance company ratings

Choosing a highly-rated insurance provider can be challenging considering how many companies are available to choose from in Honolulu. The company information shown below could help you decide which companies you want to consider comparing rates from.

The ratings below are for the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not taken into consideration for these rankings. To get rate quotes from these and other top-rated companies, simply click here.

Top Ten Insurance Companies for Government Employees 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
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Data Source: Insure.com Best Car Insurance Companies

The benefit of shopping around

Honolulu insurance rates are impacted by many things which can substantially change the price you have to pay for coverage. Simply having a birthday, buying a home instead of renting, or getting a DUI can trigger changes in premium that can cause some rates to be more affordable than the competition.

In addition to those changes, companies change rates as often as every three months to adjust for unexpected claims or profits. Higher than normal claims can cause increased policy costs, while a better claims history can produce more affordable Honolulu car insurance rates.

As an example, the data below shows the company with the cheapest car insurance in Honolulu, HI for a 35-year-old male driver with a good driving record, no prior claims, and good financial standing. If we estimate prices based on his current risk profile, USAA has the lowest car insurance rates in Honolulu at $973 annually. This is $623 less than the average rate paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive are the rest of the top five cheapest Honolulu, HI auto insurance companies.

The next chart shows rates after we give the driver from the above example an at-fault accident, poor credit, and a speeding citation. Since every car insurance company has a unique approach for determining rates in each state, comparing rates may now show a significantly different list of the cheapest companies as shown below.

State Farm now has the best price on car insurance in Honolulu, HI with USAA, First of Hawaii, GEICO, and Liberty Mutual also being competitive. This example shows why it is so important to do a thorough rate comparison to get the most budget-friendly insurance rates for government employees. Insurance prices are calculated by many factors and can change substantially, so the cheapest option a year ago may now be wasting a lot of money.

How to find the cheapest car insurance for government employees

It’s not impossible to find cheaper rates, and here are some of the better thrifty ideas that can help Hawaii drivers quote more affordable auto insurance.

That final tip is particularly crucial, as we stressed in the prior article. Car insurance prices fluctuate constantly, so drivers shouldn’t be reluctant to buy a different policy if a lower-cost policy is available.

Brand loyalty is not necessarily bad, but is isn’t recommended if that loyalty ends up costing a lot of money every month. It takes less than five minutes to compare prices to find cheaper car insurance for government employees in Honolulu.