How Much is Insurance for 4×4 Vehicles in Hawaii?

When we talk about auto insurance, the words “cheap” or “affordable” should never appear anywhere in the article. It’s just a fact that cheap car insurance for 4×4 vehicles can be difficult to find. Don’t let that bother you, though, because we are going to show you how you can get car insurance that is cheaper than what you have now.

The make and model of vehicle you are insuring is a large consideration when comparison shopping for cheap insurance for 4×4 vehicles in Hawaii. Vehicles with higher performance, poor safety features, or a track record of large liability claims will cost substantially more to insure than safer models.

The data below estimates insurance premiums for some of the most budget-friendly vehicles to buy insurance for.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in specific Hawaii garaging location which can raise or lower insurance rates greatly.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in specific zip code location which can change insurance rates greatly.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in specific location information which can affect rates substantially.

One of the more important things that control rate quotes is where you call home in Hawaii. Urban areas that are densely populated like Hilo, Waipahu, and Kapolei tend to pay higher rates, whereas more rural areas profit from lower rates.

The information below shows the most costly cities in Hawaii for 4×4 vehicles to purchase a policy in.

Rate information is comparative as the specific Hawaii residence address can alter price quotes significantly.

Finding out which company offers the lowest-priced insurance rates for 4×4 vehicles will involve a little more effort than just quoting one company’s rates. Each auto insurance company has a unique approach for establishing rates, so we need to take a look at the lowest cost insurance companies in Hawaii.

It’s important to understand that Hawaii insurance rates are determined by lots of factors which can substantially change the price you pay. Simply improving your credit, buying a different home, or getting a speeding ticket may cause policy rate changes resulting in some companies being more affordable than the competition.

Lowest Insurance Price Quotes for 4×4’s

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USAA quotes some of the lowest car insurance rates in Hawaii at around $936 annually. State Farm, GEICO, Liberty Mutual, and Progressive also are some of the cheaper Hawaii auto insurance companies.

In the rate table above, if you currently buy coverage from State Farm and switched to USAA, you may see an annual premium reduction of in the vicinity of $173. Customers with GEICO may save as much as $412 a year, and Liberty Mutual policyholders might cut rates by $470 a year.

Be aware that those premium estimates are averages across all ages of drivers and types of vehicles and and are not calculated with a rate decrease for 4×4 vehicles. So the car insurance company that has the cheapest rates for you may not even be included in the list above. That is why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Careless driving habits raise Hawaii insurance rates

The recommended way to snag cheap insurance premiums in Hawaii for off-road vehicles is to be a safe driver and avoid accidents and traffic violations. The diagram below shows how speeding tickets and at-fault accidents can impact premium costs for each age group. The information is based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

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In the previous example, the average cost of an auto insurance policy in Hawaii per year with no accidents and a clean driving record is $1,615. Get written up for one speeding ticket and the average cost increases to $1,831, an increase of $215 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of insurance for 4×4 vehicles jumps again to an average of $3,763. That’s an increase of $2,147, or $179 per month, just for not driving attentively!

Find cheap insurance for 4×4 vehicles in Hawaii

Lowering your rates is not difficult, and here are a few penny-pinching solutions that can help Hawaii drivers quote more affordable auto insurance.

• Do not pay for full coverage if not needed
• Home or renters coverage can save on auto insurance
• Increase your deductibles
• Avoid price increases by not filing claims
• Better credit scores save money
• Buy a safer vehicle
• Keep rates low by comparing prices once a year

That last tip is highly necessary, as we pointed out in this piece. Prices charged by auto insurers in Hawaii adjust often, so drivers shouldn’t hesitate to buy a policy from a new company if a cheaper rate is available.

Having brand loyalty is commendable, but it’s not a good idea if it’s costing you a wad of cash every year. If you have a few minutes, now is a great time to compare rates to find cheaper auto insurance for 4×4 vehicles.

Cheapest insurance quotes for off-road vehicles

Drivers have many ways to shop for and buy insurance in Hawaii, but the three most common are through an independent insurance agent, a captive (or exclusive) agent such as State Farm or Liberty Mutual, or from a direct 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 are appointed by several companies and can do rate comparisons with all of them. Independent agents are not locked into one company and can quote rates with many companies, which may give you a better chance of finding cheaper coverage. If your agent finds a cheaper company, it’s easy for the agent to move the policy which requires no work on your part.

An exlusive, or captive, agency is ‘exlusive’ to one insurance company, two of the more popular are an Allstate or State Farm agent. These agents are not able to provide rate quotes from other companies, so they are skilled at selling on more than just price.

Choosing to buy insurance direct means you do not use either of the other two types of agents and instead shop from a direct company like Progressive or Geico. Shopping for insurance direct may be a decent choice drivers who have little risk and know what coverages, limits, and deductibles they need.

When shopping for insurance, which way works best for finding cheap insurance for 4×4 vehicles in Hawaii? It would be obvious to point out buying direct saves money since no commissions are paid to an agent, but that generally is not the case. We could also say that an independent agent guarantees the cheapest rates since they have access to many companies, but that is not necessarily true either. And often times, the exclusive agents have very competitive rates that are the cheapest in Hawaii.

Because it’s impossible to say who has the best insurance rates, the best method to get rock-bottom rates is to compare, compare, and compare some more. If time allows, get quotes from all three to have the best selection of rates to choose from. We compiled a list of companies with some of the cheapest online rates that you can click here to view.