Cheap Insurance Quotes for a Honda CR-V in Hawaii

When the topic is car insurance, the word “cheap” should not appear anywhere to describe car insurance rates. Forgive the oxymoron, but cheap car insurance for a Honda CR-V just does not exist. But don’t despair, because we are going to tell you how you can still find coverage that you can fit into your budget.

Your odds of finding cheap auto insurance for a Honda CR-V in Hawaii relies on many rating factors like how many years you have been driving, what you do for a living, and deductibles for comprehensive and collision coverage. Hawaii drivers pay on average $450 each year for CR-V insurance, but that cost is calculated using a 50-year-old married female driver with full coverage including both comprehensive and collision and $1,000 physical damage deductibles.

Most likely you are not 50 years old and maybe not even female, maybe you are single instead of married, and you might want liability-only or different deductibles. Just a very minor change in policy rating variables can cause significant differences in policy price.

Insurance is an individual thing, so the best method for finding the most affordable coverage for your Honda is to just compare rates yourself.

Find Cheaper Honda CR-V Insurance

The trim level of your vehicle tends to have a direct impact on the cost of insurance, so the cost to insure a CR-V LX 2WD will be $14 cheaper than the cost to insure the higher-end CR-V EX-L 4WD version, as shown in the prices below.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific Hawaii garaging location which can influence coverage rates significantly.

Finding the right car insurance company can be rather challenging considering how many different companies insure vehicles in Hawaii. The ranking information in the next section can help you analyze which car insurance providers to look at when buying insurance for a Honda CR-V. These rankings are only made up of large nationwide companies, so companies that focus mainly on Hawaii business are not taken into consideration for the list.

Top 10 Major Car Insurance Companies in Hawaii Ranked by Customer Service

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

Top 10 Major Car Insurance Companies in Hawaii Ranked by A.M. Best Rating

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

Top Companies for Honda CR-V Insurance in Hawaii

The information below illustrates how your choice of deductibles can increase or decrease insurance rates when trying to find cheap insurance for a Honda CR-V. The rate quotes are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2649,2417,2161,1915],[‘Age 30’, 1399,1289,1155,1027],[‘Age 40’, 1379,1261,1125,995],[‘Age 50’, 1255,1149,1029,913],[‘Age 60’, 1213,1113,995,885],[‘Age 70’, 1457,1341,1215,1093]]);var options = {title: ‘Impact of Deductible Levels on Honda CR-V Insurance Rates in Hawaii’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda CR-V’,minValue: 0,format: ‘$###,###’},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);}

The data above shows that a 40-year-old driver could reduce rates by $226 a year by switching from a $100 deductible up to a $500 deductible, or save $342 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old, can save $734 annually just by choosing higher deductibles. If you do decide to increase your deductibles, it’s a good idea to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Company comparison: Geico vs State Farm vs Progressive vs Allstate

When it comes to buying car insurance, four companies to take a look at are Geico, State Farm, Progressive, and Allstate. They all have the same basic coverages, but each one has different features and discounts that you can choose from. The next table ranks price and claims rank as well as some different options shoppers can find with each company.

Find cheap insurance for a Honda CR-V in Hawaii

Lowering your rates is not difficult, and here are a few money-saving solutions that can help Hawaii drivers find cheaper auto insurance.

• Good credit can save money
• Increase your deductibles
• Drop full coverage on older vehicles
• Safer vehicles cost less to insure
• Do not file small claims
• Bundle car and home insurance and save money
• Shop around for cheaper prices often

The last idea is notably significant, as was discussed in this article. Car insurance rates can be adjusted at any time, so don’t be tentative to buy from a different company if a better rate can be found. Having a favorite company is great, but is isn’t recommended if that loyalty ends up costing money that could be spent on other things. It only takes a couple minutes to compare prices to find cheaper car insurance for a Honda CR-V.

Cheapest Honda CR-V insurance quotes

Due to technology, there are many ways to quote cheap car insurance rates in Hawaii, but the most preferred ways are using an independent or non-exclusive agent, an exclusive agency such as State Farm or Auto-Owners, or from a direct company like Progressive or Geico.

You can use whichever you prefer, but buyers need to know the differences in how they work.

Independent insurance agents have contracts with multiple insurance companies and can quote your policy with every one. These types of agencies are not locked into one company and can give you a larger rate selection, which can give you improved odds of finding cheaper coverage. If they find a lower price, your policy is moved internally which makes it easier to save money.

An exclusive ageny is usually just provide rates from just one company, two of the more popular are Liberty Mutual and Allstate agents. Exclusive agents generally are unable to provide rate quotes from other companies, so if prices are high they cannot provide alternatives.

If you buy direct, you forego local insurance agents and buy direct either online or via phone. This option can be good for consumers who do not have a complex risk profile and have some degree of understanding of what specific coverages they need.

Which method works best to buy cheap insurance for a Honda CR-V in Hawaii? The quick answer would be buying from a direct company results in the best prices since there is no middleman, but that is generally not the case. And we’d like to say buying car insurance from an independent agent is the best way to go due to more options, but that assumption is also not necessarily accurate. In many circumstances, the exclusive agents have very competitive rates that are the cheapest in Hawaii.

Due to the large number of rating factors, the best method to get the cheapest rates is to obtain price quotes and compare them. If you have the time, get price quotes from all three in order to find the best price. A great place to start is our list of online companies offering discounts: click here to view.