Best Honda Civic Insurance in Honolulu

It goes without saying that auto insurance companies don’t want you to look for a cheaper policy. People who shop around for cheaper prices are likely to buy a new policy because there are good odds of finding better rates. Remarkably, a study showed that drivers who routinely shopped around saved about $865 annually compared to those who don’t make a habit of comparing rates.

If saving the most money on car insurance in Honolulu is the reason you’re here, then having some insight into how to shop for insurance premiums can make it easier to find better rates.

Insurance quote for Honda Civic in HonoluluIf your goal is the lowest price, then the best way to find low-cost Honda Civic insurance in Honolulu is to start comparing prices yearly from insurance carriers who can sell car insurance in Hawaii. Price quotes can be compared by following these guidelines.

The most important part of shopping around is to try to use the same liability limits and deductibles on every quote and and to get prices from as many companies as possible. This ensures a fair rate comparison and plenty of rates choose from.

If you have a current insurance policy or are just looking to switch companies, you can use this information to buy cheaper insurance and still get good coverage. Buying affordable insurance in Honolulu can be easy if you know a few tricks. Consumers just need to use the fastest way to compare rate quotes from many companies at once.

How to get Honolulu Honda Civic insurance price quotes

Finding a better price on auto insurance can be relatively painless. You just have to spend a little time comparing price quotes from different insurance companies.

Doing online rates comparisons is so easy that it makes it obsolete to spend your day driving to insurance agencies in your area. Quoting Honda Civic insurance online eliminates this option unless you have a need for the extra assistance that only a licensed agent can provide. Although you can obtain prices from the web but buy the policy through an agent.

The companies shown below have been selected to offer free quotes in Hawaii. If more than one company is shown, it’s highly recommended you get price quotes from several of them to get the best price comparison.

Buying the right vehicle insurance in Hawaii is an important decision

Despite the potentially high cost of Honda Civic insurance, insuring your vehicle serves an important purpose.

First, just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability coverage in order to drive the car. 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.

Second, if your Honda Civic has a lienholder, almost all lenders will have a requirement that you carry insurance to guarantee payment of the loan. If you default on your policy, the lender may have to buy a policy to insure your Honda for a much higher rate and require you to fork over for the expensive policy.

Third, insurance safeguards both your Honda and your personal assets. Insurance will pay for medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of having insurance are without a doubt worth the cost, particularly for liability claims. The average driver in America is wasting up to $850 per year so we recommend shopping around every year to be sure current rates are still competitive.

Insurance coverage analysis

The data table displayed next outlines different policy rates for Honda Civic models. Having a good grasp of how prices are figured is important to be able to make informed purchases.

Honda Civic Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $138 $292 $254 $16 $76 $776 $65
Civic VP 4-Dr Sedan $138 $346 $254 $16 $76 $830 $69
Civic LX 4-Dr Sedan $138 $346 $254 $16 $76 $830 $69
Civic DX 2-Dr Coupe $138 $346 $318 $18 $96 $916 $76
Civic EX 4-Dr Sedan $138 $346 $254 $16 $76 $830 $69
Civic LX-S 4-Dr Sedan $138 $346 $254 $16 $76 $830 $69
Civic LX 2-Dr Coupe $138 $398 $318 $18 $96 $968 $81
Civic EX-L 4-Dr Sedan $160 $398 $254 $16 $76 $904 $75
Civic SI 4-Dr Sedan $160 $398 $254 $16 $76 $904 $75
Civic EX 2-Dr Coupe $160 $398 $318 $18 $96 $990 $83
Civic GX 4-Dr Sedan $160 $398 $254 $16 $76 $904 $75
Civic EX-L 2-Dr Coupe $160 $398 $318 $18 $96 $990 $83
Civic Hybrid 4-Dr Sedan $180 $346 $254 $16 $76 $872 $73
Civic SI 2-Dr Coupe $180 $450 $318 $18 $96 $1,062 $89
Get Your Own Custom Quote Go

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in specific garaging location which can alter prices significantly.

Physical damage deductibles: Should you raise them?

When shopping for car insurance, a common question is which deductibles should you choose. The comparisons below determine the price difference of buying low and high physical damage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Honda Civic insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $178 $344 $264 $16 $80 $907 $76
Civic VP 4-Dr Sedan $178 $406 $264 $16 $80 $969 $81
Civic LX 4-Dr Sedan $178 $406 $264 $16 $80 $969 $81
Civic DX 2-Dr Coupe $178 $406 $330 $20 $100 $1,059 $88
Civic EX 4-Dr Sedan $178 $406 $264 $16 $80 $969 $81
Civic LX-S 4-Dr Sedan $178 $406 $264 $16 $80 $969 $81
Civic LX 2-Dr Coupe $178 $468 $330 $20 $100 $1,121 $93
Civic EX-L 4-Dr Sedan $204 $468 $264 $16 $80 $1,057 $88
Civic SI 4-Dr Sedan $204 $468 $264 $16 $80 $1,057 $88
Civic EX 2-Dr Coupe $204 $468 $330 $20 $100 $1,147 $96
Civic GX 4-Dr Sedan $204 $468 $264 $16 $80 $1,057 $88
Civic EX-L 2-Dr Coupe $204 $468 $330 $20 $100 $1,147 $96
Civic Hybrid 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
Civic SI 2-Dr Coupe $230 $528 $330 $20 $100 $1,233 $103
Get Your Own Custom Quote Go

