Affordable BMW 328i Insurance in Honolulu

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Statistics show that most car insurance customers have remained with the same car insurance company for more than four years, and almost 40% of drivers have never compared rates to find cheap insurance. Hawaii consumers could save 40% every year by just comparing quotes, but they don't invest the time required to compare rates and save money.

Discount BMW 328i insuranceThe most effective way to find more affordable BMW 328i insurance is to regularly compare prices from different companies who sell insurance in Honolulu. You can shop around by completing these steps.

First, take a few minutes and learn about how your policy works and the measures you can control to drop your rates. Many risk factors that result in higher prices like speeding and bad credit can be amended by improving your driving habits or financial responsibility.

Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Allstate, while independent agents can provide prices from multiple companies. Find a Honolulu insurance agent

Third, compare the price quotes to your existing rates to see if you can save by switching companies. If you find a lower rate, verify that coverage does not lapse between policies.

Fourth, provide proper notification to your current company of your decision to cancel your existing policy and submit payment along with a signed and completed policy application to your new carrier. Once the application is submitted, keep the new certificate verifying coverage in your vehicle.

One bit of advice is to compare the same amount of coverage on every quote and and to compare as many companies as possible. This ensures a level playing field and a better comparison of the market.

Finding BMW 328i insurance in Honolulu

When shopping for low cost Honolulu car insurance quotes, there are a couple of ways of comparing rates from local Honolulu car insurance companies. One of the best ways to find affordable BMW 328i insurance rates is to get quotes online.

Online shopping is fast and free, and it makes it a waste of time to make phone calls or go to all the different Honolulu insurance agencies. The ability to quote BMW 328i insurance online has reduced the need for local agents unless you have a need for the professional advice only provided by licensed Honolulu agents. Although you can price shop your coverage online but have your policy serviced through an agent. When comparing car insurance rates, know that getting more free quotes increases the chance that you will find the best price. Some companies don't provide online price quotes, so it's recommended that you also compare quotes from those companies as well.

The providers in the list below can provide price comparisons in Hawaii. If multiple providers are shown, we recommend you visit as many as you can to get the best price comparison.

BMW 328i insurance analysis

The information displayed below outlines estimates of policy rates for BMW 328i models. Having a better understanding of how car insurance premiums are calculated can assist in making decisions when shopping around.

BMW 328i Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $198 $398 $278 $16 $84 $974 $81
328I 4-Dr Sedan $198 $398 $278 $16 $84 $974 $81
328I Station Wagon $222 $458 $236 $14 $70 $1,000 $83
328I 2-Dr Coupe $222 $458 $236 $14 $70 $1,000 $83
328I 2-Dr Coupe $222 $458 $236 $14 $70 $1,000 $83
328I xDrive 4-Dr Sedan $222 $458 $278 $16 $84 $1,058 $88
328I xDrive 4-Dr Sedan $222 $458 $278 $16 $84 $1,058 $88
328I 2-Dr Convertible $222 $458 $278 $16 $84 $1,058 $88
328I 2-Dr Convertible $222 $458 $278 $16 $84 $1,058 $88
328I 2-Dr Coupe $222 $458 $236 $14 $70 $1,000 $83
328I xDrive 2-Dr Coupe $222 $458 $236 $14 $70 $1,000 $83
328I xDrive Station Wagon $222 $458 $236 $14 $70 $1,000 $83
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in Honolulu location which can change price quotes noticeably.

Physical damage deductible comparison

The hardest decision when buying coverage is which deductible level should you buy. The premium rates below show how much more rates are of buying low and high comp and collision deductibles. The first rate table uses a $100 physical damage coverage deductible and the second set of prices uses a $500 deductible.

