Who Has Cheap Insurance Quotes for a Ford F-150 in Hawaii?

Who Has Cheap Insurance Quotes for a Ford F-150 in Hawaii?

Buying cheaper coverage for a Ford F-150 in Hawaii is contingent on a whole bunch of factors such as whether the vehicle is new, your credit history, and driving citations. Drivers pay on average $800 a year to buy insurance for a Ford F-150, but that is an approximation that uses rate data for a 50-year-old single male who needs full comprehensive and collision coverage and $500 deductibles.

Chances are good that you’re not a 50-year-old male, possibly married instead of single, or maybe your F-150 is old enough that it doesn’t require full coverage. Everyone has different rating factors, so the only real way to find cheap car insurance rates for your Ford is to just take the time to do a thorough rate comparison.

Insure Your Ford for Less

The trim level of your Ford will most likely have an effect on the cost of coverage, so the price to insure a F-150 XL Regular Cab 2WD will be $210 lower than the price to insure the fancier F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the prices below.

Ford F-150 Insurance Rates in Hawaii
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $124 $184 $300 $18 $90 $716 $60
F-150 STX Regular Cab 2WD $124 $236 $300 $18 $90 $768 $64
F-150 XL Super Cab 2WD $124 $236 $300 $18 $90 $768 $64
F-150 XLT Regular Cab 2WD $124 $236 $300 $18 $90 $768 $64
F-150 STX Super Cab 2WD $124 $236 $300 $18 $90 $768 $64
F-150 XL Crew Cab 2WD $142 $236 $300 $18 $90 $786 $66
F-150 XLT Super Cab 2WD $142 $236 $300 $18 $90 $786 $66
F-150 STX Regular Cab 4WD $142 $236 $300 $18 $90 $786 $66
F-150 XL Regular Cab 4WD $142 $236 $300 $18 $90 $786 $66
F-150 FX2 Super Cab 2WD $142 $236 $300 $18 $90 $786 $66
F-150 XLT Crew Cab 2WD $142 $236 $300 $18 $90 $786 $66
F-150 XL Super Cab 4WD $142 $236 $300 $18 $90 $786 $66
F-150 XLT Regular Cab 4WD $142 $236 $300 $18 $90 $786 $66
F-150 XL Crew Cab 4WD $162 $236 $300 $18 $90 $806 $67
F-150 STX Super Cab 4WD $162 $236 $300 $18 $90 $806 $67
F-150 XLT Super Cab 4WD $162 $236 $300 $18 $90 $806 $67
F-150 FX2 2WD $162 $286 $300 $18 $90 $856 $71
F-150 Lariat Super Cab 2WD $162 $286 $300 $18 $90 $856 $71
F-150 Lariat Crew Cab 2WD $162 $286 $300 $18 $90 $856 $71
F-150 FX4 Super Cab 4WD $162 $286 $300 $18 $90 $856 $71
F-150 XLT Crew Cab 4WD $162 $286 $300 $18 $90 $856 $71
F-150 FX4 4WD $162 $286 $300 $18 $90 $856 $71
F-150 Lariat Crew Cab 4WD $162 $286 $300 $18 $90 $856 $71
F-150 SVT Raptor Super Cab 4WD $162 $286 $300 $18 $90 $856 $71
F-150 Lariat Super Cab 4WD $162 $286 $300 $18 $90 $856 $71
F-150 Lariat Crew Cab Platinum 2WD $162 $338 $300 $18 $90 $908 $76
F-150 Lariat Crew Cab Harley 2WD $162 $338 $300 $18 $90 $908 $76
F-150 Lariat King Ranch 2WD $162 $338 $300 $18 $90 $908 $76
F-150 Lariat King Ranch 4WD $180 $338 $300 $18 $90 $926 $77
F-150 Lariat Crew Cab Harley 4WD $180 $338 $300 $18 $90 $926 $77
F-150 Lariat Crew Cab Platinum 4WD $180 $338 $300 $18 $90 $926 $77
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect premiums significantly.

Hawaii insurance companies

Picking the best car insurance company can be challenging considering how many companies sell coverage in Hawaii. The ranking data shown next may help you select which companies you want to consider purchasing from. The ratings below include large nationwide companies, so smaller companies that only insure vehicles in Hawaii will not be included in the list.

