Cheap Car Insurance Quotes for Felons in Hawaii

Anytime the topic is car insurance, the words cheap or affordable really should not be used anywhere in the article as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap auto insurance for felons is just plain contradictory. Don’t let that bother you, though, because there may be ways you can quote coverage that you are able to afford.

For felons, one of the more important things that insurance companies use to determine the price you pay for insurance is where you keep your car in Hawaii. Cities with larger populations like Hilo, Waipahu, and Wahiawa are more likely to pay higher prices, whereas areas with less people or fewer weather incidents generally have lower rates.

The table below displays the higher priced cities in Hawaii for felons to purchase a policy in.

Rate information is comparative as zip code location can influence premium rates significantly.

The vehicle model to be insured is a large consideration that determines the availablility of cheap car insurance for felons in Hawaii. Vehicles with high performance engines, poor passenger safety features, or high incidents of liability claims will cost substantially more to insure than more economical and safe models.

The data below estimates coverage costs for the most budget-friendly automobiles to buy insurance for.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in garaging location in Hawaii which can impact prices considerably.

By looking at the data, you can presume that cars like the Honda CR-V, Ford Escape, Chevrolet Silverado, Toyota Prius, and Chevrolet Traverse should be the cheaper vehicles to insure for felons.

Finding good, affordable auto insurance is easier said than done, and figuring out which company has the most affordable auto insurance rates for felons may require additional perseverance.

Each auto insurer has a different process for setting prices, so first we will examine the lowest cost auto insurance companies in Hawaii.

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USAA quotes some of the most affordable car insurance rates in Hawaii at around $954 a year. State Farm, GEICO, Liberty Mutual, and Progressive also rank well as some of the most economical Hawaii insurance companies.

As shown in the table above, if you currently have a policy with Progressive and switched to State Farm, you might realize yearly savings of in the vicinity of $548. Drivers with Allstate could save as much as $850 a year, and First of Hawaii insureds might cut rates by $852 a year.

To see if your current coverage is too expensive, click here to start your free quote or visit any of the companies below.

It’s important to note that these estimates are averages across all types of drivers and the different vehicles they drive and are not factoring in a rate discount for felons. So the company that has the cheapest price for you may not even be included in the chart above. That emphasizes why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Discounts on cheap car insurance for felons in Hawaii

Car insurance companies that provide coverage for felons may also give you policy discounts that can lower rates by as much as 25% or more if you qualify. Large auto insurance companies and some of the premium reductions they offer are detailed below.

The chart below compares car insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no claims or violations, Hawaii state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, vehicle safety, claim-free, defensive driving course, multiple vehicle, and homeowner discounts applied. When these discounts are applied to the policy premium, the the amount saved on auto insurance for felons is 13% or $204.

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Which car insurance company is best?

If you are looking for the best car insurance for felons, probably the best companies to start with are Allstate, Geico, State Farm, and Progressive. The data below ranks some of the different options that are available for buyers.

How to find cheaper car insurance for felons

Lowering your rates is not difficult, and here are some penny-pinching ideas that can help Hawaii drivers get cheap auto insurance.

• Good credit can mean cheaper rates
• Buy vehicles with good safety ratings
• At-fault accidents will increase rates
• Avoid getting citations and tickets
• Increase your deductibles
• Save money by insuring older vehicles for liability only
• Look for cheaper rates once a year by shopping around

The last tip in the list is extremely important, as we stressed in this article. Rates can be adjusted at any time, so don’t be hesitant to switch to a new company if you can save money. Loyalty to a specific company is fine, but is isn’t recommended if your bullheadedness ends up costing you hundreds of dollars year after year. Take a few minutes and compare rates to find cheaper auto insurance for felons.