Who Has Cheap Insurance for a Ford Fusion in Hawaii?

When the topic is car insurance, the word “cheap” really should not be used as a descriptor for car insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Ford Fusion can be hard to find. But don’t let us ruin your dream, because we are going to tell you how you can still get insurance that doesn’t break your budget.

Buying affordable insurance for a Ford Fusion in Hawaii is contingent on many rating factors like if you own the home you live in, the condition of your credit, and physical damage deductibles. Drivers on average pay approximately $810 per year for Fusion insurance, but that policy rate is an approximation that rates a 40-year-old single female that purchased comprehensive and collision coverage and $1,000 policy deductibles.

If we were betting, you are not exactly 40 years old and possibly not even female, maybe you are married instead of single, or maybe you want more liability coverage than is required by law in Hawaii. Different coverage needs are the reason why the best way to quote cheap insurance rates for your Ford is to make a habit of comparing rates at every renewal. Compare rate quotes now and you will be able to compare rates from the best auto insurance companies that insure Ford vehicles in Hawaii.

Compare Ford Fusion Insurance Rates

Your Ford’s trim level will most likely have an effect on the coverage cost, so the price you pay to insure a Fusion S 4-Dr Sedan trim level will be $116 lower than the insurance cost for the higher-end Fusion Sport AWD 4-Dr Sedan version, as shown by the rates below.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rates do not factor in vehicle location which can influence prices noticeably.

Finding a highly-rated insurer can be difficult considering how many companies are available to choose from in Hawaii. The ranking data shown below may help you decide which insurers you want to consider when comparing rate quotes. These rankings are only comprised of companies with a national presence, so companies that only write business in Hawaii or surrounding areas are not taken into consideration for this list.

Top 10 Large 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 10 Large Car Insurance Companies in Hawaii Ranked by Claims Service

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

Top Companies for Ford Fusion Insurance in Hawaii

Impact of violations and accidents on rates in Hawaii

The recommended way to score good car insurance rates for a Fusion is to drive carefully and avoid accidents and traffic violations. The illustration below illustrates how violations and fender-benders increase insurance costs for different age categories. The rate quotes are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

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In the example above, the average cost of an auto insurance policy in Hawaii per year with no accidents or violations is $1,084. Get one speeding ticket and the average cost surges to $1,264, an increase of $180 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of car insurance for a Ford Fusion increases to an average of $1,767. That’s an increase of $683, or $57 per month, just for not being attentive to the road!

Geico, State Farm, Progressive, and Allstate compared

When it comes to buying insurance for a Fusion in Hawaii, the most popular companies are Geico, State Farm, Progressive, and Allstate. The data below compares price, claims, and customer service ratings, as well as some optional coverages that are available for customers.