Compare Mazda 6 Insurance Rates in Honolulu

Insurance for Mazda 6If saving money is your primary concern, then the best way to get cheaper auto insurance rates in Honolulu is to do a yearly price comparison from insurers in Hawaii.

One thing to remember is to try to use the same coverage limits and deductibles on each quote and and to analyze as many companies as possible. This enables the most accurate price comparison and a thorough selection of prices.

Unimaginable but true, the vast majority of drivers have stayed with the same insurance company for more than four years, and about 40% of consumers have never compared rates from other carriers. With the average auto insurance premium being $1,000, Hawaii drivers could save an average of approximately 40% each year, but most just don’t grasp the large savings they would see if they switched to a cheaper policy.

Our goal in writing this article tell you how car insurance quotes work and also save some money in the process If you currently have car insurance, you stand a good chance to be able to find the best rates using the ideas presented in this article. Comparison shoppers just need to use the proper way to shop their coverage around online from multiple companies.

Finding a lower price on Mazda 6 insurance is actually easier than you may think. You just need to spend a few minutes on the computer to get quotes from some recommended companies.

Comparing rates online is fast and free, and it replaces the need to call or drive to different Honolulu agent offices. Doing it all online eliminates this option unless you’re the type of person who wants the professional abilities of an agent trained in personal lines coverage. It is possible to comparison shop online but buy from a local insurance agent.

The companies shown below offer free rate quotes in Honolulu, HI. If multiple providers are shown, we suggest you compare several of them to get a more complete price comparison.

Save a ton by applying discounts

Buying car insurance is not cheap, but you might be missing out on some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be specifically requested before they will apply.Car insurance discounts

You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you can get free auto insurance, insurance companies wouldn’t stay in business.

The chart below shows the difference between Mazda 6 auto insurance rates with and without discounts applied to the policy premium. The rates are based on a male driver, no violations or claims, Hawaii state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, claim-free, multi-car, and multi-policy discounts applied.

Car insurance companies that may include these benefits include:

When quoting, ask every prospective company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your state.

Insurance coverage analysis

The premium table displayed next highlights a range of insurance prices for Mazda 6 models. Having a good understanding how insurance rates are figured can aid in making decisions on the best policy to buy.


Mazda 6 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $218 $464 $344 $20 $104 $1,150 $96
6 I SV 4-Dr Sedan $218 $464 $344 $20 $104 $1,150 $96
6 I Touring 4-Dr Sedan $218 $464 $344 $20 $104 $1,150 $96
6 I Touring Plus 4-Dr Sedan $246 $464 $344 $20 $104 $1,178 $98
6 I Touring Plus 4-Dr Sedan $246 $464 $344 $20 $104 $1,178 $98
6 I Grand Touring 4-Dr Sedan $246 $548 $344 $20 $104 $1,262 $105
6 S Touring Plus 6 Cyl 4-Dr Sedan $246 $548 $344 $20 $104 $1,262 $105
6 S Touring Plus 4-Dr Sedan $246 $548 $344 $20 $104 $1,262 $105
6 S Grand Touring 4-Dr Sedan $246 $548 $344 $20 $104 $1,262 $105
6 S Grand Touring 6 Cyl 4-Dr Sedan $246 $548 $344 $20 $104 $1,262 $105
Get Your Own Custom Quote Go

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in your specific Honolulu location which can revise coverage rates considerably.

How high should deductibles be?

One of the most common auto insurance questions is at what level do you set your deductibles. The following tables highlight the differences in premium rates between low and high insurance deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.


Mazda 6 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $204 $344 $264 $16 $80 $933 $78
6 I SV 4-Dr Sedan $204 $344 $264 $16 $80 $933 $78
6 I Touring 4-Dr Sedan $204 $344 $264 $16 $80 $933 $78
6 I Touring Plus 4-Dr Sedan $230 $344 $264 $16 $80 $959 $80
6 I Touring Plus 4-Dr Sedan $230 $344 $264 $16 $80 $959 $80
6 I Grand Touring 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
6 S Touring Plus 6 Cyl 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
6 S Touring Plus 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
6 S Grand Touring 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
6 S Grand Touring 6 Cyl 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
Get Your Own Custom Quote Go

Mazda 6 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $166 $278 $264 $16 $80 $804 $67
6 I SV 4-Dr Sedan $166 $278 $264 $16 $80 $804 $67
6 I Touring 4-Dr Sedan $166 $278 $264 $16 $80 $804 $67
6 I Touring Plus 4-Dr Sedan $188 $278 $264 $16 $80 $826 $69
6 I Touring Plus 4-Dr Sedan $188 $278 $264 $16 $80 $826 $69
6 I Grand Touring 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
6 S Touring Plus 6 Cyl 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
6 S Touring Plus 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
6 S Grand Touring 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
6 S Grand Touring 6 Cyl 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
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 multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rate information does not factor in Honolulu location which can decrease or increase insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $12 more each month or $144 a year averaged for all 6 models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 21 months between claim filings, you would probably save some money if you elect the higher deductible.

