Who Has the Cheapest Insurance Quotes for a Toyota RAV4 in Hawaii?

When we talk about auto insurance, the word cheap shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap car insurance for a Toyota RAV4 can seem impossible to find. But fear not, because there may be ways you can still get auto insurance that may not be cheap, but it is affordable.

The likelihood of finding cheap insurance for a Toyota RAV4 in Hawaii is dependent upon a complicated equation that takes into consideration things like how far you commute, where your vehicle is garaged, and any prior driving citations you have received. Drivers will pay on average $610 a year to insure a Toyota RAV4, but that policy rate is a ballpark figure assuming a 30-year-old married male driver that purchased both comprehensive and collision coverage and $1,000 policy deductibles.

There is a good chance you aren’t exactly 30 years old or even a male, possibly single instead of married, and you might want liability-only or different deductibles. Having the smallest difference in policy rating data can result in a large change in the coverage rate.

Every driver has a different risk profile, so the best method for finding cheap insurance rates for your Toyota is to quote often and with as many companies as possible.

Compare Toyota RAV4 Insurance Rates

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in vehicle garaging location which can raise or lower insurance rates considerably.

Choosing a good quality auto insurance provider can be difficult considering how many choices there are in Hawaii. The information in the next section can help you decide which providers you want to consider when insurance shopping for a Toyota RAV4. These rankings only include the companies with a significant amount of written premium nationwide, so smaller regional companies are not included in this list.

Top 10 Large Auto Insurance Companies in Hawaii Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. State Farm
5. AAA Insurance
6. Nationwide
7. Safeco
8. Esurance
9. Allstate
10. Liberty Mutual

Top 10 Large Auto Insurance Companies Overall in Hawaii

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. Progressive
8. Allstate
9. Nationwide
10. Liberty Mutual

Top Companies for Toyota RAV4 Insurance in Hawaii

Impact of violations and accidents on rates

In a perfect world, the ideal way to enjoy the most affordable insurance prices in Hawaii for a RAV4 is to drive safe and avoid accidents and violations. The information below shows how speeding tickets and accident claims can drive up car insurance costs for each age group. The costs are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

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The data in the chart shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,712. Receive one speeding ticket and the average cost increases to $1,939, an increase of $226 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of insurance for a Toyota RAV4 increases to an average of $3,846. That’s an increase of $2,134, or $178 per month, just for not driving carefully!

Progressive vs Allstate vs Geico vs State Farm

If you want the best car insurance, the most popular companies are Progressive, Allstate, Geico, and State Farm. Each one has unique features and discounts that shoppers can choose from. The next table breaks down price, claims, and customer service ratings, as well as some optional coverages that are available for buyers.

Best cheap Toyota RAV4 insurance quotes

Drivers have many ways to buy insurance in Hawaii, but the most prevalent ways are using an independent or non-exclusive agent, an exclusive agency like State Farm or Allstate, or from a direct company like Geico. Each way is similar, but it’s good to know the differences in how they work.

Independent agents have contracts with multiple insurance companies and can compare coverage rates with each one. They are not limited to a single company and can provide you with more rates, which may provide you with the best shot at cutting your rates. If your agent finds better pricing, your policy can be easily switched to a new company which prevents you from having to find an new insurance agent.

An exlusive, or captive, agency is usually just provide rates from a single company, two popular examples being State Farm and Allstate agents. Exclusive agents normally do not have the ability to give you multiple price quotes, so drivers will want to get other quotes as well.

If you choose to buy insurance direct, you skip the middleman (the agent) and instead shop direct from companies such as Esurance or Geico. Buying insurance direct is good for families who do not have a lot of assets and have knowledge of how insurance works.

Which method works best for finding the cheapest insurance for a Toyota RAV4 in Hawaii? It would be easy to say buying from a direct car insurance company results in the cheapest rates because there is no agent involved, but unfortunately, that is not the case. It could also be said an independent agent guarantees the best prices because you have more choices, but again, that’s not accurate. In some circumstances, exclusive agencies have extremely competitive rates that are the lowest in Hawaii.

Since insurance prices vary so much, the guaranteed way to not overpay for insurance is to compare rate quotes from as many companies as possible. Be sure to get price quotes from all three to have the best selection of rates to choose from. For a list of insurance companies with low rates, click here to view.