Hawaii Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Farmers Insurance 78 87 88 79% A 84.3
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

The diagram below highlights how deductible selection can raise or lower insurance costs when getting quotes for cheap insurance for a Ford F-150. The premiums are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

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A 40-year-old driver could pocket $268 a year by increasing from a $100 deductible up to a $500 deductible, or save $406 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could reduce their rates up to $880 or even more by using a higher deductible.

If you do make the decision to raise your deductibles, it will be important to have additional savings on hand to be able to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

A good deal can quickly turn bad

Hawaii insurance rates are calculated based on many things that will increase or decrease the cost of your policy. Simply having a birthday, buying a different home, or having an at-fault accident can cause premium changes that can cause some rates to be cheaper in comparison to the competition.

And not only may your rating factors change, but insurance companies change the rates they charge in Hawaii multiple times each year to help ensure profitability. Higher than normal claim frequency or severity can result in more expensive prices, while profitable underwriting can produce cheaper F-150 insurance rates.

As an example, the chart below compares the cheapest car insurance in Hawaii for a 35-year-old female driver with no violations or accidents, and a decent credit rating. If we look at prices based on her personal risk profile, USAA quotes the lowest car insurance rates in Hawaii at $954 each year. This is $642 less than the average price paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive are the remaining cheapest Hawaii auto insurance companies.

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The chart below compares rates after we give the driver in the first chart some claims, a lower credit score, and a speeding ticket. Since each company has a unique formula for establishing rates, getting updated rate quotes will most likely result in a new list of companies as shown below.

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State Farm now has the cheapest auto insurance in Hawaii with USAA, GEICO, First of Hawaii, and Liberty Mutual completing the list. This example illustrates why it is critical to perform a complete rate comparison when trying to get the most economical car insurance quotes for a Ford F-150. Insurance prices can be altered by many factors and can increase or decrease at any time, so the most economical option when you last compared rates may now be an over-priced policy.

How to find cheap insurance for a Ford F-150 in Hawaii

The list below summarizes some thrifty solutions that can help Hawaii drivers quote low-cost coverage.

  • Do not get tickets
  • Remain accident-free and save
  • Insure your home and auto with the same company
  • Good credit can save money
  • Increase your policy deductibles
  • Try paying for small claims out-of-pocket
  • Keep rates low by shopping around frequently

The final tip is certainly critical, as was emphasized in the article above. Car insurance rates in Hawaii can be changed at any time, so drivers shouldn’t be reluctant to buy a different policy if a more affordable rate is found.

Many drivers tend to have loyalty to a certain company, but it’s not recommended if that stubbornness costs you money that could be going to better use. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for a Ford F-150.

Who has the cheapest Ford F-150 insurance quotes?

Thanks to the internet, there are a lot of ways to get cheap insurance quotes in Hawaii, but the most popular ways are from a non-exclusive or independent agent, a captive (or exclusive) agency such as Liberty Mutual or State Farm, or direct from companies such as Progressive or Geico.

Each way has the same basic process, but shoppers should understand the differences in how they work.

Independent insurance agents can place your business with multiple companies and can get policy pricing from each one. They have the ability to give you more rate choices, which may give you improved chances of finding a lower rate. If they quote lower rates, your policy is moved internally without you having to go to a different agency.

A captive or exclusive agent is usually restricted to one company, examples being an Auto-Owners or State Farm agent. These guys and gals cannot provide rate quotes from other companies, so if prices are high they cannot provide alternatives.

The final way is buying direct, which means you skip an exlusive or independent agent and instead buy direct online or over the phone from a company like Geico or Progressive. Shopping for insurance direct can be a good choice for consumers who have little risk and understand what is covered and what is not.

So which of the methods works best for finding cheap insurance for a Ford F-150 in Hawaii? Most people assume that buying from a direct company results in the best prices since that eliminates agent commissions, but that generally is not the case. We could also assume that using an independent agent is the best way due to having more companies to select from, but that assumption is not true either. In a lot of cases, the exclusive agents have very competitive rates that are the cheapest.

Since insurance companies use so many rating factors, the one way to make sure you’re not overpaying for insurance is to get quotes and compare. Be sure to get prices from all three types to have enough rates to compare. A great place to start is our list of online companies offering discounts: click here to view.