BMW 328i insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $258 $484 $264 $16 $80 $1,127 $94
328I 4-Dr Sedan $258 $484 $264 $16 $80 $1,127 $94
328I Station Wagon $286 $558 $226 $14 $68 $1,177 $98
328I 2-Dr Coupe $286 $558 $226 $14 $68 $1,177 $98
328I 2-Dr Coupe $286 $558 $226 $14 $68 $1,177 $98
328I xDrive 4-Dr Sedan $286 $558 $264 $16 $80 $1,229 $102
328I xDrive 4-Dr Sedan $286 $558 $264 $16 $80 $1,229 $102
328I 2-Dr Convertible $286 $558 $264 $16 $80 $1,229 $102
328I 2-Dr Convertible $286 $558 $264 $16 $80 $1,229 $102
328I 2-Dr Coupe $286 $558 $226 $14 $68 $1,177 $98
328I xDrive 2-Dr Coupe $286 $558 $226 $14 $68 $1,177 $98
328I xDrive Station Wagon $286 $558 $226 $14 $68 $1,177 $98
Get Your Own Custom Quote Go
BMW 328i insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
328I 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
328I Station Wagon $210 $378 $226 $14 $68 $896 $75
328I 2-Dr Coupe $210 $378 $226 $14 $68 $896 $75
328I 2-Dr Coupe $210 $378 $226 $14 $68 $896 $75
328I xDrive 4-Dr Sedan $210 $378 $264 $16 $80 $948 $79
328I xDrive 4-Dr Sedan $210 $378 $264 $16 $80 $948 $79
328I 2-Dr Convertible $210 $378 $264 $16 $80 $948 $79
328I 2-Dr Convertible $210 $378 $264 $16 $80 $948 $79
328I 2-Dr Coupe $210 $378 $226 $14 $68 $896 $75
328I xDrive 2-Dr Coupe $210 $378 $226 $14 $68 $896 $75
328I xDrive Station Wagon $210 $378 $226 $14 $68 $896 $75
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Prices do not factor in vehicle location which can influence prices considerably.

Based on the figures above, using a $100 deductible could cost the average driver approximately $23 more each month or $276 each year across all BMW 328i models than requesting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 17 months between claims, you would most likely save money if you choose the higher deductible.

The diagram below illustrates how your choice of deductibles and can increase or decrease BMW 328i insurance costs for different categories of driver ages. The costs are based on a married male driver, full coverage, and no discounts are applied to the premium.

How violations and accidents impact rates

The illustration below shows how speeding tickets and accidents raise BMW 328i premium costs for different age groups. The rates are based on a single male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

Eight discounts for lower-cost insurance rates

Insuring your fleet can be pricey, but you may find discounts that you may not even know about. A few discounts will automatically apply when you complete an application, but once in a while a discount must be asked about before you get the savings.Save money with discounts

  • Discounts for Government Workers - Being employed by or retired from a federal job could provide a small rate reduction with some insurance companies.
  • Accident Forgiveness - This one isn't a discount, but some companies like State Farm and Allstate may permit one accident before raising your premiums with the catch being you have to be claim-free for a specific time period.
  • Passive Restraints - Cars that have air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
  • Smart Student Discounts - Maintaining excellent grades can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Save over 55 - Drivers that qualify as senior citizens can get a slight reduction on a Honolulu car insurance quote.
  • Early Payment Discounts - If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
  • Multi-Vehicle Discounts - Having several vehicles with one company can reduce the rates for all insured vehicles.
  • ABS Braking Discount - Cars with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more on 328i insurance in Honolulu.

Drivers should understand that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn't make money that way.

The diagram below compares BMW 328i insurance prices with and without discounts applied to the rates. The costs are based on a female driver, no claims or driving violations, Hawaii state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, safe-driver, marriage, and multi-policy discounts applied.

Popular insurance companies and some of the discounts include:

  • Farm Bureau may offer discounts for 55 and retired, youthful driver, driver training, multi-policy, and good student.
  • MetLife offers discounts for multi-policy, claim-free, defensive driver, accident-free, and good student.
  • Progressive offers premium reductions for multi-policy, online quote discount, multi-vehicle, good student, and continuous coverage.
  • AAA includes discounts for education and occupation, pay-in-full, multi-car, anti-theft, and good driver.
  • American Family offers discounts including air bags, good student, TimeAway discount, early bird, and accident-free.
  • GEICO may include discounts for membership and employees, multi-policy, anti-theft, emergency military deployment, federal employee, and air bags.
  • State Farm has discounts for multiple policy, multiple autos, accident-free, safe vehicle, anti-theft, Steer Clear safe driver discount, and good student.

When getting a coverage quote, ask every insurance company to apply every possible discount. All car insurance discounts might not be offered on policies in every state. To view insurance companies with the best discounts in Honolulu, click here to view.

Choosing the best vehicle insurance in Hawaii is an important decision

Even though Honolulu 328i insurance rates can get expensive, paying for insurance is required in Hawaii but it also protects you in many ways.

