The type of vehicle on the policy is probably the largest consideration that determines the availability of cheap car insurance for drivers with accidents. Vehicles with high performance engines, a lack of modern safety features, or a history of substantial liability claims will cost more to insure than safer models.
The data below illustrates auto insurance premiums for the most budget-friendly automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$2,032|
|Honda CR-V EX-L 2WD||$2,153|
|Ford Escape XLT 4WD||$2,188|
|Dodge Grand Caravan CV||$2,282|
|Jeep Wrangler Rubicon 4WD 2-Dr||$2,288|
|Ford F-150 XL Crew Cab 2WD||$2,430|
|Volkswagen Jetta 2.0T Station Wagon||$2,446|
|Toyota Tacoma 2WD||$2,490|
|Chevrolet Impala LS||$2,497|
|Chevrolet Malibu Hybrid||$2,519|
|Jeep Grand Cherokee Laredo 2WD||$2,524|
|Ford Edge SEL AWD||$2,523|
|Toyota RAV4 Sport 2WD||$2,555|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$2,561|
|Ford Explorer Limited 4WD||$2,588|
|Ford Focus SEL 4-Dr Sedan||$2,648|
|Toyota Corolla XLE||$2,652|
|Toyota Camry SE||$2,659|
|Nissan Altima 2.5 S 4-Dr Sedan||$2,652|
|Chevrolet Equinox LTZ AWD||$2,679|
|Honda Odyssey Touring||$2,686|
|Ford Fusion SEL AWD 4-Dr Sedan||$2,711|
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Data based on single male driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific garaging location which can increase or decrease coverage prices noticeably.
Looking at the rates, you can infer that vehicles like the Hyundai Elantra, Honda CR-V, and Ford Escape are the cheapest vehicles to insure for drivers with at-fault accidents. Prices will be more costly because there is more exposure for drivers with accidents, but overall those vehicles will most likely have the lowest insurance prices that you are likely to find.
Finding reliable, affordable insurance is difficult, and figuring out which company has the best insurance rates for drivers with accidents calls for even more shopping around. Every car insurance company uses a little different formula to establish rates, so let’s take a look at the overall cheapest insurance companies in Honolulu.
Find the Cheapest Car Insurance for Accident Prone Drivers
|Rank||Company||Cost Per Year|
|6||First of Hawaii||$1,928|
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USAA offers some of the lowest car insurance rates in Honolulu at around $926 per year. State Farm, GEICO, Liberty Mutual, and Progressive would also be considered some of the most economical Honolulu, HI auto insurance companies.
As shown above, if you currently have a policy with GEICO and switched to USAA, you could realize a yearly savings of in the neighborhood of $409. Policyholders with Liberty Mutual could save as much as $523 a year, and Progressive customers might lower prices by $698 a year.
To compare your rates to other Hawaii insurance companies, click here to start a quote or quote rates from the companies below.
Bear in mind that those estimates are averaged across all insureds and vehicles and and are not figured with a specific zip code for drivers with accidents. So the company that has the cheapest price for you may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
Bad driving habits will cost you more
The obvious way to find affordable insurance rates in Honolulu for drivers with at-fault accidents is to be a cautious driver and not get tickets or have accidents. The diagram below illustrates how traffic citations and at-fault collisions increase car insurance rates for different age groups. The price estimates are based on a single female driver, full coverage, $100 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of auto insurance in Honolulu per year with no violations or accidents is $1,605. Receive one speeding ticket and the average cost jumps to $1,816, an increase of $210 each year. Now add two accidents along with the one speeding ticket and the annual cost of insurance for drivers with accidents jumps again to an average of $3,538. That’s an increase of $1,932, or $161 per month, just for not driving responsibly!
The example below shows how choosing a deductible can impact insurance premiums when quoting cheap insurance for drivers with accidents. The price estimates are based on a single female driver, comp and collision included, and no other discounts are factored in.
The chart above illustrates that a 50-year-old driver could save $292 a year by increasing from a $100 deductible up to a $500 deductible, or save $442 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could roll back prices as much as $748 every year just by using higher deductibles. When increasing deductibles, it is a good idea to have additional funds in a savings account to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Get discounts on Honolulu auto insurance
Car insurance companies that offer coverage for drivers with accidents may have rate discounts that can lower rates by 35% or more if you meet the requirements. A list of companies and some of their more popular discounts are detailed below.
- State Farm has savings for good student, Steer Clear safe driver discount, accident-free, passive restraint, anti-theft, and safe vehicle.
- Esurance policyholders can earn discounts including online shopper, DriveSense, defensive driver, Switch & Save, claim free, good student, and Pac-12 alumni.
- Progressive offers premium reductions for continuous coverage, online quote discount, online signing, homeowner, and multi-policy.
- Liberty Mutual may include discounts for safety features, new graduate, multi-policy, exclusive group savings, and new vehicle discount.
- Auto-Owners Insurance offers discounts for multi-policy, mature driver, anti-lock brakes, good student, teen driver, paid in full, and safe driver.
- GEICO may have discounts that include five-year accident-free, driver training, emergency military deployment, federal employee, and anti-lock brakes.
The illustration below illustrates the comparison of auto insurance rates with and without some available policy discounts. The rate quotes are based on a female driver, two accidents and no citations, Hawaii state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with continuous coverage, paperless filing, anti-theft, vehicle safety, passive restraint, and homeowner discounts applied. In this example, theamount saved on insurance for drivers with accidents is 28% or $844.
How to find low-cost auto insurance for drivers with accidents
The list below summarizes many thrifty ideas that can help Hawaii drivers buy low-cost car insurance.
- Prevent price hikes by avoiding at-fault accidents
- Frequent claims may make car insurance unaffordable
- Higher comprehensive and collision coverage deductibles will save money
- Clean up your credit rating
- Avoid getting citations and tickets
- Buying home and auto together can help save money
- Comparison shop at least once a year
The last item on the list is especially critical, as we discussed in this piece. Car insurance prices in Honolulu go up and down frequently, so drivers shouldn’t hesitate to buy from a new company if a more affordable price is available. Brand loyalty is great, but is isn’t recommended if that stubbornness costs you a lot of money. It only take a few minutes to shop around to find cheaper insurance for drivers with accidents.
The agents shown below are willing to answer your questions and help you decide which auto insurance coverages would be the best in your situation, since many consumers aren’t sure which coverage to buy and prefer to get some guidance when shopping around for cheaper insurance for drivers with at-fault accidents. It’s not always simple to find the cheapest rates, so insurance agents licensed in the state of Hawaii can provide you peace of mind knowing your policy gives you enough coverage if you have a claim.
To find an agent using an interactive map, click the button following the list.
- Island Insurance Hawaii
1022 Bethel St – Honolulu, HI 96813 – (808) 643-4000
- Sue Ann Lu – State Farm Insurance Agent
210 Ward Ave #116 – Honolulu, HI 96814 – (808) 587-6116
- Suzette Rudolf Trehern – State Farm Insurance Agent
7192 Kalanianaole Hwy g210 – Honolulu, HI 96825 – (808) 395-3434