It’s hard to miss the captivating ads from insurers like Farmers and GEICO that say if you switch you’ll get the cheapest price, so drivers just need to pick the one with the best commercial, right?

Unfortunately, it’s not that simple as there are a whole bunch of unknown elements like the amount of liability coverage you want, your date of birth, and if you are single or married, that all factor into the price you pay

For Hawaii drivers, one of the components that is used to calculate auto insurance rates is the neighborhood you call home in Hawaii. Cities with larger populations or higher claim trends like Hilo, Ewa Beach, and Makakilo are more likely to pay higher prices, whereas areas with less crime or weather claims benefit from lower coverage costs.

Figuring out which companies offer the cheapest car insurance rates for business use may require a little more sweat in order to find coverage that fits your buget. Each insurer uses their own formula for setting rates, so we will examine the car insurance companies that tend to be cheaper in Hawaii.

Our editors keep telling us that when writing about car insurance, the word affordable shouldn’t be used as a descriptor for auto insurance rates. Notwithstanding, cheap auto insurance for low mileage drivers can be hard to find. But don’t let us ruin your dream, because we will show you how you can find and buy auto insurance that you can fit into your budget.

The model of vehicle requiring insurance is a large factor when trying to find the best cheap car insurance for drivers over age 70 in Hawaii. Vehicles with high performance features, poor safety ratings, or a history of substantial liability claims will cost more to insure than more modest models.

The information below shows coverage prices for the most cost-effective vehicles to insure in Hawaii.

Finding affordable coverage for a Kia Forte in Hawaii relies on a calculation that uses factors like how old the Forte is, if you have ever let your policy lapse, and any prior driving citations you have received.

Our content editors always give us grief that when writing about auto insurance, the words “cheap” or “affordable” really shouldn’t be used anywhere in the article to describe car insurance prices. It’s just reality that cheap car insurance for safe drivers may be a thing of the past.

For teenagers, one of the big things that help determine the annual cost of car insurance is where you call home in Hawaii. Cities with more crime and/or more people like Hilo, Waipahu, and Kaneohe will most likely pay more, whereas areas with less congestion benefit from lower rates.

The next table ranks the highest-priced places in Hawaii for high school students to buy an auto insurance policy in.

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.

The vehicle on the policy is a large factor when shopping for cheap insurance for 17 year olds in Hawaii. Vehicles with higher performance characteristics, poor safety ratings, or a track record of large liability claims will cost quite a bit more to insure than safer models.

The next table presents car insurance premiums for some of the more afforable automobiles to insure.