  • The majority of states have minimum mandated liability insurance limits which means you are required to carry specific minimum amounts of liability coverage in order to be legal. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your BMW 328i has a loan, it's most likely the lender will make it a condition of the loan that you carry insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank will be required to insure your BMW for a much higher rate and force you to reimburse them for it.
  • Insurance preserves not only your vehicle but also your assets. It will also provide coverage for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will pay to have it repaired.

The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. But the average driver in Hawaii is wasting up to $700 annually so compare quotes from several companies at every policy renewal to help ensure money is not being wasted.

Insurance is unique, just like you

When it comes to buying the right insurance coverage, there really is no "perfect" insurance plan. Your needs are not the same as everyone else's and your insurance should be unique as well.Drive safe and save Here are some questions about coverages that may help you determine if your situation might need an agent's assistance.

  • When would I need rental car insurance?
  • Where can I find DUI or SR-22 insurance?
  • I have health insurance so do I need medical payments coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Are my custom wheels covered?
  • Do I have coverage when using my vehicle for my home business?
  • When does my teenage driver need to be added to my policy?

If you're not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Compare rate quotes but buy from a local Honolulu insurance agent

Many people just prefer to go talk to an agent and that is not a bad decision One of the great benefits of price shopping on the web is that you can find the best rates and still have an agent to talk to.

Find insurance agent in HonoluluAfter completing this quick form, your coverage information is sent to local insurance agents in Honolulu that can provide free Honolulu car insurance quotes for your auto insurance coverage. You won't even need to contact any agents since rate quotes are delivered straight to your inbox. You can find the lowest rates AND a local agent. If you wish to get a rate quote for a specific company, you can always jump over to their website to submit a rate quote request.

Finding a good company should include more criteria than just a cheap price. The questions below may impact your decision as well.

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • How much can you save by raising your physical damage deductibles?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • How much experience to they have in personal lines coverages?
  • Do they have a Better Business Bureau rating in Honolulu?
  • Do they offer rental car reimbursement?

Multiple types of car insurance agents in Honolulu

If you need to find a local insurance agency, it's helpful to know the types of insurance agents that you can select. Auto insurance policy providers can be categorized as either exclusive or independent.

Exclusive Auto Insurance Agents

Agents of this type can only write with one company such as Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to provide other company's prices so you need to shop around if the rates are high. They are well trained on their products and sales techniques and that can be a competitive advantage.

Shown below are Honolulu exclusive insurance agents that are able to give price quote information.


1580 Makaloa St #102 - Honolulu, HI 96814 - (808) 945-0802 - View Map


1125 N King St #303 - Honolulu, HI 96817 - (808) 254-7028 - View Map


1960 Kapiolani Blvd Ste 208 - Honolulu, HI 96826 - (808) 955-9090 - View Map

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Independent Agents

Independent agencies do not work for one specific company and that is an advantage because they can write policies with a variety of different insurance companies and potentially find a lower price. If they find a lower price, the agent simply finds a different carrier and you won't have to switch agencies. When comparing auto insurance prices, you absolutely need to include price quotes from several independent agencies to ensure the widest selection of prices.

The following is a list of independent insurance agencies in Honolulu that are able to give rate quotes.


420 Waiakamilo Rd - Honolulu, HI 96817 - (808) 527-7667 - View Map


1022 Bethel St - Honolulu, HI 96813 - (808) 643-4000 - View Map


800 Bethel St # 200 - Honolulu, HI 96813 - (808) 538-6938 - View Map

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Auto insurance policy specifics

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like surgery, chiropractic care and pain medications. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage - Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your BMW 328i.

Because many people only purchase the least amount of liability that is required (20/40/10 in Hawaii), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive auto coverage - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for liability - This coverage will cover damages or injuries you inflict on other people or property. This coverage protects you against other people's claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 20/40/10 which stand for a $20,000 limit per person for injuries, a total of $40,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.

Liability coverage protects against claims such as pain and suffering, bail bonds, attorney fees, loss of income and funeral expenses. How much liability coverage do you need? That is up to you, but it's cheap coverage so purchase as much as you can afford. Hawaii requires drivers to carry at least 20/40/10 but drivers should carry better liability coverage.

The illustration below demonstrates why the minimum limit may not be high enough to adequately cover claims.

Collision coverage - This covers damage to your 328i caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your 328i to bring the cost down.