Cheap Insurance Quotes for a Ford Focus in Hawaii

Whenever people write about auto insurance, the word affordable should not be used anywhere in the article. It’s just reality that cheap auto insurance for a Ford Focus is not easy to find. Don’t let that discourage you, because we will teach you how you can still find insurance that is cheaper than what you have now.

The chances of buying the cheapest auto insurance for a Ford Focus in Hawaii relies on an enormous amount of factors such as how many miles you drive each year, your claims history, and your policy deductibles. Drivers will pay on average $550 a year for Focus insurance, but that policy rate is a projection based on cost data for a 50-year-old married female that included full physical damage coverage and $1,000 deductibles.

But there is a high probability that you are not 50 and maybe not even a female, possibly single instead of married, or maybe you live in a different area as the quoted rates. Having just a slight change in price quote data can result in a big discrepancy in the coverage rate.

Everone’s needs are different, and this illustrates why the best way to find cheap auto insurance rates for your Ford is to get into the habit of shopping around regularly.

Find Cheaper Ford Focus Insurance

Your vehicle’s trim level will have an impact the cost of coverage, so the price to insure a Focus S 4-Dr Sedan model will be $92 cheaper than the price to insure the higher-end Focus SES 2-Dr Coupe version, as demonstrated by the prices below.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can impact prices noticeably.

Best auto insurance in Hawaii

Buying coverage from a good quality insurance provider can be a challenge considering how many companies sell coverage in Hawaii. The ranking data shown below may help you decide which car insurance companies you want to consider comparing rates from.

The rankings below are only comprised of the largest companies in America, so companies that only write business in Hawaii or surrounding areas will not be included in these rankings. If you’d like to compare prices from these companies and more, simply click here.

Top 10 Major Auto Insurance Companies in Hawaii Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. Nationwide – 90%
4. State Farm – 90%
5. GEICO – 89%
6. The Hartford – 89%
7. Allstate – 88%
8. Liberty Mutual – 88%
9. Progressive – 87%
10. Esurance – 87%

Top 10 Major Auto Insurance Companies Overall in Hawaii

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

Top Companies for Ford Focus Insurance in Hawaii

Difference between full coverage and liability only rates

Finding cheap insurance for a Ford Focus in Hawaii should be important to the majority of people, and a great way to find cheaper insurance is to buy liability only. The diagram below illustrates the difference between car insurance rates when comparing full coverage to liability only. The rates are based on no claims or driving citations, $100 deductibles, marital status is single, and no discounts are taken into consideration.

If we average all the age groups together, physical damage coverage on your policy costs $2,038 per year over liability only. That is a big expense that brings up the question if it’s a good idea to buy full coverage. There is no set guideline of when to stop paying for full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then you might consider buying liability only.

There are a few cases where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Impact of citations and accidents on insurance rates

The best way to obtain affordable auto insurance prices for a Focus is to pay attention while driving and have a clean driving record. The chart below demonstrates how citations and at-fault claims influence premium costs for different insured age categories. The price estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

In the prior example, the average cost of a car insurance policy in Hawaii per year with a clean driving record and no accidents is $1,509. Get one speeding ticket and the average cost increases to $1,732, an increase of $223 each year. Now add one accident along with the one speeding ticket and the annual cost of auto insurance for a Ford Focus increases to an average of $2,369. That’s an increase of $860, or $72 per month, just for not driving carefully!

Which car insurance company is best?

When researching insurance for a Focus in Hawaii, the most popular companies are Allstate, Geico, Progressive, and State Farm. The table below points out some of the different features that are available.