How violations and accidents impact rates

The information below highlights how traffic violations and accidents can increase Mazda 6 auto insurance rates for each age group. The information is based on a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

Compare rate quotes but still have a local neighborhood Honolulu car insurance agent

Many drivers would rather buy from a licensed agent and that is just fine! Most agents can help you choose the best coverages and give you someone to call. One of the benefits of comparing car insurance online is you can get cheap car insurance quotes and still choose a local agent. And buying from local insurance agencies is especially important in Honolulu.

Insurance agents in HonoluluTo help locate an agent, after submitting this form (opens in new window), your information is instantly submitted to participating agents in Honolulu that give free quotes to get your business. There is no reason to leave your house due to the fact that quote results will go immediately to your email address. In the event you want to get a rate quote for a specific company, just jump over to their website and submit a quote form there.

If you need to find a local insurance agency, it’s important to understand the different types of agencies and how they differ in how they quote coverages. Agents in Honolulu are considered either independent or exclusive depending on the company they work for. Both types can do a good job, but it is important to understand the differences because it can factor into which agent you choose.

Independent Insurance Agents

Agents that choose to be independent often have many company appointments so they can write business with multiple insurance companies and potentially find a lower price. If they find a cheaper price, your policy is moved internally without you having to go to a different agency. When comparing car insurance rates, you definitely need to get some free quotes from several independent agencies to have the best price comparison.

Below are independent agencies in Honolulu who may provide free car insurance quotes.


1350 S King St #303Honolulu, HI 96814(808) 591-5545View Map


1088 Bishop St #2210Honolulu, HI 96813(808) 841-5915View Map


1440 Kapiolani Blvd # 950Honolulu, HI 96814(808) 942-5353View Map

View more agents

Exclusive Insurance Agents

Exclusive agencies work for only one company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to provide other company’s prices so they have to upsell other benefits. Exclusive agents are well schooled in insurance sales which helps them sell on service rather than price.

Listed below are exclusive agents in Honolulu willing to provide price quotes.


Six Waterfront Plaza 3rd Floor, 500 Ala Moana BlvdHonolulu, HI 96813(808) 533-2444View Map

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


2038 S King StHonolulu, HI 96826(808) 952-5353View Map

View more agents

Selecting an insurance agent should include more criteria than just a cheap quote. Here are some questions to ask:

Once you have received good answers to your questions and locked in a price quote, most likely you have located a car insurance agent that meets the criteria to properly service your car insurance policy.

Six factors that impact insurance premiums

An important part of buying insurance is that you know some of the things that come into play when calculating your premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you better car insurance rates. Many different elements are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other factors are more transparent like your continuous coverage or your vehicle rating.

The factors shown below are some of the most common factors used by companies to determine your premiums.

Choosing vehicle insurance is an important decision

Despite the potentially high cost of Mazda 6 insurance, insurance is required in Hawaii but also provides important benefits.

The benefits of insuring your car greatly outweigh the cost, specifically if you ever have a liability claim. But the average driver in Hawaii is currently overpaying as much as $830 a year so you should quote rates at least once a year to ensure rates are competitive.

Honolulu auto insurance companies ranked

Selecting the top car insurance provider can be challenging considering how many different insurance companies sell coverage in Honolulu. The rank data shown below may help you select which car insurance companies to look at when comparing rate quotes.

Top 10 Honolulu Car Insurance Companies Overall

  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

Compare but don’t skimp

Cheaper auto insurance in Honolulu can be bought on the web in addition to local insurance agencies, and you need to price shop both to get a complete price analysis. Some companies may not have price quotes online and usually these smaller companies only sell coverage through local independent agencies.

When trying to cut insurance costs, you should never reduce needed coverages to save money. There are a lot of situations where an insured dropped liability coverage limits to discover at claim time that it was a big mistake. The goal is to buy enough coverage at the best possible price.

More tips and info about auto insurance can be read in these articles: