GMC Canyon Insurance Quotes in Honolulu

The best way we recommend to get affordable car insurance rates is to compare prices at least once a year from companies in Honolulu. Rate comparisons can be done by following these steps.

  1. Read and learn about how insurance companies determine prices and the changes you can make to prevent expensive coverage. Many risk factors that result in higher rates like speeding and poor credit rating can be improved by making lifestyle changes or driving safer.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while agents who are independent can provide price quotes for a wide range of companies.
  3. Compare the new rate quotes to the price on your current policy and determine if cheaper Canyon coverage is available in Honolulu. If you find a better price and buy the policy, ensure coverage does not lapse between policies.

One bit of advice is to make sure you’re comparing similar limits and deductibles on every price quote and and to get quotes from as many companies as feasibly possible. This provides an accurate price comparison and the best price selection.

Discount GMC Canyon insuranceWe don’t have to tell you that insurance companies want to keep you from comparing prices. Consumers who shop around for better prices are likely to move their business because there are good odds of finding more affordable rates. A recent survey found that drivers who routinely compared rates saved on average $72 a month compared to drivers who don’t make a habit of comparing rates.

If saving the most money on GMC Canyon insurance is your ultimate target, then having some insight into how to compare coverage rates can save time and make the process easier.

Companies offering GMC Canyon insurance in Hawaii

The companies shown below have been selected to offer quotes in Honolulu, HI. If multiple companies are listed, we suggest you compare several of them in order to find the most competitive rates.

Insurance coverage details

The rate information below outlines estimates of coverage prices for GMC Canyon models. Having a better idea how insurance prices are figured can aid in making decisions when shopping around.


GMC Canyon Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $106 $174 $270 $16 $80 $646 $54
Canyon SLE Ext Cab 2WD $106 $212 $270 $16 $80 $684 $57
Canyon SLE Ext Cab Z71 2WD $106 $212 $270 $16 $80 $684 $57
Canyon SLE Crew Cab 2WD $106 $212 $270 $16 $80 $684 $57
Canyon SLE Regular Cab 4WD $122 $174 $270 $16 $80 $662 $55
Canyon SLE Crew Cab Z71 2WD $122 $212 $270 $16 $80 $700 $58
Canyon SLT Ext Cab 2WD $122 $212 $270 $16 $80 $700 $58
Canyon SLE Ext Cab 4WD $122 $174 $270 $16 $80 $662 $55
Canyon SLT Crew Cab 2WD $122 $250 $270 $16 $80 $738 $62
Canyon SLE Ext Cab Z71 4WD $122 $212 $270 $16 $80 $700 $58
Canyon SLE Crew Cab 4WD $138 $212 $270 $16 $80 $716 $60
Canyon SLE Crew Cab Z71 4WD $138 $212 $270 $16 $80 $716 $60
Canyon SLT Crew Cab 4WD $138 $212 $270 $16 $80 $716 $60
Canyon SLT Ext Cab 4WD $138 $212 $270 $16 $80 $716 $60
Get Your Own Custom Quote Go

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can alter premium rates significantly.

Policy deductibles

A question often asked by Honolulu drivers is how high should the physical damage coverage deductibles be. The data tables below may aid in understanding the costs and benefits when you choose different deductibles. The first pricing table uses a $250 deductible and the second data table uses a $1,000 deductible.


GMC Canyon insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $178 $284 $264 $16 $80 $847 $71
Canyon SLE Ext Cab 2WD $178 $344 $264 $16 $80 $907 $76
Canyon SLE Ext Cab Z71 2WD $178 $344 $264 $16 $80 $907 $76
Canyon SLE Crew Cab 2WD $178 $344 $264 $16 $80 $907 $76
Canyon SLE Regular Cab 4WD $204 $284 $264 $16 $80 $873 $73
Canyon SLE Crew Cab Z71 2WD $204 $344 $264 $16 $80 $933 $78
Canyon SLT Ext Cab 2WD $204 $344 $264 $16 $80 $933 $78
Canyon SLE Ext Cab 4WD $204 $284 $264 $16 $80 $873 $73
Canyon SLT Crew Cab 2WD $204 $406 $264 $16 $80 $995 $83
Canyon SLE Ext Cab Z71 4WD $204 $344 $264 $16 $80 $933 $78
Canyon SLE Crew Cab 4WD $230 $344 $264 $16 $80 $959 $80
Canyon SLE Crew Cab Z71 4WD $230 $344 $264 $16 $80 $959 $80
Canyon SLT Crew Cab 4WD $230 $344 $264 $16 $80 $959 $80
Canyon SLT Ext Cab 4WD $230 $344 $264 $16 $80 $959 $80
Get Your Own Custom Quote Go

GMC Canyon insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Canyon SLE Regular Cab 2WD $110 $178 $264 $16 $80 $648 $54
Canyon SLE Ext Cab 2WD $110 $216 $264 $16 $80 $686 $57
Canyon SLE Ext Cab Z71 2WD $110 $216 $264 $16 $80 $686 $57
Canyon SLE Crew Cab 2WD $110 $216 $264 $16 $80 $686 $57
Canyon SLE Regular Cab 4WD $126 $178 $264 $16 $80 $664 $55
Canyon SLE Crew Cab Z71 2WD $126 $216 $264 $16 $80 $702 $59
Canyon SLT Ext Cab 2WD $126 $216 $264 $16 $80 $702 $59
Canyon SLE Ext Cab 4WD $126 $178 $264 $16 $80 $664 $55
Canyon SLT Crew Cab 2WD $126 $256 $264 $16 $80 $742 $62
Canyon SLE Ext Cab Z71 4WD $126 $216 $264 $16 $80 $702 $59
Canyon SLE Crew Cab 4WD $142 $216 $264 $16 $80 $718 $60
Canyon SLE Crew Cab Z71 4WD $142 $216 $264 $16 $80 $718 $60
Canyon SLT Crew Cab 4WD $142 $216 $264 $16 $80 $718 $60
Canyon SLT Ext Cab 4WD $142 $216 $264 $16 $80 $718 $60
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium costs do not factor in zip code location which can revise auto insurance rates considerably.

