Car Insurance for Good Drivers in Hawaii

The Zebra
July 15, 2019

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 CompanyAvg. 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 CompanyAvg. 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 CompanyAvg. 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 CompanyAvg. Annual Auto Insurance Rate
State Farm$861
USAA$921
GEICO$1,441
Progressive$1,496
Allstate$1,937
AIG$2,342

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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 CompanyAvg. Annual Auto Insurance Rate
USAA$921
State Farm$1,060
GEICO$1,468
Progressive$1,496
Allstate$1,724
AIG$2,342

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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.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. 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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