How Much are Honolulu Car Insurance Rates for Nurses?

The vehicle model that is being insured is one of the main factors that determines whether or not you find the most affordable auto insurance for nurses. Vehicles with reasonable performance levels, good safety features, or a low likelihood of having liability claims will cost much less to insure than fast, unsafe models. The list below estimates insurance premiums for a number of the cheapest vehicles to buy coverage for.

Cheapest Vehicles to Insure in Honolulu, HI
Vehicle Estimated Cost for Full Coverage
Ford F-150 FX2 Super Cab 2WD $884
Honda CR-V EX 2WD $888
Honda Accord LX-P 4-Dr Sedan $894
Honda Odyssey EX W/Rear Entertainment $916
Jeep Wrangler Sport 4WD 2-Dr $930
Chevrolet Malibu LS $934
Toyota Prius $956
Ford Escape Limited 4WD $962
Toyota Camry XLE $984
GMC Sierra SLT Extended Cab 2WD $1,000
Chevrolet Silverado LTZ Crew Cab 4WD $1,005
Ford Explorer Eddie Bauer 2WD $1,002
Ford F-350 XL Crew Cab 2WD $1,018
Chevrolet Impala LT $1,020
Honda Civic EX-L 4-Dr Sedan $1,034
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in your specific Honolulu, HI location which can influence rates greatly.

By looking at the data, we can infer that makes and models like the Ford F-150, Honda CR-V, and Honda Accord are going to be some of the less-costly vehicles to insure for health professionals.

Finding reliable, low-cost insurance is not always easy, and figuring out which companies quote the lowest-priced car insurance rates for nurses takes a bit more work.

Each auto insurance company has a different formula for setting prices, so first we will examine the most budget-friendly car insurance companies in Honolulu. It’s important that readers know that Hawaii car insurance rates are influenced by many factors which can significantly increase or decrease the cost of coverage. Simply having another birthday, having a teenage driver, or getting a ticket for running a stop sign can trigger price changes that may make certain companies higher-priced than before.

Best Auto Insurance Prices for Health Occupations

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Rankings for the cheapest Hawaii auto insurance companies
Rank Company Cost Per Year
1 USAA $936
2 State Farm $1,076
3 GEICO $1,389
4 Liberty Mutual $1,449
5 Progressive $1,608
6 Allstate $1,964
7 First of Hawaii $1,987
8 AIG $2,445
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USAA quotes some of the lowest car insurance rates in Honolulu at around $936 each year. State Farm, GEICO, Liberty Mutual, and Progressive also qualify as some of the lowest-priced Honolulu, HI car insurance companies.

As depicted above, if you currently buy coverage from Liberty Mutual and switched to USAA, you could realize a yearly price reduction of around $513. Policyholders with Progressive might save as much as $672 a year, and Allstate policyholders might reduce prices by as much as $1,028 a year.

To see if your current coverage is too expensive, click here to start a quote or click through to the companies below.

Understand that those policy rates are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific vehicle garaging location for nurses. So the company that can offer you the best price may not even be in the list above. That underscores the importance of why you need to get auto insurance quotes using your own individual information.

Car insurance company ratings

Choosing the highest-rated auto insurance company can be rather challenging considering how many companies sell insurance in Honolulu. The rank data in the next section may help you analyze which coverage providers you want to consider when comparing insurance rates for nurses. The ratings below are for large, nationwide insurance companies, so companies that only write business in Hawaii or surrounding areas are not factored into this list.

Top 10 Large Auto Insurance Providers in Honolulu Ranked by Customer Satisfaction

  1. USAA – 94%
  2. AAA Insurance – 91%
  3. State Farm – 90%
  4. Nationwide – 90%
  5. The Hartford – 89%
  6. GEICO – 89%
  7. Liberty Mutual – 88%
  8. Allstate – 88%
  9. Esurance – 87%
  10. Progressive – 87%

Top 10 Large Auto Insurance Providers in Honolulu Ranked by A.M. Best Rating

  1. USAA – A++
  2. State Farm – A++
  3. GEICO – A++
  4. Esurance – A+
  5. Nationwide – A+
  6. Allstate – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. AAA Insurance – A
  10. Liberty Mutual – A

Safe drivers pay cheaper rates

One of the best ways to find good car insurance prices in Honolulu for health professionals is to be a careful driver and avoid traffic citations and accidents. The illustration below shows how violations and at-fault claims influence car insurance costs for each age group. The prices are based on a married female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

In the example above, the average cost of car insurance in Hawaii per year with no accidents and a clean driving record is $967. Add in one speeding ticket and the average cost jumps to $1,125, an increase of $158 each year. Now add two accidents along with the one speeding ticket and the annual cost of car insurance for nurses jumps again to an average of $2,554. That’s an increase of $1,586, or $132 per month, just for not paying attention while driving!

Does it make sense to buy full coverage?

Saving on car insurance should be important to most people, and one great way to lower the cost of insurance for nurses is to only buy liability insurance. The chart below shows the comparison of insurance prices when comparing full coverage to liability only. The data assumes no violations or accidents, $250 deductibles, marital status is single, and no discounts are applied.

If all age groups are averaged, comp and collision coverage costs an additional $1,863 per year more than just buying liability only. That brings up the question if you should buy full coverage at all. There is no exact formula to exclude full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

If you wish to have professional advice when buying car insurance for nurses, the professional agents shown below can aid you in deciding which car insurance policy is best.

To find an agent closest to you, click the button after the list or click here to compare prices now.

More insurance agents in Honolulu, HI