How Much is Insurance for a Ford Explorer in Hawaii?

The odds of finding the best cheap coverage for a Ford Explorer in Hawaii hinges on a very complex rating algorithm that uses multiple factors such as the safety rating for your Explorer, if you have recent claims, and any driving offenses on your record. Drivers pay an average rate of $780 every 12 months to buy Ford Explorer insurance, but that is a valuation calculated using a 40-year-old married male driver that included full physical damage coverage and $250 policy deductibles.

But there is a high probability that you are not 40 and possibly not even male, maybe you are single instead of married, or maybe you have a couple of speeding tickets. Have just a small change in rating variables can make a big difference in the cost of a policy.

Not every driver requires the same auto insurance coverages, so your best shot at finding cheap insurance rates for your Ford is to take your time and compare rates from as many companies as possible. To cut your rates now, get a free quote and you will get price quotes from the best companies available.

Compare Ford Explorer Insurance Rates

The trim level of your vehicle will have an impact the annual cost of coverage, so the price to insure a Explorer XLT 2WD trim level will be $82 cheaper than the insurance cost for the fancier Explorer Limited AWD trim level, as shown in the chart below.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in specific location information which can affect premiums greatly.

Hawaii insurance company ratings

Insuring your vehicle with a high-quality company can be difficult considering how many choices there are in Hawaii. The rank data listed below can help you choose which car insurance providers you want to consider when comparing insurance rates for a Ford Explorer.

The rankings below include large insurance companies, so companies that may only write in Hawaii are not taken into consideration for these rankings. To compare price quotes from these and other companies in Hawaii, simply click here.

The illustration below shows how choosing a deductible can impact insurance costs when getting quotes for cheap insurance for a Ford Explorer. The price estimates are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 1845,1703,1535,1375],[‘Age 30’, 1293,1191,1067,947],[‘Age 40’, 1277,1177,1059,945],[‘Age 50’, 1125,1037,935,839],[‘Age 60’, 1069,987,887,795],[‘Age 70’, 1141,1055,955,859]]);var options = {title: ‘Deductibles and Ford Explorer Insurance Rates in Hawaii’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could cut expenses by $190 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $286 by selecting a $1,000 deductible. Even younger insureds, such as the Age 20 example, could possibly save $470 or even more just by choosing larger deductibles.

When raising deductibles, it is important to have additional savings on hand to satisfy the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

The importance of shopping around

Hawaii insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay for coverage. Simply having a birthday, buying a different vehicle, or getting a ticket for careless driving can trigger rate changes that can make some companies more affordable than others.

And not only may your rating factors change, but auto insurance companies change prices without warning as an adjustment for underwriting gains or losses. A period of higher than normal claims can result in additional price hikes, while profitable underwriting can result in lower-cost Explorer insurance rates.

For example, the chart below shows the companies that have the cheapest car insurance in Hawaii for a 35-year-old female driver with no accidents, a clean driving record, and good credit. Based on her personal profile, USAA quotes the best car insurance rates in Hawaii at $964 a year. This is $632 less than the average rate paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive are also on the list of the best Hawaii auto insurance companies.

google.charts.setOnLoadCallback(drawHIWitcqcibChart);function drawHIWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 964, ‘#0D6781’],[‘State Farm’, 1120, ‘#0A556B’],[‘GEICO’, 1376, ‘#084659’],[‘Liberty Mutual’, 1449, ‘#063A4A’],[‘Progressive’, 1560, ‘#05303D’]]);var options = {title: ‘Best Cheap Auto Insurance for a Ford Explorer’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1660,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The next chart shows rates after we give the driver from the first set of rates a chargeable claim, a lower credit rating, and a few traffic violations. Because each insurer has a proprietary formula to determing premium rates, analyzing rate quotes could now result in a completely different list of cheap Hawaii auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawHIWcqcibChart);function drawHIWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘State Farm’, 1792, ‘#DB7900’],[‘USAA’, 2042.4, ‘#B66400’],[‘GEICO’, 2064, ‘#975300’],[‘Liberty Mutual’, 2173.5, ‘#7D4500’],[‘Allstate’, 2182.4, ‘#683900’]]);var options = {title: ‘Cheapest Rates After Accident/Violation’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:2282.4,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

State Farm now has the best insurance rate in Hawaii with USAA, GEICO, Liberty Mutual, and Allstate also being competitive. This shows why Hawaii drivers need to compare many different companies to find the best car insurance quotes for a Ford Explorer.

Car insurance prices are made up of many things and change dramatically, so the lowest-price company three years ago may now be quite expensive.

Find cheap insurance for a Ford Explorer in Hawaii

The list below shows some thrifty ideas that can help Hawaii drivers buy cheap car insurance.

• Maintain a safe distance and avoid accidents
• Bundle home or renters insurance to earn a discount on car insurance
• Drive safe vehicles
• Do not get tickets or violations
• Save money by staying claim-free
• Shop around for lower rates once a year

The final tip is extraordinarily critical, as was pointed out in this article. Prices can be changed at any time, so drivers shouldn’t hesitate to switch to a new company if a more affordable price is available. Having a favorite company is great, but it isn’t a good idea if that stubbornness costs you a lot of money every month. It only take a few minutes to compare prices and find cheaper insurance for a Ford Explorer.