Based on the above data, using a $250 deductible will cost you approximately $19 more each month or $228 annually than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 39 months between claims, you would save more money by going with a higher deductible. The illustration below shows how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $77
Average monthly premium for $1,000 deductibles (subtract): – $58
Monthly savings from raising deductible: $19
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

GMC Canyon insurance rates by age and gender

The diagram below compares GMC Canyon insurance costs for male and female drivers. The information is based on no accidents or driving violations, full physical damage coverage, $500 deductibles, drivers are single, and no policy discounts are applied.

GMC Canyon liability rates compared to full coverage

The chart below compares GMC Canyon annual premium costs with and without full coverage. The premiums are based on no claims or violations, $1,000 deductibles, single status, and no discounts are applied.

When to switch to liability coverage only

There is no set guideline that works best for making the decision to drop full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your GMC Canyon settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $2,000 after the policy deductible has been paid. If premiums are more than $200 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are some conditions where only buying liability is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Seven Things That Influence Your Insurance Prices

Smart consumers have a good feel for the rating factors that aid in calculating your premiums. When consumers understand what controls the rates you pay, this helps enable you to make changes that could help you find big savings. Lots of factors are used when you quote your car insurance policy. Most are fairly basic such as your driving record, although others are not quite as obvious such as your marital status and annual miles driven.

Shown below are a few of the things used by your company to calculate your rate level.

Take policy discounts and save on GMC Canyon insurance in Honolulu

Car insurance is not cheap, but you may qualify for discounts that you may not know about. Some of these discounts will be visible at the time of quoting, but a few must be requested specifically before they will apply. If you do not check that you are getting every discount possible, it’s possible you qualify for a lower rate.Discount insurance

Drivers should understand that most credits do not apply to the whole policy. Most only cut individual premiums such as collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, it’s just not the way it works.

The example below illustrates the comparison of GMC Canyon car insurance rates with and without policy discounts. The premium estimates 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 multi-car, claim-free, multi-policy, safe-driver, homeowner, and marriage discounts applied.

A partial list of companies that may offer quotes with most of these discounts include:

If you want the cheapest GMC Canyon rate quotes, ask every prospective company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policies in Honolulu. If you would like to view insurers with the best discounts in Honolulu, click this link.

Independent and exclusive car insurance agents

Some people prefer to buy from a local agent and that is not a bad decision One of the benefits of getting online price quotes is the fact that drivers can get the lowest rates and also buy local. Buying from local insurance agencies is still important in Honolulu.

To make it easy to find an agent, after completing this form (opens in new window), your coverage information is submitted to agents in your area that can provide free Honolulu car insurance quotes for your coverage. You won’t need to do any legwork because quoted prices will be sent to you. It’s the lowest rates and a licensed agent to work with. If you want to get a price quote from a specific insurance company, you just need to go to their quote page and complete a quote there.

If you want to use a reputable agency, it’s helpful to know the different agency structures and how they can quote your rates. Agents in Honolulu are categorized either exclusive or independent.

Independent Agents

Independent agents are appointed with more than one company and that gives them the ability to insure through many companies and get the cheapest rates. To move your coverage to a new company, an independent agent can move your coverage and you won’t have to switch agencies.

When comparing rates, it’s recommended you include a couple of independent agencies in order to have the best price comparison. Many write coverage with small regional insurance companies that may have much lower rates than larger companies.

Below are independent agencies in Honolulu that can give you price quotes.

View more Honolulu agents

Exclusive Auto Insurance Agencies

These agents can only write with one company like Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot provide prices from multiple companies so you might not find the best rates. Exclusive agencies are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates. Consumers frequently choose to use an exclusive agent primarily because of the brand legacy and the convenience of having a single billing for all their coverages.

The following is a list of exclusive agents in Honolulu who can help you get price quote information.

View more Honolulu agents

Deciding on a insurance agent requires you to look at more than just a cheap quote. Below are some questions you should ask.

Everyone needs different auto insurance coverages

Always remember that when buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.Drive safe and save

Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance savings summarized

Drivers change insurance companies for any number of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, policy non-renewal and policy cancellation. It doesn’t matter why you want to switch finding a new auto insurance company is easier than you think.

The cheapest GMC Canyon insurance in Honolulu is available both online in addition to local insurance agencies, so you need to shop Honolulu car insurance with both to have the best rate selection. Some insurance providers may not have online price quotes and most of the time these smaller providers sell through independent agents.

In this article, we presented many tips how you can get a better price on GMC Canyon insurance in Honolulu. The key thing to remember is the more providers you compare, the better likelihood of getting affordable Honolulu car insurance quotes. Drivers may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

More detailed auto insurance information is available in the articles below: