Locating better insurance prices for a new or used car in Hawaii can normally be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to buy auto insurance so you're going to learn the quickest way to get price quotes for a new or used and locate the lowest possible price either online or from Honolulu insurance agents.

Remarkably, a study showed that most drivers have been with the same company for four years or more, and just short of a majority have never quoted auto insurance rates at all. The average driver in Honolulu could save an average of 40% each year just by shopping around, but they don't believe how much money they would save if they bought a different policy.

It's a good habit to shop coverage around quite often because prices are constantly changing. Just because you had the lowest quotes on auto insurance a couple years back there may be better deals available now. There is a lot of wrong information about auto insurance on the web, but in just a couple of minutes you can learn some excellent ideas to find affordable auto insurance in Honolulu.

Finding low cost auto insurance quotes is a great way to save money. You just have to take a couple of minutes comparing free Honolulu car insurance quotes provided by online insurance companies.

The providers in the list below provide free quotes in Honolulu, HI. If the list has multiple companies, we suggest you get prices from several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Honolulu
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 2WD $808 $404 $67
Dodge Grand Caravan CV $792 $396 $66
Dodge Ram Crew Cab SLT 4WD $938 $469 $78
Ford Escape XLS 2WD $888 $444 $74
Ford Explorer XLT AWD $832 $416 $69
Ford F-150 Lariat King Ranch 4WD $1,120 $560 $93
Ford Focus SE 4-Dr Sedan $918 $459 $77
Honda Accord LX-P 4-Dr Sedan $580 $290 $48
Honda CR-V EX 2WD $870 $435 $73
Honda Civic VP 4-Dr Sedan $752 $376 $63
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $716 $358 $60
Kia Optima LX $874 $437 $73
Mazda 3 S Sport 4-Dr Sedan $658 $329 $55
Nissan Altima 3.5 SR 2-Dr Coupe $842 $421 $70
Toyota Camry Hybrid $1,304 $652 $109
Toyota Corolla XLE $754 $377 $63
Toyota Tacoma 4WD $700 $350 $58
Volkswagen Jetta LE 4-Dr Sedan $916 $458 $76
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in vehicle garaging location which can decrease or increase price quotes greatly.

Age-based car insurance rates by gender in Honolulu

The diagram below illustrates the comparison of annual premium costs for male and female drivers in Honolulu. The costs are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium on a Ford Fusion Hybrid.

Ford Fusion rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Rate comparison for different deductibles

The example below shows how choosing a deductible and can influence Hyundai Elantra insurance costs for each different age group. The premiums are based on a married female driver, full physical damage coverage, and no discounts are factored in.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

How much more does full coverage cost?

The example below shows the difference between Ford F-150 insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Hawaii. Data assumes no driving violations, no at-fault accidents, $1,000 deductibles, single female driver, and no additional discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comp and collision

There is no clear-cut formula for dropping physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let's pretend your Ford F-150 book value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $3,000 after paying your deductible. If it's costing in excess of $300 annually for your policy with full coverage, then it might be time to buy liability only.

There are a few situations where buying only liability insurance is not a good idea. If you haven't satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Are car insurance agents used anymore?

Many people just want to get professional advice from a licensed agent. Professional insurance agents can help determine the best coverages and give you someone to call. A nice benefit of getting free rate quotes online is you can get lower premium rates and still have an agent to talk to. And buying from neighborhood insurance agencies is important especially in Honolulu.

Once you complete this quick form, the quote information is transmitted to local insurance agents who will give competitive quotes for your business. It's much easier because you don't need to even leave your home due to the fact that quote results will go to the email address you provide. If you want to get a comparison quote from a particular provider, just find their quoting web page and give them your coverage information.

Honolulu auto insurance agents come in two flavors

When looking for a reliable insurance agent, you must know there are a couple different agency structures and how they work. Agents in Honolulu can be classified as either independent or exclusive. Either can insure your vehicles properly, but it's important to point out how they differ since it can affect which agent you choose.

Independent Insurance Agents

Agents of this type can quote rates with many companies so they can insure your vehicles with any number of different companies and get you the best rates possible. If your agent finds better pricing, they can switch companies in-house and that require little work on your part. If you need cheaper car insurance rates, you need to include rate quotes from independent agents so that you can do a thorough price comparison. Many can place coverage with companies that do not advertise much that can offer cheaper rates than bigger companies.

Below are independent insurance agencies in Honolulu that can possibly get you free car insurance quotes.

More Honolulu agents

Exclusive Agents

These agents can usually just insure with one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive insurance agents receive extensive training on what they offer which helps them compete with independent agents. Some insured continue to choose to use an exclusive agent partially due to loyalty to the company rather than low rates.

Listed below is a list of exclusive insurance agents in Honolulu who can help you get price quote information.

More Honolulu agents

Finding the right auto insurance agent shouldn't rely on just the quoted price. Any agent in Honolulu should be forthright in answering these questions:

Upon receiving good feedback to any questions you have as well as offering an affordable quote, chances are good that you have found an insurance agent that meets the requirements to provide car insurance coverage. Just remember you have the power to cancel your policy whenever you want so never feel that you are obligated to any particular company for the full policy term.

Auto insurance claim information

Which vehicles rank well for chances of having claims? The next tables show the worst and best makes and models for the probability of having claims organized by coverage.

Comprehensive Claims by Manufacturer Model
Lowest Claims Highest Claims
Smart ForTwo Maserati Granturismo
Chevy Spark Bentley Continental GT
Nissan Xterra Mercedes-Benz S Class
Infiniti QX50 Porsche Panamera GTS
Ford F-350 Bentley Continental GTC
Chevy Silverado 2500 Audi S7

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car Insurance Collision Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Ford F-250 SuperCab BMW M6
Jeep Wrangler Bently Continental GTC
Smart ForTwo Ferrari 458
Nissan Xterra Maserati Granturismo
Chevrolet Colorado Audi RS7
GMC Canyon Bently Continental GT

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car Insurance Liability Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Acura MDX Chevrolet Sonic
Volvo XC60 Mitsubishi Mirage
Fiat 500 Kia Rio
Audi A6 Chevrolet Cruze
Mercedes-Benz SL Class Chevrolet Impala
Subaru Forester Mitsubishi Lancer

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford F-250 SuperCrew Mitsubishi Mirage
Tesla Model S Dodge Charger
Audi A4 Allroad Nissan Versa
Chevrolet Silverado 2500 Hyundai Accent
Ford Expedition Chevrolet Spark
Chevrolet Corvette Chevrolet Sonic

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years