Cheapest Insurance Quotes for a Honda Pilot in Hawaii

Your chances of finding affordable insurance for a Honda Pilot in Hawaii depends on an enormous amount of factors such as whether you use your Pilot for business use, if you have ever had a coverage lapse, and your driving record. Drivers in Hawaii pay on average $1,000 annually to insure their Pilot, but that cost is using cost data for a 30-year-old single male who purchased comprehensive and collision coverage and $100 deductibles.

Odds are that you are not 30 and maybe not even a male, married instead of single, and you want different coverage limits than the example. Having even a minor difference in rating variables can make a huge difference in price quotes.

Everone’s needs are different, and this illustrates why the only way to find the cheapest insurance price for your Honda is to compare as many rates as possible.

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Your Honda’s trim level will likely have an effect on price, so the rate you will pay to insure a Pilot LX 2WD will be $108 less than the price to insure the higher-priced Pilot Touring 4WD model, as shown below.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in specific Hawaii garaging location which can impact price quotes considerably.

Comparing rates for low-cost auto insurance is not most people’s favorite thing to do, and deciding which insurers offer the cheapest car insurance rates for a Honda Pilot will involve a little more work.

Each company has a unique formula for determining rates, so we’ll take a look at the lowest cost car insurance companies in Hawaii.

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USAA generally has some of the best car insurance rates in Hawaii at around $926 a year. State Farm, GEICO, Liberty Mutual, and Progressive would also be considered some of the cheaper Hawaii car insurance companies.

In the above rates, if you currently have coverage with Liberty Mutual and switched to State Farm, you might realize annual savings of around $301. Drivers with Progressive may save as much as $488 a year, and Allstate insureds might cut rates by $844 a year.

Remember that these policy rates are averaged across all drivers and vehicles in Hawaii and do not take into consideration a specific rate factor for a Honda Pilot. So the car insurance company that fits your situation best may not even be shown in the list of companies shown earlier. That affirms the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.

The information below highlights how deductible selection can influence insurance costs when researching cheap insurance for a Honda Pilot. The information is based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could cut expenses by $304 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $458 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old example, have the ability to save as much as $880 each year by choosing a higher deductible. When choosing a higher deductible, it is essential to have spare funds to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.

Full coverage or liability only

Finding the cheapest insurance for a Honda Pilot in Hawaii is the goal of most vehicle owners, and an easy way to buy cheaper insurance is to only buy liability insurance. The example below compares insurance prices with full phyical damage coverage and with liability coverage only. The data assumes a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Averaged for all ages 20 through 70, full coverage on your policy costs an extra $1,417 per year over having just liability coverage. That may make you wonder if you should buy full coverage. There is no definitive formula of when to exclude physical damage coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are paying over $600 a year for full coverage, the it may be a good time to stop paying for full coverage.

State Farm, Geico, Allstate, and Progressive: Who is best?

When comparing insurance for a Pilot in Hawaii, the companies with the most market share are State Farm, Geico, Allstate, and Progressive. When added together, they insure about half of all car insurance policies in America. The following table shows pricing and service ratings, as well as optional policy coverages shoppers can find with each company.

Best cheap Honda Pilot insurance quotes

Thanks to technology, there are a lot of ways to find cheaper car insurance in Hawaii, but the most common are through an independent agent, a captive (or exclusive) agency like Liberty Mutual or Allstate, or buying direct from a company like Progressive or Geico. They all have the same basic principle, but shoppers should understand the differences in how they provide price quotes.

Independent agents write business for many companies and can get policy pricing from every one. These types of agencies are not restricted to one company and can give you a larger rate selection, which can help you get better odds of saving money. If your agent finds better pricing, it’s simple to move the policy which makes it simple for you.

A captive, or exclusive, agent is limited to just one company, two examples are Liberty Mutual and Allstate agents. These agents are unable to quote prices from more than a single company, so if rates are high, they cannot give you alternative choices.

Choosing to buy car insurance direct means you bypass local insurance agents and instead shop from a direct company like Esurance or Progressive. Buying direct can be a good choice for drivers who do not need high amounts of coverage and have a good understanding of what car insurance covers and what it doesn’t.

When shopping for car insurance, which way works best to find the cheapest insurance for a Honda Pilot in Hawaii? The majority of people assume that buying from a direct car insurance company results in the best prices since no commissions are paid to an agent, but that does not always hold true. An argument could also be made that going through an independent agent results in the best rates due to having more companies to select from, but that is not accurate either. In many cases, the exclusive agents may have prices that independents and direct companies can’t touch.

Since car insurance prices vary so much, really the only way to ensure you are not overpaying for car insurance is to compare lots of quotes. The ideal approach is to get prices from all three types to get a good idea who is cheapest. For a list of companies with cheap rates in Hawaii, click here to view.