Honda Civic insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $144 $278 $264 $16 $80 $782 $65
Civic VP 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Civic LX 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Civic DX 2-Dr Coupe $144 $328 $330 $20 $100 $922 $77
Civic EX 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Civic LX-S 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Civic LX 2-Dr Coupe $144 $378 $330 $20 $100 $972 $81
Civic EX-L 4-Dr Sedan $166 $378 $264 $16 $80 $904 $75
Civic SI 4-Dr Sedan $166 $378 $264 $16 $80 $904 $75
Civic EX 2-Dr Coupe $166 $378 $330 $20 $100 $994 $83
Civic GX 4-Dr Sedan $166 $378 $264 $16 $80 $904 $75
Civic EX-L 2-Dr Coupe $166 $378 $330 $20 $100 $994 $83
Civic Hybrid 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
Civic SI 2-Dr Coupe $188 $426 $330 $20 $100 $1,064 $89
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 safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price information does not factor in vehicle garaging location which can influence price quotes noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $13 more each month or $156 every year averaged for all Civic models than choosing the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have more than 19 months between claim filings, you would probably save some money if you decide on a higher deductible. The table below shows a better example of how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $88
Average monthly premium for $500 deductibles (subtract): – $75
Monthly savings from raising deductible: $13
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

The diagram below demonstrates how choosing different deductibles and can increase or decrease Honda Civic insurance prices for different age groups of insureds. The premiums assume a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Get cheap Honda Civic insurance in Honolulu with discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts to reduce the price significantly. Certain credits will be shown when you get a quote, but some may not be applied and must be specifically requested before you get the savings.Discount auto insurance

Keep in mind that most discount credits are not given to the whole policy. Most cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will positively reduce the amount you have to pay.

The illustration below illustrates the comparison of Honda Civic insurance prices with and without some available policy discounts. The data assumes a female driver, no claims, a clean driving record, Hawaii state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, safe-driver, multi-car, and claim-free discounts applied.

Insurance companies that may include most of the discounts above include:

Before buying, ask every prospective company which discounts can lower your rates. Some of the discounts discussed earlier may not apply everywhere.

Insurance quotes from local Honolulu insurance agencies

Many drivers would prefer to talk to a local agent and that is not a bad decision Professional agents are very good at helping people manage risk and help you file claims. The best thing about price shopping on the web is the fact that drivers can get cheap insurance quotes and still choose a local agent.

Insurance agency in HonoluluAfter completing this simple form, your coverage information is submitted to insurance agents in Honolulu that give free quotes for your insurance coverage. It makes it easy because there is no need to search for an agent since price quotes are sent to you. In the event you want to quote rates from one company in particular, you can always search and find their rate quote page and give them your coverage information.

Selecting a provider is decision based upon more than just a cheap price quote. Here are some questions you might want to ask.

If you prefer to buy insurance from a reputable insurance agent or broker, there are two different types of agents and how they differ in how they can insure your vehicles. Insurance agencies in Honolulu may be either independent agents or exclusive agents depending on their employer. Both sell and service insurance coverage, but it’s a good idea to understand how they differ since it can affect the type of agent you choose.

Exclusive Insurance Agents

Agents of this type have only one company to place business with like AAA, Allstate, and State Farm. They generally cannot provide prices from multiple companies so you need to shop around if the rates are high. They are trained well on what they offer and that can be a competitive advantage.

Listed below are Honolulu exclusive agencies who can help you get comparison quotes.

1806 S King St Ste 32Honolulu, HI 96826(808) 941-2886View Map

1284 Kalani St d108Honolulu, HI 96817(808) 845-0069View Map

841 Bishop St #203Honolulu, HI 96813(808) 531-9918View Map

More insurance agents

Independent Agencies or Brokers

Independent agencies are appointed with more than one company so they have the ability to put coverage through many companies and find you the best rates. If they quote lower rates, they simply move the coverage in-house and you don’t have to switch agencies.

If you need cheaper insurance rates, it’s a good idea to get some free quotes from several independent agencies in order to have the best price comparison.

Listed below are independent insurance agents in Honolulu that are able to give rate quotes.

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818Honolulu, HI 96818(808) 527-7777View Map

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

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

More insurance agents

After receiving reasonable responses to these questions and inexpensive Honda Civic insurance in Honolulu quotes, you have narrowed it down to an auto insurance agent that meets your needs to insure your vehicles. Just understand that you have the power to cancel your coverage for any reason so never feel you’re contractually obligated to the insurance policy for a certain time period.

Honolulu car insurance companies

Choosing the right insurance provider can be challenging considering how many different companies sell coverage in Honolulu. The company rank data shown below can help you select which insurers you want to consider purchasing a policy from.

Top 10 Honolulu Car Insurance Companies by A.M. Best Rank

  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

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

Car insurance 101

Understanding the coverages of your insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Liability car insurance

Liability coverage will cover damage or injury you incur to other people or property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 20/40/10 which means $20,000 bodily injury coverage, a per accident bodily injury limit of $40,000, and property damage coverage for $10,000.

Liability coverage pays for things such as legal defense fees, medical expenses and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford. Hawaii requires minimum liability limits of 20/40/10 but drivers should carry higher limits.

The chart below demonstrates why buying the state minimum limits may not be enough.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, hitting a parking meter, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible on your Civic in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage pays for 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 pays for claims such as falling objects, damage from a tornado or hurricane, damage from getting keyed, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Honda Civic.

Due to the fact that many Hawaii drivers carry very low liability coverage limits (Hawaii limits are 20/40/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses such as X-ray expenses, ambulance fees, surgery, nursing services and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Smart shoppers get results

Throughout this article, we presented many ideas to get a better price on Honda Civic insurance in Honolulu. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best price on insurance is with an unexpected company. Some small companies may have significantly lower car insurance rates on certain market segments compared to the large companies like GEICO and State Farm.

As you quote Honolulu car insurance, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where someone sacrificed full coverage only to regret they didn’t have enough coverage. Your aim should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

Much more information about insurance in Hawaii can be found at these links: