What Insurance is Cheapest for a Toyota RAV4 in Honolulu?

Finding cheaper coverage for a Toyota RAV4 in Hawaii depends on a complicated formula that considers factors such as whether you are a homeower, if you have prior claims, and driving violations. Drivers in Hawaii pay approximately $700 a year for RAV4 insurance, but that price is an approximation based upon a 30-year-old married female driver with both comprehensive and collision coverage and $500 deductibles.

Most likely you’re not a 30-year-old female, you might be single instead of married, or maybe you want more liability coverage than is required by law in Hawaii. Auto insurance is not the same for everyone, so the best way to find the cheapest insurance price for your Toyota is to put in the effort to do a thorough rate comparison. Quotes are free and easy and you will receive rate quotes from some of the best insurers around.

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Toyota RAV4 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $162 $272 $270 $16 $80 $800 $67
RAV4 Sport 2WD $162 $272 $270 $16 $80 $800 $67
RAV4 4WD $162 $272 $270 $16 $80 $800 $67
RAV4 Limited 2WD $162 $272 $270 $16 $80 $800 $67
RAV4 Limited 4WD $162 $272 $270 $16 $80 $800 $67
RAV4 Limited 4WD $162 $272 $270 $16 $80 $800 $67
RAV4 Sport 4WD $162 $272 $270 $16 $80 $800 $67
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in specific garaging location which can raise or lower coverage rates noticeably.

Deciding which company has the best auto insurance rates for a Toyota RAV4 takes more work than just comparing a company or two.

Each auto insurance company used slightly different criteria for setting prices, so let’s take a look at the auto insurance companies with the overall best prices in Honolulu. It’s important that you understand Hawaii auto insurance rates are determined by lots of factors that control the price of your policy. Getting older, moving across town, or getting a ticket for careless driving may cause policy rate changes resulting in some rates now being affordable when they were higher priced.

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USAA may have some of the lowest car insurance rates in Honolulu at around $964 a year. This is $632 less than the average rate paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive are also some of the cheaper Honolulu, HI car insurance companies.

In the rate table above, if you are currently insured with State Farm and switched to USAA, you could realize annual savings of in the vicinity of $145. Drivers with GEICO could save as much as $425 a year, and Liberty Mutual customers might reduce rates by $442 a year.

Bear in mind that those premiums are averages for all drivers and vehicles in Hawaii and do not factor in an exact zip code location for a Toyota RAV4. So the insurer that is most affordable for your situation may not even be in the list above. That underscores the importance of why you need to get car insurance quotes using your own individual information.

Responsible drivers pay cheaper Honolulu auto insurance rates

The obvious way to maintain the best auto insurance premiums in Honolulu for a RAV4 is to be a cautious driver and avoid accidents and traffic violations. The example below shows how traffic citations and fender-benders increase premium costs for different age groups. The premiums are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

The data charted above shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,141. Get written up for two speeding tickets and the average cost surges to $1,615, an increase of $474 each year. Now add in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Toyota RAV4 increases to an average of $2,094. That’s an increase of $953, or $79 per month, just for being a little careless behind the wheel!

Last year’s bargain might be this year’s rip off

Honolulu auto insurance rates are calculated based on many things which can substantially change the cost of coverage. Simply getting older, increasing liability limits, or getting a couple of tickets can trigger price changes that can cause some rates to be more affordable than the competition.

Not only may things change on your end, but insurance companies amend premium rates as often as every three months in order to protect their financial rating. An extended period of higher than normal claims can cause higher rates, while lower claims can produce cheaper RAV4 insurance rates.

The bar chart below shows a variety of companies that have the cheapest car insurance in Honolulu, HI for a 40-year-old female driver with no prior claims, no tickets, and good financial standing. When quoting prices based on her current risk profile, USAA may have the lowest car insurance rates in Honolulu at $936 per year. This is $660 less than the average premium paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive also make the list of the most affordable Honolulu, HI auto insurance companies.

Now let’s give the driver from the first rate comparison a chargeable claim, a lower credit rating, and a speeding ticket. Since each company has a different formula to set policy rates, comparing quotes will most likely result in a significantly different list of affordable companies as shown below.

State Farm now has the best price on car insurance in Honolulu with USAA, GEICO, First of Hawaii, and Liberty Mutual also being competitive. This shows why it is important to perform a complete rate comparison to get the best insurance quotes for a Toyota RAV4. Insurance prices are influenced by many factors and can decrease or increase without notice, so the cheapest company the last time you compared rates may now cost much more than other companies.

If you prefer to get some professional advice when buying car insurance for a Toyota RAV4, the insurance agencies listed below can help you make a decision which coverage fits your budget. To find a Honolulu insurance agent by location nearest to you, click the button following the list.

Allstate Insurance: Thomas Choi
1130 N Nimitz Hwy Rm A260Honolulu, HI 96817(808) 664-0970

Kaina Kauahi – State Farm Insurance Agent
560 N Nimitz Hwy #217fHonolulu, HI 96817(808) 524-9997

Gwenette Higa – State Farm Insurance Agent
841 Bishop St #203Honolulu, HI 96813(808) 531-9918

Tina Tay – State Farm Insurance Agent
3615 Harding Ave Ste 303Honolulu, HI 96816(808) 394-5433

First Insurance Co of Hawaii Limited
1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818Honolulu, HI 96818(808) 527-7777

View map of Honolulu, HI insurance agents

How to find low-cost auto insurance for a Toyota RAV4

The list below shows some of the better money-saving solutions that can help Honolulu drivers get low-cost coverage.

That last piece of advice is certainly critical, as was discussed in this write-up. Prices charged by companies change a lot, so don’t be afraid to change insurance companies if a better deal can be had.

We understand brand loyalty, but it’s not a great idea if that inflexibility results in costing you hundreds of dollars year after year. Take a couple minutes and compare prices and find cheaper auto insurance for a Toyota RAV4 in Honolulu.