How Much are Honolulu Car Insurance Rates for Single Moms?

Deciding which company offers the cheapest car insurance rates for single moms will require a little more effort in order to find the best price.

Each auto insurer has their own process for determining prices, so we’ll go over the car insurance companies with the overall cheapest rates in Honolulu, HI. It’s important that you understand Honolulu, HI car insurance rates are impacted by many things which can substantially decrease or increase the cost of a policy. Simply improving your credit, adding a teenager to your policy, or getting a DUI can trigger changes in premium that can make some companies cheaper than competitors.

Find Cheaper Auto Insurance for Single Moms

Click to Compare Rates Now

Cheapest insurance companies in Hawaii
Rank Company Cost Per Year
1 USAA $936
2 State Farm $1,109
3 GEICO $1,389
4 Liberty Mutual $1,421
5 Progressive $1,576
6 Allstate $1,964
7 First of Hawaii $2,006
8 AIG $2,469
Compare Rates Now Go

USAA quotes some of the best car insurance rates in Honolulu at around $936 annually. State Farm, GEICO, Liberty Mutual, and Progressive also are some of the most economical Honolulu, HI car insurance companies.

As shown in the rates above, if you currently have a policy with Liberty Mutual and switched to State Farm, you could see an annual savings of in the neighborhood of $312. Insureds with Progressive could save as much as $467 a year, and Allstate policyholders might cut rates by $855 a year.

Bear in mind that those estimates are averaged for all insureds and vehicles and do not take into consideration an exact zip code location for single moms. So the insurer that can offer you the best price may not even be in the list above. That points out the importance of why you need to get rate quotes using your own specific driver and vehicle information.

For single parents, one of the big things that determine auto insurance rates is where your car is garaged. Areas with more people or more claims likely pay more, whereas areas with less congestion have the luxury of lower rates.

The next table ranks the most expensive places in Hawaii for single moms to buy car insurance in. Honolulu makes the list at #9 with a yearly cost of $1,036 for the average policy, which is approximately $86 per month.

How much does car insurance cost in Honolulu, HI?
Rank City Annual Rate
1 Hilo $1,142
2 Kailua $1,062
3 Waimalu $1,047
4 Mililani Town $1,047
5 Mililani Mauka $1,047
6 Kapolei $1,047
7 Ewa Beach $1,046
8 Pearl City $1,036
9 Honolulu $1,036
10 Halawa $1,036
11 Schofield Barracks $1,036
12 Wahiawa $1,036
13 Lahaina $1,026
14 Ewa Gentry $1,026
15 Makakilo $1,026
16 Nanakuli $1,016
17 Wailuku $1,016
18 Royal Kunia $1,015
19 Waipahu $1,015
20 Kaneohe $1,005
Find the Best Rates Go

Annual rates are comparative as the specific Honolulu residence address can revise auto insurance rates greatly.

Car insurance companies ranked

Ending up with the right car insurance company can be a challenge considering how many companies provide coverage in Hawaii. The information in the next section could help you select which insurers to look at when insurance shopping for single moms. The rankings below are only comprised of companies that insure vehicles nationwide, so companies that may only write in Hawaii are not taken into consideration for the list.

Best Ten Car Insurance Companies for Single Moms in Honolulu
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
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

How violations and accidents impact rates

The easiest method to obtain affordable car insurance rates in Hawaii for single parents is to drive safely and avoid traffic citations and accidents. The chart below shows how violations and at-fault collisions drive up car insurance costs for different age groups of insureds. The data assumes a married female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

The data in the chart shows the average cost of an auto insurance policy in Honolulu per year with no accidents and a clean driving record is $967. Receive one speeding ticket and the average cost hikes up to $1,125, an increase of $158 each year. Then add one accident along with the one speeding ticket and the 12-month cost of car insurance for single moms goes up to an average of $1,566. That’s an increase of $599, or $50 per month, just for being a little careless behind the wheel!

Honolulu car insurance rates

Honolulu car insurance rates are impacted by many things that will increase or decrease the price of coverage. Getting older, buying higher coverage limits, or getting a driving violation may cause policy rate changes that can make some companies cheaper than before. Not only that, but insurance companies file new Hawaii auto insurance rates as often as every quarter in order to maintain liquidity for claims. An unexpected high level of claims can cause more expensive prices, while profitable underwriting may cause cheaper Honolulu car insurance rates.

For instance, the data below compares the cheapest car insurance in Honolulu, HI for a 40-year-old male driver with no accidents or violations, and solid credit. When comparing rates based on his current rating profile, USAA offers the best car insurance rates in Honolulu at $983 a year. This is $613 less than the average price paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive are also included in the cheapest Honolulu, HI auto insurance companies.

In the next rate comparison, we’ll give the driver from the first rate comparison some claims, a lower credit rating, and a couple of points charged on his driving record. Because each insurer has a proprietary method for determining prices, comparing prices may result in a substantially altered list of affordable companies as shown below.

State Farm now has the cheapest price in Honolulu, HI with USAA, GEICO, First of Hawaii, and Liberty Mutual now being in the top five. This example shows why Honolulu drivers need to do a thorough rate comparison to get the most budget-friendly car insurance rates for single moms.

Prices consist of many things and change dramatically, so the most affordable company when you last compared rates may now be priced much higher than other options.

The agents listed below can help you decide which coverage fits your budget, since many people would rather have a consultation when trying to find the best insurance rates for single moms. It can be time-consuming to find the cheapest rate yourself, and a professional agent can give peace of mind knowing you have adequate protection in the event of a claim. To locate an agency in your neighborhood, click the link at the bottom or click here to compare price quotes.

View more Honolulu, HI insurance agencies

How to find economical insurance for single moms

It’s not impossible to find cheaper rates, and here are some of the recommended thrifty solutions that can help Hawaii drivers buy lower-cost car insurance.

The last tip in the list is especially critical, as was emphasized in the prior article. Coverage prices go up and down frequently, so don’t hesitate to switch to a new company if you find a cheaper price.

Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that inflexibility results in costing you a fortune every year. It only takes a couple minutes to shop around to find cheaper auto insurance for single moms in Honolulu.