Who Has Cheap Insurance for a Honda Accord in Hawaii?

Your chances of finding the best cheap car insurance for a Honda Accord in Hawaii hinges on a whole bunch of rating criteria like whether you own a home, the condition of your credit, and driving citations. Drivers in Hawaii on average pay around $800 each year to buy Honda Accord insurance, but that figure is a valuation calculated based on a 50-year-old single male driver who requires comprehensive and collision coverage and $250 policy deductibles.

But there is a high probability that you are not exactly 50 years old and possibly not even male, you might be married instead of single, and maybe you want higher deductibles. What appears to be a small change in the criteria used to calculate rates can precipitate large changes in the rate quoted for a Honda Accord.

Different coverage needs are the reason why the best way to quote the most affordable coverage for your Honda is to shop around at every renewal for lower rates. Rate quotes are easy and you can get prices from top-rated companies around.

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Your Honda’s trim level will influence the insurance rate, so the rate you will pay to insure a Accord LX 4-Dr Sedan will be $284 less than the insurance cost for the more well-appointed Accord EX-L 2-Dr Coupe model, as shown by the rates below.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in Hawaii location which can revise coverage rates substantially.

Buying low-priced auto insurance is hard enough, and deciding which companies quote the cheapest car insurance rates for a Honda Accord requires a bit more work. Each auto insurance company uses a different method to establish rates, so first we will examine the most budget-friendly car insurance companies in Hawaii.

Cheapest Insurance Rates for Your Accord

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USAA has some of the best car insurance rates in Hawaii at around $964 annually. State Farm, GEICO, Liberty Mutual, and Progressive also qualify as some of the best Hawaii auto insurance companies.

As shown in the table above, if you currently have coverage with Liberty Mutual and switched to USAA, you may realize savings of around $485. Insureds with Progressive may save as much as $660 a year, and Allstate customers might reduce rates by $1,020 a year.

To compare your rates to other Hawaii insurance companies, click here to start your custom quote or click through to the companies below.

Bear in mind that those policy prices are averages for all ages of drivers and types of vehicles and and are not figured with a specific rate value for a Honda Accord. So the auto insurance company that can offer you the lowest price may not even be featured in the list of companies above. That’s why you need to quote rates from as many companies as possible using your own individual information.

Poor driving habits will raise your car insurance rates

The easiest method to earn the best car insurance premiums in Hawaii for an Accord is to be a careful driver and avoid at-fault accidents and violations. The diagram below highlights how speeding tickets and accident claims drive up insurance costs for each different age category. The data is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

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The data above shows the average cost of auto insurance in Hawaii per year with no accidents and a clean driving record is $1,195. Receive one speeding ticket and the average cost swells to $1,369, an increase of $174 each year. Then include two accidents along with the one speeding ticket and the yearly cost of car insurance for a Honda Accord jumps again to an average of $2,888. That’s an increase of $1,693, or $141 per month, just for being a careless driver!

Geico, State Farm, Progressive, or Allstate: Who is cheapest?

When shopping for car insurance, four of the best places to start are Geico, State Farm, Progressive, and Allstate. When added together, they insure almost half of all auto insurance policies in force. All four offer physical damage and liability coverage, but each has different options that buyers can select from. The following table compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages shoppers can find with each company.

Cheapest Honda Accord insurance quotes

Consumers have many ways to comparison shop for car insurance in Hawaii, but the most prevalent are through a captive (or exclusive) agency such as Liberty Mutual or State Farm, an independent or non-exclusive agent, or direct online or over the phone from a company like Geico or Progressive.

You can use whichever method you prefer, but it’s important to point out the distinctions in how they provide rate quotes.

Independent insurance agencies have contracts with multiple insurance companies and can do rate comparisons with all of them. They will provide you with more rates, which can give you a better overall rate comparison. If they find a lower price, an independent agent can move your coverage which prevents you from having to switch agents.

An exclusive ageny is only able to quote rates with one company, two of the more popular are a State Farm or Liberty Mutual agent. They usually cannot give you multiple price quotes, which will not provide a complete price comparison.

Opting to purchase car insurance direct means you do not use either of the other two types of agents and buy direct either online or via phone. Buying direct is a good choice for drivers who do not need advice for risk management and have an above average understanding of how car insurance works and possible exclusions.

When shopping for car insurance, which way works best to buy cheap insurance for a Honda Accord in Hawaii? Most people would assume that buying from a direct car insurance company saves money because there isn’t an agent involved, but unfortunately, it’s not that cut and dried. It would also be easy to say buying from an independent agent guarantees the cheapest rates due to increased selection, but that assumption is not true either. For the right applicant, exclusive agents may have prices that are well below what direct and independents offer.

Since car insurance prices vary so much, the only true way to buy the cheapest coverage is to compare, compare, and compare some more. We highly recommend getting rate quotes from independent agents, exclusive agents, and direct companies in order to be able to find the lowest price. We compiled a list of companies with some of the cheapest online rates that you can click here to view.