How Much Does Auto Insurance Cost for Teachers in Hawaii?

The vehicle model driven is one of the main factors that determines whether or not you find the most economical auto insurance for teachers. Vehicles with economical engines, good crash test ratings, or a track record of few liability claims will cost less to insure than higher performance models. The next list illustrates insurance prices for a handful of the most cost-effective automobiles to insure.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in Hawaii location which can revise prices noticeably.

Based upon the table data, models like the Hyundai Elantra, Ford Escape, Chevrolet Silverado, and Toyota Prius are likely to be a few of the cheapest vehicles to insure for teachers and educators.

Finding reliable, affordable auto insurance is confusing at best, and deciding which company has the cheapest insurance rates for teachers will take additional perseverance. Insurance prices will more than likely be moderately better than the average rate in Hawaii, with the lower cost attributed to the potential for less claims related to selling coverage for teachers and educators. Competitively-priced coverage should be easy to find with minimal effort.
Every insurance provider has a proprietary method for filing rates in each state, so let’s take a look at the insurance companies with the overall best prices in Hawaii.

It’s important to know that Hawaii insurance rates are calculated based on many things that will increase or decrease the policy price. This price variability is why it is critical to perform a complete rate comparison to get the most budget-friendly insurance rates for teachers. Rates are determined by many different factors and change substantially, so the best option the last time you shopped around may now cost much more than other companies.

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USAA may have some of the lowest car insurance rates in Hawaii at around $936 annually. State Farm, GEICO, Liberty Mutual, and Progressive also qualify as some of the lowest-priced Hawaii car insurance companies.

As shown in the rates above, if you currently have coverage with Liberty Mutual and switched to State Farm, you might achieve an annual savings of roughly $388. Policyholders with Progressive could save as much as $500 a year, and Allstate customers might see rate reductions of $830 a year.

Bear in mind that those policy rates are averages across all drivers and vehicles in Hawaii and and are not figured with a price decrease for teachers. So the company that has the lowest price for you may not even be included in the list of companies above. That point stresses why you need to get car insurance quotes using your own specific driver information and vehicle.

Is Progressive, Geico, State Farm, or Allstate cheaper?

When researching auto insurance for teachers and educators, some of the largest companies to start with are Progressive, Geico, State Farm, and Allstate. Between them, they insure over 45% of the entire U.S. car insurance market. The table below compares and contrasts ratings for price and service, as well as some optional coverages shoppers can expect to find with each one.