What Car Insurance is Cheapest for a Ford Edge in Honolulu?

Finding cheaper car insurance for a Ford Edge in Hawaii can be really easy, but it is dependent upon a lot of things such as how old the Edge is, your claims history, and driving citations. Drivers pay approximately $648 per year for Edge insurance, but that amount is a valuation based upon a 50-year-old single female driver with full coverage and $1,000 deductibles.

The issue with using an average estimated rate is the likelihood you are not 50 years old and maybe not even female, you might be married instead of single, and maybe you want different deductibles. Just a minor difference in rating variables may result in a big change in the price of coverage.

There is no one cookie-cutter policy that works for everyone, so the only real way to find cheap auto insurance rates for your Ford is to do a thorough rate comparison.

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Your vehicle’s trim level can impact the cost of coverage, so the price you will pay to insure a Edge SE 2WD will be $90 cheaper than the price to insure the more expensive Edge Sport AWD model, as shown in the table below.

Ford Edge Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $94 $174 $300 $18 $90 $676 $56
Edge SE AWD $94 $212 $300 $18 $90 $714 $60
Edge SEL 2WD $94 $212 $300 $18 $90 $714 $60
Edge Limited 2WD $94 $212 $300 $18 $90 $714 $60
Edge SEL AWD $94 $212 $300 $18 $90 $714 $60
Edge Limited AWD $108 $250 $300 $18 $90 $766 $64
Edge Sport 2WD $108 $250 $300 $18 $90 $766 $64
Edge Sport AWD $108 $250 $300 $18 $90 $766 $64
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rates do not factor in vehicle garaging location which can influence rates considerably.

Hawaii insurance companies

Buying coverage from the highest-rated car insurance provider can be difficult considering how many different companies sell coverage in Honolulu. The ranking data below can help you pick which insurers to look at comparing rates from.

The rankings below include large, nationwide insurance companies, so companies that only write business in Hawaii or surrounding areas will not be included in this list. If you wish to compare rates from these and other competitive companies, just click here.

Top 10 Major Auto Insurance Providers in Honolulu 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 10 Major Auto Insurance Providers in Honolulu 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

Impact of violations and accidents on rates

The easiest way to receive good insurance prices for an Edge is to drive safe and avoid accidents and violations. The information below highlights how speeding tickets and accident claims can raise insurance costs for different age categories. The information is based on a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,382. Factor in two speeding tickets and the average cost surges to $1,906, an increase of $524 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of insurance for a Ford Edge jumps again to an average of $2,440. That’s an increase of $1,058, or $88 per month, just for a couple of infractions!

Get discounts on Honolulu insurance rates

Insurance for an Edge in Honolulu, HIAuto insurance companies that offer cheap quotes for a Ford Edge may have discounts that could reduce prices by 30% or more if you are eligible. A few of the larger companies and a selection of discounts can be read below.

The illustration below compares annual premium costs with and without discounts applied to the rates. The prices are based on a female driver, no accidents or driving violations, Hawaii state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with accident-free, anti-theft, safe-driver, claim-free, marriage, and passive restraint discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for a Ford Edge is 28% or $462.

Low rates can quickly become overpriced

Honolulu insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay. Improving your credit rating, having a claim, or getting a speeding ticket may prompt premium changes that can cause some rates to be more affordable than the competition. In addition to those changes, insurers change their prices every year or even multiple times each year in order to be able to pay unexpected claims. Heavy losses may cause higher prices, while a better loss history may result in lower-cost Edge insurance rates.

The graph below shows the companies that have the cheapest car insurance in Honolulu, HI for a 30-year-old female driver with no violations or accidents, and good credit. If we look at prices based on her current situation, USAA has the lowest car insurance rates in Honolulu at $954 a 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 remainder of the cheapest Honolulu, HI auto insurance companies.

Let’s now give the driver from above a chargeable claim, less-than-perfect credit, and a few blemishes on her driving record. Due to the fact that each insurance company has a unique approach to determining premium rates, getting updated rate quotes may now present a different set of the cheapest Honolulu car insurance companies as shown below.

State Farm now has the cheapest car insurance in Honolulu, HI with USAA, First of Hawaii, GEICO, and Liberty Mutual also having competitive pricing. This example proves why Hawaii drivers need to compare many different companies to get cheap auto insurance rates for a Ford Edge.

Car insurance prices can be determined by many things and change dramatically, so the lowest-price company a year ago may now be an over-priced policy.

How to find cheaper auto insurance for a Ford Edge

Here are a few penny-pinching suggestions that can help drivers get low-cost coverage.

That last piece of advice is highly vital, as we discussed in the article above. Prices charged by car insurance companies can change considerably in a year, so you should be ready to switch to a new company if a lower-cost policy is available.

Brand loyalty is great, but it’s not recommended if that stubbornness costs you a lot of money. In just a couple of minutes you could compare prices and find cheaper insurance for a Ford Edge in Honolulu.

The agents listed below can help you make a decision which auto insurance policy fits you best, since some people have coverage questions and would like to have a consultation when trying to find the best insurance rates for a Ford Edge. It can be hard to find the best coverage yourself, and insurance agents licensed in the state of Hawaii can add peace of mind knowing your policy gives you sufficient protection if you have a claim. To find an agent in your neighborhood, click the button at the bottom of the list.

Allstate Insurance: Matthew Shido
3221 Waialae Ave Ste 386Honolulu, HI 96816(808) 737-3500

Sean Huh – State Farm Insurance Agent
23 S Vineyard Blvd #205Honolulu, HI 96813(808) 528-0001

Scott Saito – State Farm Insurance Agent
1150 S King St #901dHonolulu, HI 96814(808) 946-8464

Kevin Takahashi – State Farm Insurance Agent
1284 Kalani St d108Honolulu, HI 96817(808) 845-0069

View more Honolulu, HI insurance agencies