Who Has the Cheapest Auto Insurance for State Employees in Honolulu?

Buying cheap auto insurance is not the easiest thing to do, and figuring out which company has the lowest-priced insurance rates for state employees will require even more perseverance. Every auto insurer has their own guidelines to determine rates, so let’s begin by taking a look at the insurance companies with the overall cheapest rates in Honolulu.

It’s a good idea to be aware that Honolulu insurance rates are impacted by many things that will increase or decrease the cost of your policy. Events like a birthday, buying a new vehicle, or getting caught speeding may prompt premium changes that can make some companies cheaper than before.

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Cheapest Hawaii auto insurance companies
Rank Company Cost Per Year
1 USAA $964
2 State Farm $1,120
3 GEICO $1,376
4 Liberty Mutual $1,406
5 Progressive $1,576
6 First of Hawaii $1,947
7 Allstate $1,964
8 AIG $2,397
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USAA has some of the best car insurance rates in Honolulu at around $964 annually. This is $632 less than the average rate paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive also rank well as some of the lowest-priced Honolulu, HI insurance companies.

In the above rates, if you currently have a policy with Progressive and switched to State Farm, you could earn a yearly savings of in the vicinity of $456. Policyholders with First of Hawaii may save as much as $827 a year, and Allstate insureds might realize rate reductions of up to $844 a year.

To get a quick, customized rate comparison, click here to start your custom quote or visit several of the following companies.

Bear in mind that those premiums are averages for all drivers and vehicles in Hawaii and are not factoring in a specific location for state employees. So the auto insurance company that fits your situation best may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own specific driver and vehicle information.

One of the many components that determine the annual cost of car insurance is where you live in Honolulu. Areas with more people or even just a higher incidence of claims tend to pay more, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.

The illustration below ranks the most costly cities in Hawaii for state employees in which to purchase auto insurance. Honolulu makes the list at #7 with the yearly price of $1,036 on average, which is approximately $86 monthly.

How much is auto insurance in Honolulu, HI?
Rank City Annual Rate
1 Hilo $1,109
2 Kailua $1,062
3 Waianae $1,047
4 Pearl City $1,047
5 Mililani Mauka $1,047
6 Schofield Barracks $1,036
7 Honolulu $1,036
8 Wahiawa $1,036
9 Waipahu $1,026
10 Ewa Beach $1,026
11 Makakilo $1,026
12 Kaneohe $1,016
13 Lahaina $1,016
14 Waimalu $1,016
15 Ewa Gentry $1,015
16 Royal Kunia $1,015
17 Kapolei $1,005
18 Halawa $1,005
19 Mililani Town $1,005
20 Nanakuli $1,005
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Rate quotes are estimated as specific location information can increase or decrease coverage prices substantially.

The type of vehicle you are insuring is a large consideration when shopping for the most economical insurance for state employees. Vehicles with limited speed and performance, advanced safety features, or a positive history of liability claims will cost quite a bit less to insure than fast, unsafe models. The list below shows coverage costs for a handful of the most economical automobiles to insure in Hawaii.

Cheapest Vehicles to Insure in Honolulu, HI
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape Limited 2WD $894
Honda Accord EX 4-Dr Sedan $1,005
Honda Odyssey EX W/Rear Entertainment $1,015
Honda CR-V EX 4WD $1,026
Chevrolet Impala LT $1,036
Hyundai Elantra GLS Touring Station Wagon $1,075
Jeep Grand Cherokee Limited 2WD $1,111
Nissan Rogue S AWD $1,117
Volkswagen Jetta S 2.5 Station Wagon $1,168
Ford Edge SE 2WD $1,179
Toyota Camry Hybrid $1,185
Toyota RAV4 Sport 2WD $1,187
GMC Sierra SLE Regular Cab 2WD $1,194
Toyota Prius $1,194
Dodge Grand Caravan SE $1,204
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Estimates do not factor in specific Honolulu, HI garaging location which can decrease or increase price quotes considerably.

Looking at the data, vehicles like the Ford Escape, Honda Accord, Honda Odyssey, Honda CR-V, and Chevrolet Impala should be a few of the more affordable vehicles to insure for state workers.

The information below shows how choosing a deductible can change insurance rates when searching for cheap insurance for state employees. The costs are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

The data above shows that a 30-year-old driver could reduce rates by $244 a year by changing from a $100 deductible to a $500 deductible, or save $368 by changing to a $1,000 deductible. Young drivers, like the 20-year-old category, could lower their rates up to $714 or more just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it will be necessary to have enough spare savings to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

How accidents and violations affect rates

The easiest method to receive the cheapest insurance prices in Hawaii for state workers is to drive cautiously and avoid at-fault accidents and violations. The diagram below illustrates how traffic citations and at-fault fender-benders increase insurance rates for different categories of driver ages. The data is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

The data above shows the average cost of an auto insurance policy in Hawaii per year with a clean driving record and no accidents is $1,282. Receive one speeding ticket and the average cost swells to $1,475, an increase of $193 each year. Now add in one accident along with the one speeding ticket and the annual cost of insurance for state employees jumps again to an average of $2,013. That’s an increase of $731, or $61 per month, just for being a less-than-perfect driver!

Full coverage versus liability only rates

Buying cheaper insurance is probably important to most people, and one of the fastest ways to pay lower rates for insurance for state employees is to not insure for full coverage. The information below shows the difference between insurance premiums with and without full coverage. The rates are based on a clean driving record, no claims, $1,000 deductibles, single marital status, and no policy discounts are applied.

As an average, physical damage coverage on your policy costs $1,488 per year over and above liability coverage. Lot’s of drivers question if buying full coverage is worth the expense. There is no set rule for eliminating physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your vehicle’s replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $5,000 after the policy deductible has been paid. If you are currently paying more than $500 a year to have full coverage, then it might be time to buy liability only.

There are some scenarios where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not remove full coverage.

How to find cheaper insurance for state employees

It’s not impossible to find cheaper rates, and here are some of the recommended thrifty solutions that can help you get more affordable car insurance.

That last idea is incredibly valuable, as we discussed in the article above. Insurance prices change frequently, so don’t hesitate to switch carriers if a more affordable rate is found. Being loyal to a particular company is commendable, but it’s not a great idea if that stubbornness costs you major coinage every year. In less than five minutes you could shop around to find cheaper insurance for state employees in Honolulu.

The insurance agencies listed below can probably aid you in deciding which auto insurance policy would work best for you, as many consumers aren’t sure which coverage to buy and prefer to have some professional guidance when shopping around for cheaper insurance for state workers. It can be challenging to find coverage yourself, so using a licensed agent can provide you comfort knowing your coverage gives you suitable coverage if you have an accident.

To locate a Honolulu insurance agent closest to you, click the button after the list.

Allstate Insurance: Matthew Shido
3221 Waialae Ave Ste 386Honolulu, HI 96816(808) 737-3500

Cornerstones Financial and Insurance Agency
250 Ward Ave #220Honolulu, HI 96814(808) 626-5068

Atlas Insurance
1132 Bishop St #1600Honolulu, HI 96813(808) 533-8728

Allstate Insurance: Rory Lee
575 Cooke St dHonolulu, HI 96813(808) 596-8333

John H Connors Insurance
500 Ala Moana Blvd # 2303Honolulu, HI 96813(808) 534-7300

View map of Honolulu, HI insurance agents