Best Cheap Auto Insurance in Fern Acres, HI (2021)

The average Fern Acres, HI auto insurance rates are $238 per month. The minimum auto insurance in Fern Acres is at least 20/40/10 in coverage to comply with Hawaii auto insurance laws. To find the best cheap auto insurance in Fern Acres, Hawaii, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in Fern Acres is 37.2 minutes
  • The most expensive auto insurance company in Fern Acres for teen drivers is Farmers
  • The minimum auto insurance required in Fern Acres, Hawaii is 20/40/10

Fern Acres, Hawaii auto insurance requirements are 20/40/10 according to Hawaii auto insurance laws. Finding cheap auto insurance in Fern Acres can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fern Acres, Hawaii, including driving record, credit, commute time, and more.

Compare auto insurance in Fern Acres to other Hawaii cities, including Paia auto insurance rates, Papaaloa auto insurance rates, and Fern Acres auto insurance rates to see how Fern Acres, Hawaii auto insurance rates stack up.

Before you buy Fern Acres, Hawaii auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fern Acres, Hawaii auto insurance quotes.

Minimum Auto Insurance in Fern Acres, Hawaii

Fern Acres, Hawaii auto insurance laws require that you have at least the Hawaii minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Fern Acres, Hawaii.

Minimum Required Auto Insurance Coverage in Fern Acres, Hawaii

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Fern Acres, Hawaii Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Fern Acres, Hawaii are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fern Acres, Hawaii

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,452 $2,452 $2,452 $2,452 $2,452 $2,452 $2,452 $2,452
Farmers $5,366 $5,366 $5,366 $5,366 $5,850 $5,850 $5,366 $5,366
GEICO $3,709 $3,709 $3,709 $3,709 $3,709 $3,709 $3,709 $3,709
Liberty Mutual $3,634 $3,634 $3,634 $3,634 $3,677 $3,677 $3,634 $3,634
Progressive $2,192 $2,192 $2,192 $2,192 $3,087 $3,087 $2,192 $2,192
State Farm $1,083 $1,083 $1,083 $1,083 $1,083 $1,083 $1,083 $1,083
USAA $1,210 $1,210 $1,210 $1,210 $1,262 $1,262 $1,210 $1,210

Cheap Fern Acres, Hawaii Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Fern Acres, Hawaii is a challenge. Take a look at the annual teen auto insurance rates in Fern Acres, Hawaii.

Annual Auto Insurance Rates for Teen Drivers in Fern Acres, Hawaii

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $2,452 $2,452
Farmers $5,850 $5,850
GEICO $3,709 $3,709
Liberty Mutual $3,677 $3,677
Progressive $3,087 $3,087
State Farm $1,083 $1,083
USAA $1,262 $1,262

Cheap Fern Acres, Hawaii Auto Insurance for Seniors

What are senior auto insurance rates in Fern Acres, Hawaii? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Fern Acres, Hawaii

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,452 $2,452
Farmers $5,366 $5,366
GEICO $3,709 $3,709
Liberty Mutual $3,634 $3,634
Progressive $2,192 $2,192
State Farm $1,083 $1,083
USAA $1,210 $1,210

Cheap Fern Acres, Hawaii Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fern Acres, Hawaii compared to the annual auto insurance rates with a clean record in Fern Acres, Hawaii.

Annual Fern Acres, Hawaii Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $1,460 $2,162 $4,175 $2,009
Farmers $2,625 $3,935 $12,762 $2,625
GEICO $1,552 $2,018 $9,713 $1,552
Liberty Mutual $1,926 $2,417 $7,820 $2,417
Progressive $1,825 $2,575 $2,892 $2,371
State Farm $989 $1,178 $1,083 $1,083
USAA $926 $1,147 $1,849 $968

Cheap Fern Acres, Hawaii Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Fern Acres, Hawaii is not easy. Compare the annual rates for DUI auto insurance in Fern Acres, Hawaii to find the best deal.

Annual Auto Insurance Rates After a DUI in Fern Acres, Hawaii

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,175
Farmers $12,762
GEICO $9,713
Liberty Mutual $7,820
Progressive $2,892
State Farm $1,083
USAA $1,849

Cheap Fern Acres, Hawaii Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Fern Acres, Hawaii can vary. Compare the annual cost of auto insurance by ZIP code in Fern Acres, Hawaii to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Fern Acres, Hawaii

ZIP Code Average Annual Rates
96771 $2,859

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Cheap Fern Acres, Hawaii Auto Insurance Rates By Commute

Commute length and annual mileage affect Fern Acres, Hawaii auto insurance. Find the cheapest annual Fern Acres, Hawaii auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Fern Acres, Hawaii

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,292 $2,611
Farmers $5,487 $5,487
GEICO $3,709 $3,709
Liberty Mutual $3,645 $3,645
Progressive $2,416 $2,416
State Farm $1,083 $1,083
USAA $1,223 $1,223

Cheap Fern Acres, Hawaii Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Fern Acres, Hawaii? Check out the comparison of annual Fern Acres, Hawaii auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Fern Acres, Hawaii

Insurance Company Low Medium High
Allstate $2,280 $2,458 $2,616
Farmers $5,285 $5,524 $5,652
GEICO $3,544 $3,733 $3,849
Liberty Mutual $3,673 $3,445 $3,817
Progressive $2,214 $2,413 $2,620
State Farm $1,013 $1,086 $1,151
USAA $1,151 $1,222 $1,294

Best By Category: Cheapest Auto Insurance in Fern Acres, Hawaii

Compare the cheapest auto insurance companies in Fern Acres, Hawaii in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Fern Acres, Hawaii

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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The Cheapest Fern Acres, Hawaii Auto Insurance Companies

What auto insurance companies in Fern Acres, Hawaii are the cheapest? Compare the top Fern Acres, Hawaii auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Fern Acres, Hawaii

Insurance Company Average Annual Rates
Allstate $2,452
Farmers $5,487
GEICO $3,709
Liberty Mutual $3,645
Progressive $2,416
State Farm $1,083
USAA $1,223

What affects auto insurance rates in Fern Acres, Hawaii?

There are a lot of reasons why auto insurance rates in Fern Acres, Hawaii are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fern Acres, Hawaii. Many local factors may affect your Fern Acres auto insurance rates.

Fern Acres Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fern Acres, Hawaii commute length is 37.2 minutes according to City-Data.

Compare Fern Acres, Hawaii Auto Insurance Quotes

Before you buy Fern Acres, Hawaii auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fern Acres, Hawaii auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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