Cheapest Car Insurance for Active Military in Hawaii

Ideally, we could simply give you the name of the one company that has the best auto insurance prices in Hawaii. It’s just not that simple, as there are a whole bunch of unknown factors such as if you have a spouse, if you have a lapse in coverage, if you are a woman or a man, and tickets or driving violations, that all impact the cost of coverage. This article goes into detail about the best ways to pay less and educate you enough to have a good beginning to your quest for cheaper car insurance in Hawaii.

When shopping for car insurance for military personnel, one of the many things that car insurance companies use to calculate insurance cost is the neighborhood you call home in Hawaii. Areas with more people or more claims like Hilo, Pearl City, and Halawa tend to have more expensive car insurance rates, whereas areas with less traffic congestion and claims generally pay lower car insurance rates.

The illustration below rates the highest-priced areas in Hawaii for active military in which to purchase auto insurance.

Rate information is estimated as specific location information can revise rates noticeably.

Finding decent, budget insurance is tough enough, and finding out which company offers the lowest-priced insurance rates for active military will involve even more perseverance. Insurance rates will be slightly lower-priced than the average price in Hawaii, with the decrease attributed to the potentially lower risk associated with selling coverage for military personnel. Economical insurance should be easily found from a lot of different companies.
Every auto insurer uses different criteria to set their prices, so first let’s look at the rankings for the overall cheapest insurance companies in Hawaii.

Keep in mind that Hawaii insurance rates are impacted by many factors that can increase the cost of coverage. Events such as a birthday, having a teen driver, or getting a DUI can produce rate changes that may make certain companies more affordable than before.

Best Cheap Insurance Rates for Military

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USAA has some of the most affordable car insurance rates in Hawaii at around $954 each year. State Farm, GEICO, Liberty Mutual, and Progressive are also some of the more affordable Hawaii car insurance companies.

As shown in the table above, if you currently have coverage with Liberty Mutual and switched to USAA, you might realize an annual premium reduction of in the vicinity of $467. Hawaii drivers with Progressive may save as much as $654 a year, and Allstate insureds might cut rates by $952 a year.

To find the cheapest car insurance for active military in Hawaii for your vehicle, click here to start your free quote or click through to the companies below.

These premiums are averages across all insureds and vehicles and do not take into consideration a rate decrease for active military. So the auto insurance company that fits your age and vehicle best may not even be shown in the list above. That illustrates why you need to quote rates from many companies using your own specific driver and vehicle information.

Cost and performance of the vehicle you are buying coverage for is a significant factor that determines the availablility of the cheapest car insurance for active military in Hawaii. Vehicles with limited speed and performance, an excellent safety record, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models.

The data below estimates coverage costs for some of the most cost-effective vehicles to insure in Hawaii.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in zip code location which can raise or lower premiums considerably.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can change coverage rates considerably.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Table data does not factor in Hawaii location which can change prices greatly.

Drive safe and save

The common sense way to obtain the cheapest insurance premiums for military personnel is to be a good driver and not get tickets or have accidents. The information below demonstrates how traffic citations and accidents can influence auto insurance costs for different age groups. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

In the previous chart, the average cost of auto insurance in Hawaii per year with a clean driving record and no accidents is $1,138. Get written up for one speeding ticket and the average cost rises to $1,329, an increase of $191 each year. Then add two accidents along with the one speeding ticket and the yearly cost of insurance for active military jumps again to an average of $3,135. That’s an increase of $1,998, or $166 per month, just for not driving carefully!

Discounts on the cheapest car insurance for active military in Hawaii

Insurance companies that offer coverage for active military may have rate discounts that can reduce rates by as much as 40% or more if you meet specific eligibility requirements. Large insurance companies and a summarized list of policyholder discounts can be read below.

• GEICO has discounts for air bags, emergency military deployment, multi-vehicle, membership and employees, anti-lock brakes, and daytime running lights.
• MetLife may have discounts that include claim-free, accident-free, multi-policy, good student, defensive driver, good driver
• Progressive discounts include continuous coverage, online quote discount, multi-vehicle, homeowner, and good student.
• Travelers policyholders can earn discounts including hybrid/electric vehicle, early quote, new car, driver training, home ownership, save driver, and payment discounts.
• SAFECO offers discounts for teen safety rewards, anti-theft, multi-car, bundle discounts, accident prevention training, and safe driver.
• AAA offers discounts including multi-car, pay-in-full, AAA membership discount, good driver, multi-policy, education and occupation, and anti-theft.

The example below shows the difference between yearly insurance costs with and without discounts. The prices are based on a male driver, no claims or driving violations, Hawaii state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with defensive driving course, safe-driver, accident-free, vehicle safety, anti-theft, and marriage discounts applied. When these discounts are applied to the policy premium, the the average yearly reduction on insurance for active military is 28% or $419.

Find the cheapest car insurance for active military in Hawaii

It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help drivers get cheap car insurance.

• Having at-fault accidents will increase rates
• Avoid getting tickets or violations
• Safe vehicles cost less to insure
• Buy your auto and home insurance from the same company and save
• Do not pay for full coverage on older vehicles
• Try to remain claim-free
• Shop around for cheaper rates regularly

That last idea is certainly valuable, as we discussed in this write-up. Prices charged by auto insurers in Hawaii can be modified anytime, so drivers shouldn’t hesitate to buy from a different company if a more affordable rate is found.

We understand brand loyalty, but it isn’t a good idea if that stubbornness costs you a lot of money. It takes less than five minutes to compare rates and find cheaper auto insurance for active military.

Who has the cheapest insurance quotes for military personnel?

Drivers have a lot of ways to find cheap insurance in Hawaii, but the most preferred methods are from an independent or non-exclusive agent, an exclusive insurance agent such as Auto-Owners or State Farm, or from a direct company like Progressive.

You can use whichever you prefer, but they differ slightly in how they work.

Independent agencies are appointed by several companies and can compare rates with all of them. Independent agents have the freedom to give you more rate choices, which can give you a better comparison. If they find a lower price, your policy can be moved and you can keep the same agent.

A captive, or exclusive, agent is ‘exlusive’ to one company, a couple examples are Allstate or State Farm agents. Exclusive agents cannot quote prices from more than just one company, so if their prices are high, they cannot shop around.

Opting to purchase insurance direct means you skip local insurance agents and instead shop direct from companies such as Progressive or Esurance. This option can be a good choice for people who do not have complex finances and know what coverages, limits, and deductibles they need.

So which way is best to buy the cheapest car insurance for active military in Hawaii? We wish we could say buying from a direct car insurance company saves the most money because there are no middleman commissions, but that generally is not the case. It would also be easy to say going through an independent agent is the best way to save due to having more companies to select from, but that is not accurate either. And occasionally, exclusive agencies have coverage prices that cannot be beaten by either independent or direct companies.

Since insurance prices are based on many different factors, the guaranteed way to make sure you’re not overpaying for insurance is to obtain price quotes and compare them. It’s a good idea to get price quotes from independent, exclusive, and direct to have the best selection of rates to choose from. To see some of the cheapest online companies available, click here to view.