Auto insurance for good drivers in Hawaii
Many of the factors that contribute to your car insurance rates lie beyond your control: your age, the city or state in which you reside, and your gender are common rating factors over which you don’t have much of a say. There are, however, factors you can more easily alter in pursuit of low premiums.
If you’re seeking more affordable insurance, try to keep your driving record cleaen, your credit score solid, and your monthly driving mileage low. Insurers provide price cuts to drivers who present little risk. Exhibiting as little risk as possible behind the wheel can lead to lower rates.
See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in Hawaii.
Car insurance for citation-free drivers in Hawaii
One of the easiest ways to pay less for car insurance is to maintain a good driving record. Auto insurance companies view safe drivers as less risky customers, in turn charging them less. If you remain on the right side of the law, you could enjoy lower auto insurance rates.
If you’ve steered clear of violations in recent years, start your insurance search with USAA, offering an average annual premium of $921. That comes out to $626less than the average car insurance rate for drivers without citations in Hawaii.
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH NO VIOLATIONS IN HAWAII
| Insurance Company | Avg. Annual Auto Insurance Rate |
| USAA | $921 |
| State Farm | $1,060 |
| Progressive | $1,496 |
| GEICO | $1,540 |
| Allstate | $1,937 |
| AIG | $2,342 |
| American National P&C | $425 |
| USAA | $691 |
Car insurance rates for drivers with above-average credit in Hawaii
Car insurance companies reward drivers who have above-average credit. Auto insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.
If you have a "good" credit score (670-739), your best option for car insurance might be USAA, offering an average annual rate of $921. If your credit score is in the “excellent” range, State Farm might be a smart place to start your search. State Farm's prices for clients with credit scores of 800 or better are $221 per year less than the typical car insurance rate for drivers with exceptional credit in Hawaii.
Find below a breakdown of auto insurance rates in Hawaii for drivers with good, very good, and excellent credit scores.
CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN HAWAII
| Insurance Company | Avg. Annual Auto Insurance Rate |
| USAA | $921 |
| State Farm | $1,060 |
| Progressive | $1,496 |
| GEICO | $1,540 |
| Allstate | $1,937 |
| AIG | $2,342 |
| American National P&C | $425 |
| USAA | $691 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN HAWAII
| Insurance Company | Avg. Annual Auto Insurance Rate |
| USAA | $921 |
| State Farm | $955 |
| GEICO | $1,481 |
| Progressive | $1,496 |
| Allstate | $1,937 |
| AIG | $2,342 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN HAWAII
| Insurance Company | Avg. Annual Auto Insurance Rate |
| State Farm | $861 |
| USAA | $921 |
| GEICO | $1,441 |
| Progressive | $1,496 |
| Allstate | $1,937 |
| AIG | $2,342 |
Car insurance for occasional drivers in Hawaii
If you drive infrequently, you're less likely to file an auto insurance claim. That’s the logic auto insurance companies use to charge infrequent drivers lower premiums. If you don't exceed the threshold of 7,500 miles per year, you’re likely to save some money on auto insurance each month. Just how much you save by reducing your mileage depends on your insurance company’s pricing practices.
If you're a resident of Hawaii who drives only infrequently, consider USAA, offering average annual savings of $626 for low-mileage customers.
AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN HAWAII
| Insurance Company | Avg. Annual Auto Insurance Rate |
| USAA | $921 |
| State Farm | $1,060 |
| GEICO | $1,468 |
| Progressive | $1,496 |
| Allstate | $1,724 |
| AIG | $2,342 |
Good driver insurance rates in Hawaii — by city
Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Insurance companies price policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.
Find below a breakdown of auto insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.
| City | Avg. Rate — No Incidents | Avg. Rate — Good Credit | Avg. Rate — Very Good Credit | Avg. Rate — Excellent Credit | Avg. Rate — Low Mileage |
| Kahului | $1,193 | $1,193 | $1,131 | $1,080 | $1,280 |
| Pearl city | $1,242 | $1,242 | $1,183 | $1,133 | $1,312 |
| Kailua | $1,242 | $1,242 | $1,183 | $1,133 | $1,312 |
| Hilo | $1,248 | $1,248 | $1,185 | $1,133 | $1,328 |
| Honolulu | $1,256 | $1,256 | $1,196 | $1,147 | $1,338 |
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