How Much are Honolulu Auto Insurance Quotes for a Ford F-150?

Buying the cheapest insurance for a Ford F-150 in Hawaii depends on many rating factors such as annual vehicle mileage, if you are a frequent claim filer, and the level of deductible you choose. Drivers in Hawaii pay approximately $971 per year to insure their F-150, but that amount is calculated using a 30-year-old single female driver with full coverage and $500 deductibles.

There is a good probability you’re not a 30-year-old female, maybe you are married instead of single, or maybe you just want liability only. Each driver’s needs are different, and that demonstrates why the only real way to find the cheapest coverage for your Ford is to do a thorough rate comparison. It only takes a few minutes and you will be able to see rates from top-rated companies that sell coverage in Hawaii.

Find Cheaper Ford F-150 Insurance

The trim level of your Ford tends to have a direct impact on the coverage cost, so the price to insure a F-150 XL Regular Cab 2WD trim level will be $254 lower than the insurance cost for the higher-end F-150 Lariat Crew Cab Platinum 4WD version, as shown in the chart below.

Ford F-150 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $160 $220 $358 $22 $106 $866 $72
F-150 STX Regular Cab 2WD $160 $280 $358 $22 $106 $926 $77
F-150 XL Super Cab 2WD $160 $280 $358 $22 $106 $926 $77
F-150 XLT Regular Cab 2WD $160 $280 $358 $22 $106 $926 $77
F-150 STX Super Cab 2WD $160 $280 $358 $22 $106 $926 $77
F-150 XL Crew Cab 2WD $184 $280 $358 $22 $106 $950 $79
F-150 XLT Super Cab 2WD $184 $280 $358 $22 $106 $950 $79
F-150 STX Regular Cab 4WD $184 $280 $358 $22 $106 $950 $79
F-150 XL Regular Cab 4WD $184 $280 $358 $22 $106 $950 $79
F-150 FX2 Super Cab 2WD $184 $280 $358 $22 $106 $950 $79
F-150 XLT Crew Cab 2WD $184 $280 $358 $22 $106 $950 $79
F-150 XL Super Cab 4WD $184 $280 $358 $22 $106 $950 $79
F-150 XLT Regular Cab 4WD $184 $280 $358 $22 $106 $950 $79
F-150 XL Crew Cab 4WD $208 $280 $358 $22 $106 $974 $81
F-150 STX Super Cab 4WD $208 $280 $358 $22 $106 $974 $81
F-150 XLT Super Cab 4WD $208 $280 $358 $22 $106 $974 $81
F-150 FX2 2WD $208 $342 $358 $22 $106 $1,036 $86
F-150 Lariat Super Cab 2WD $208 $342 $358 $22 $106 $1,036 $86
F-150 Lariat Crew Cab 2WD $208 $342 $358 $22 $106 $1,036 $86
F-150 FX4 Super Cab 4WD $208 $342 $358 $22 $106 $1,036 $86
F-150 XLT Crew Cab 4WD $208 $342 $358 $22 $106 $1,036 $86
F-150 FX4 4WD $208 $342 $358 $22 $106 $1,036 $86
F-150 Lariat Crew Cab 4WD $208 $342 $358 $22 $106 $1,036 $86
F-150 SVT Raptor Super Cab 4WD $208 $342 $358 $22 $106 $1,036 $86
F-150 Lariat Super Cab 4WD $208 $342 $358 $22 $106 $1,036 $86
F-150 Lariat Crew Cab Platinum 2WD $208 $402 $358 $22 $106 $1,096 $91
F-150 Lariat Crew Cab Harley 2WD $208 $402 $358 $22 $106 $1,096 $91
F-150 Lariat King Ranch 2WD $208 $402 $358 $22 $106 $1,096 $91
F-150 Lariat King Ranch 4WD $232 $402 $358 $22 $106 $1,120 $93
F-150 Lariat Crew Cab Harley 4WD $232 $402 $358 $22 $106 $1,120 $93
F-150 Lariat Crew Cab Platinum 4WD $232 $402 $358 $22 $106 $1,120 $93
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate information does not factor in vehicle location which can decrease or increase prices considerably.

Comparing rates for budget insurance is not easy, and figuring out which insurers offer the best car insurance rates for a Ford F-150 may require even more diligence.

Each insurance company uses a different method for determining rates in each state, so let’s rank the most budget-friendly car insurance companies in Honolulu.

Find the Cheapest Auto Insurance for your F-150

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Rankings for the cheapest Hawaii auto insurance companies
Rank Company Cost Per Year
1 USAA $936
2 State Farm $1,109
3 GEICO $1,335
4 Liberty Mutual $1,449
5 Progressive $1,624
6 First of Hawaii $1,928
7 Allstate $1,964
8 AIG $2,469
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USAA quotes some of the lowest car insurance rates in Honolulu at around $936 annually. State Farm, GEICO, Liberty Mutual, and Progressive also qualify as some of the lowest-priced Honolulu, HI insurance companies.

As shown in the table above, if you buy coverage from Liberty Mutual and switched to State Farm, you might realize savings of in the neighborhood of $340. Policyholders with Progressive could save as much as $515 a year, and First of Hawaii customers might lower prices by up to $819 a year.

To get a fast rate comparison, click here or click several companies below for low rates.

Understand that those prices are averages for all drivers and vehicles in Hawaii and do not factor in a specific vehicle garaging location for a Ford F-150. So the car insurance company that can offer the best rates for your situation may not even be in the list above. That point stresses why you need to get quotes using your own driver information and specific vehicle type.

The information below shows how choosing a deductible can influence annual premium costs when getting quotes for cheap insurance for a Ford F-150. The premiums assume a single male driver, full physical damage coverage, and no other discounts are factored in.

The data above shows that a 30-year-old driver could lower their car insurance rates by $350 a year by switching from a $100 deductible to a $500 deductible, or save $530 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old category, could shave $1,024 every year just by using higher deductibles. When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have spare funds to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Rate difference between full and liability-only coverage

Reducing premiums for car insurance is important to most drivers, and one way to lower the cost of insurance for a Ford F-150 is to not pay for full coverage. The chart below shows the comparison of premium costs when comparing full coverage to liability only. The data assumes no accidents, no driving violations, $100 deductibles, single marital status, and no additional discounts are factored in.

On average, full coverage costs an additional $1,841 per year more than insuring for liability only. At some point, about every driver wonders if buying full coverage is worth the money. There is no set rule to exclude full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

How to find the cheapest insurance for a Ford F-150

It is possible to find better rates, and here are a few penny-pinching suggestions that can help Honolulu drivers find lower-cost car insurance.

The last suggestion is extremely valuable, as we pointed out in the prior information. Prices in Honolulu can change considerably based on profitability, so drivers shouldn’t be reluctant to buy a different policy if a more affordable price is available.

Being loyal to a particular company is commendable, but is isn’t recommended if that stubbornness costs you lots of money. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for a Ford F-150.

The professional agents shown below are willing to answer your questions and help you decide which auto insurance policy fits you best, as many consumers aren’t sure which coverage to buy and prefer to get help from a professional when trying to find lower insurance rates for a F-150 pickup. It can be complicated to do it yourself, so a licensed agent can give you peace of mind knowing you have sufficient protection if you have a claim.

To locate a Honolulu car insurance agency close to you, click the button link following the list.

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