Honolulu, HI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Honolulu, HI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Best Car Insurance in Honolulu, HI
The average car insurance rates in Honolulu, HI, is $1,116. There are a number of auto insurance companies in Honolulu, HI, offering the most suitable insurance policy. Still, it is hard to distinguish the company that provides the right coverage as per your needs. The cost of car insurance in Honolulu, HI, is subject to change due to certain influential factors. A few such factors include the age of the driver, deductible type, claims history, driving records, driver's gender, marital status, and others.
a. Car insurance rates based on the age of the driver
Auto insurance rates for teen drivers are some of the highest in the US. Young drivers are considered a higher risk for accidents and tickets, translating into higher auto insurance rates in Honolulu, HI. The risk factor for insurers is very high, so their margins must be higher as well. Teenage drivers in Honolulu, HI, pays $3,621. In contrast, drivers aged 40 years pay $1,063 on auto insurance in Honolulu, HI.
b. Car insurance rates Post-DUI
Driving under the influence (DUI) charges in Honolulu, HI, can put your freedom and finances at risk. If charged with a DUI, you will face rigid penalties, including fines for thousands of dollars, probation, and possible jail time. Your driver's license may also be suspended based on your conviction. This can also lead to an increase in Honolulu car insurance rates, HI. For example, the average cost of car insurance in Honolulu, HI, is $1,116. Post-DUI, car driver pays $3,941 on Honolulu car insurance rates.
c. Car insurance rates based on credit history
At Honolulu, insurance providers consider the credit score while determining the auto insurance rates. Car owners with a poor credit score (300-579) will face high insurance rates and vice versa. With a good credit score, one can avail of discounts on insurance and other products. Thus, try to maintain a good credit score. For instance, auto owners with exceptional credit scores pay $958 on auto insurance in Honolulu, HI, whereas car owners with poor credit scores pay $1,820 on car insurance in Honolulu, HI.
Factors that can influence the cost of car insurance in Honolulu, HI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Honolulu, HI Auto Insurance Rates
- Honolulu, HI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Honolulu, HI
- Multi Vehicle Insurance Savings in Honolulu, HI
- How Credit Score Affects Car Insurance Rates in Honolulu, HI
- How DUI Affects Auto Insurance Premiums in Honolulu, HI
- Top Auto Insurance Agents Near Honolulu, HI
- How Driving Violations Affect Auto Insurance Rates in Honolulu, HI
- Honolulu, HI Auto Insurance Discounts on Anti Theft Feature
- Honolulu, HI Auto Insurance Company Reviews
Honolulu, HI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Honolulu, HI with that of other cities in and around Honolulu.
| Honolulu | |
|---|---|
| Average Insurance Rates | $1,116 |
Honolulu, HI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Honolulu, HI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Honolulu | $1,470 | $1,241 |
Honolulu, HI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Honolulu, HI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,621 |
| 20 Years | $1,434 |
| 30 Years | $1,104 |
| 40 Years | $1,063 |
| 50 Years | $984 |
| 60 Years | $998 |
| 70 Years | $1,161 |
Honolulu, HI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Honolulu, HI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,897 | $335 |
| 3 Vehicles | $2,846 | $502 |
| 4 Vehicles | $3,794 | $670 |
Savings on 2 Vehicles bundle:$335
Savings on 3 Vehicles bundle:$502
Savings on 4 Vehicles bundle:$670
Honolulu, HI Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Honolulu, HI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Honolulu | $1,116 | $3,941 |
Honolulu, HI Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $958 |
| Excellent (740-799) | $1,093 |
| Good (670-739) | $1,163 |
| Average (580-669) | $1,517 |
| Poor (300-579) | $1,820 |
Honolulu, HI Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Marvin Manns | State Farm | 259 E 141st St, Glenpool, 74033-3583 | 918-995-2552 |
| Floyd Morris | State Farm | 127 E Dewey Ave, Sapulpa, 74066-4203 | 918-224-1727 |
