Hawaii car insurance calculators provide an easy and accurate way to get an approximate estimate of your premiums. They’re especially useful when trying to decide whether minimal liability coverage or comprehensive coverage with low deductibles would best meet your needs. Insurance rates depend on numerous factors including age, gender, driving record, credit score and location – with driving record being the primary one: even one speeding ticket can increase rates 17% on average while being involved in an accident could raise them even more (3 times over).
Hawaii drivers with poor driving records do have options when shopping for car insurance policies in Hawaii, such as Geico, USAA and State Farm. Geico provides the cheapest coverage option at about $82 monthly premium while USAA charges slightly more at around $93. Both Geico and USAA boast excellent customer service reviews.
Farmers and Progressive are two top providers of auto insurance in Hawaii, offering Snapshot program discounts based on how safely you drive as well as OEM parts coverage and rideshare services. Progressive offers basic policies covering liability and collision without comprehensive protection, providing drivers with peace of mind.
Hawaii car insurance premiums average $1,819 annually or $152 monthly with full coverage – slightly below the national average of $1,682.
Geico, State Farm and USAA are among Hawaii’s least expensive car insurers; offering competitive rates to drivers with clean records at affordable rates while offering reliable customer service and offering special discounted rates for teen drivers and senior drivers alike. Their non-owner liability coverage costs $389 annually to provide basic protection for damages to other cars or people.
Saving on car insurance in Hawaii can be accomplished in several ways, from lowering your coverage limit and forgoing extras like roadside assistance and towing, to adding a safe driver discount that may apply if your driving record is spotless.
Insurance providers tend to charge higher premiums for young drivers as they are considered riskier investments. When shopping for Hawaii car insurance for teens, non-owner liability coverage might be worth considering; similar to liability-only policies but also covering bodily injuries if an accident happens while driving someone else’s vehicle.