| Carla Holzrichter | State Farm | 121 E 8th Ave, Bristow, 74010-2507 | 918-367-5547 |
| James Taylor | Farmers | 718 S Mission St, Sapulpa, 74066 | (918) 224-2235 |
| Tricia Staiger | Allstate | 12141 S Elm St Ste 117, Jenks, 74037 | (918) 528-6760 |
| Carol Coats | Farmers | 305 W Taft Ave Ste C, Sapulpa, 74066 | (918) 512-8240 |
| Christopher Davidson | Farmers | 14226a S Elm St, Glenpool, 74033 | (918) 528-4981 |
| Lon T Jackson Agcy | None | 26 S Park St, Sapulpa, 74066 | None |
| Bill Kelley & Associates Inc | None | 1034 E Taft Ave, Sapulpa, 74066 | None |
Honolulu, HI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$49 | $1,165 |
| Driver's Failure In Showing Documents | +$108 | $1,224 |
| Driving With An Expired Registration | +$115 | $1,231 |
| Driving At A Considerably Slow Pace | +$242 | $1,358 |
| Using A Cellphone While Driving | +$256 | $1,372 |
| Running A Red Light | +$260 | $1,376 |
| Speeding | +$273 | $1,389 |
| Driving A Vehicle Without The Required Permission | +$347 | $1,463 |
| Driving With An Expired/Suspended License | +$752 | $1,868 |
Honolulu, HI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,071 |
| Active Disabling Device | $1,071 |
| Tracking Device | $1,049 |
| Passive Disabling Device | $1,038 |
Latest Auto Insurance Reviews in Honolulu, HI | Back to Top
Erie InsuranceI would recommend this insurance for auto insurance because they are really on top of it and will get you your money or information the same day or within a reasonable time.
Erie InsuranceTheir coverage is great. They seem to cover the basics and beyond. Their coverage was very comparable to other insurance companies that we checked into.
Erie InsuranceThis company is so easy to work with and found us a lower rate than the leading insurance company. they are much nicer too!
Erie InsuranceWe recently had a car accident claim, which was processed seamlessly. Customer service was great. They coordinated all matters and quickly issued a check.
AaaI would recommend them on their low rates and communication. You also get cross over coverage for towing and roadside assistance. This two things make it a good company to go to.
Travelerstravelers has great options for choosing what you want. You can get cheaper insurance with them, or opt all the way to the top for the most. expensive. I used them for over 20 years, and sad to say i have to leave because they dont work in texas.
Travelerstravelers has great options for choosing what you want. You can get cheaper insurance with them, or opt all the way to the top for the most. expensive. I used them for over 20 years, and sad to say i have to leave because they dont work in texas.
GeicoGeico has been a disaster in my opinion. They only thing that your company has mastered is cute commercials. I am advising others to spend their money somewhere else. It is as though one person there has no idea what another says. I have received 4 different stories from 4 different people during my auto insurance claim
AllstateMy company offers me liability, collision, comprehensive and a towing package. We rate allstate as a 1. We can talk with our agent in person if we need to do so. It is so much better to look a jperson in the eye that use my phone or my computer.
TravelersI believe my premium is appropriate for the service i receive. Insurance is not something that should be purchased form the lowest bidder. I'm confident of I need to place a claim it will be reviewed fairly and promptly
TravelersI like the fact that they offer vanishing deductible $100 off for a year of no at fault accidents. They also have the best rates out of most of the companies I've look at.
Horace MannI appreciate having a local agent. When I had an accident, my agent helped me file the claim in person and then called the next day to make sure I was feeling ok. I don't think I would get this kind of service from a company that purely online.
State FarmThe premium does tend to be somewhat higher than other insurance companies. However, the high-quality service and local agents make this a reasonable option for me.
GeicoI have not shopped around in a long time but this was the best premium for that kind of coverage at the time.
AllstateWhat I like about customer care is that they are always available and that they are situated somewhere in the US since I always speak to someone from here not outsourced