Car Insurance Quotes for a Mini Cooper in Honolulu

If you want to find the absolute lowest rates, then the best way to get affordable Mini Cooper insurance in Honolulu is to start comparing rates regularly from providers that sell auto insurance in Hawaii. Price quotes can be compared by following these guidelines.

  1. Try to comprehend how companies set rates and the factors you can control to prevent expensive coverage. Many rating criteria that cause rate increases such as traffic violations, accidents, and a bad credit score can be rectified by making minor changes in your lifestyle.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can provide price quotes from many different companies. Begin your rate comparison
  3. Compare the new rate quotes to the premium of your current policy to determine if you can save on Cooper insurance in Honolulu. If you find a lower rate and decide to switch, verify that coverage does not lapse between policies.
  4. Provide notification to your current agent or company to cancel your current coverage. Submit a signed application and payment for the new coverage. Once the paperwork is finalized, keep your new certificate verifying coverage in your vehicle.

A key point to remember is to try to compare identical deductibles and limits on each quote request and and to get quotes from as many companies as possible. Doing this ensures a fair price comparison and a thorough selection of prices.

Insurance quote for Mini Cooper in HonoluluIt’s shocking but the vast majority of auto insurance customers in Hawaii have remained with the same auto insurance company for at least the last four years, and about 40% of consumers have never even compared quotes to find affordable rates. American consumers can cut their rates by almost 46.5% a year by just comparing rate quotes, but they won’t spend time to do a rate comparison.

If you’re already insured, you will most likely be able to save money using these tips. Buying the cheapest insurance in Honolulu is not that difficult as long as you know where to start. Although Hawaii consumers do need to learn how insurance companies market on the web because it varies considerably.

To find cheaper rates, there are a couple of ways to obtain and compare prices from many insurance companies in Hawaii. The simplest method to do a complete rate comparison consists of obtaining rate quotes online.

Doing online quotes comparisons is so easy that it replaces the need to call or drive to local Honolulu insurance agencies. Comparing online rate quotes makes this unnecessary unless you prefer the trained guidance only provided by licensed Honolulu agents. Some companies do allow you to obtain prices from the web but buy the policy through an agent.

When comparison shopping, getting more free quotes gives you a better chance of getting better pricing. Not every company allows you to get Honolulu Cooper insurance quotes over the internet, so you should also compare price estimates on coverage from those companies, too.

The companies shown below are our best choices to provide free quotes in Hawaii. If several companies are displayed, we recommend you visit as many as you can to find the most competitive auto insurance rates.

Insurance is not optional but you don’t have to overpay

Despite the high insurance cost for a Mini Cooper in Honolulu, buying insurance serves several important purposes.

The benefits of having insurance outweigh the cost, especially if you ever need it. But the average American driver is wasting up to $830 a year so you should quote rates at every renewal to be sure current rates are still competitive.

Rates and other information

The price information shown next outlines different prices for Mini Cooper models. Having knowledge of how car insurance prices are calculated can benefit drivers when making informed decisions when comparing rates.


Mini Cooper Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $252 $506 $304 $18 $90 $1,170 $98
Cooper 2-Dr Convertible $252 $506 $236 $14 $70 $1,078 $90
Cooper S 2-Dr Hatchback $252 $596 $304 $18 $90 $1,260 $105
Cooper S 2-Dr Convertible $286 $596 $236 $14 $70 $1,202 $100
Cooper John Cooper Works 2-Dr Hatchback $286 $596 $304 $18 $90 $1,294 $108
Cooper John Cooper Works 2-Dr Convertible $318 $686 $236 $14 $70 $1,324 $110
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in zip code location which can change premiums greatly.

Comparison of policy deductibles

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The rates below show the costs and benefits between high and low physical damage deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.


Mini Cooper insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $228 $412 $226 $14 $68 $973 $81
Cooper 2-Dr Convertible $228 $412 $174 $10 $52 $901 $75
Cooper S 2-Dr Hatchback $228 $484 $226 $14 $68 $1,045 $87
Cooper S 2-Dr Convertible $258 $484 $174 $10 $52 $1,003 $84
Cooper John Cooper Works 2-Dr Hatchback $258 $484 $226 $14 $68 $1,075 $90
Cooper John Cooper Works 2-Dr Convertible $286 $558 $174 $10 $52 $1,105 $92
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Mini Cooper insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cooper 2-Dr Hatchback $166 $278 $226 $14 $68 $752 $63
Cooper 2-Dr Convertible $166 $278 $174 $10 $52 $680 $57
Cooper S 2-Dr Hatchback $166 $328 $226 $14 $68 $802 $67
Cooper S 2-Dr Convertible $188 $328 $174 $10 $52 $752 $63
Cooper John Cooper Works 2-Dr Hatchback $188 $328 $226 $14 $68 $824 $69
Cooper John Cooper Works 2-Dr Convertible $210 $378 $174 $10 $52 $824 $69
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 claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific location information which can modify prices noticeably.

Based on the figures above, using a $100 deductible will cost in the ballpark of $20 more each month or $240 each year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 20 months between claims, you would come out ahead by selecting a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $85
Average monthly premium for $500 deductibles (subtract): – $65
Monthly savings from raising deductible: $20
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

An important thing to remember is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket if you have a claim. You need some savings in the bank in the event you have to pay more for the deductible.

Discounts for cheaper insurance quotes

Companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so below is a list some of the best known and the more hidden savings tricks you should be using when you buy Honolulu car insurance online.Insurance discounts

A quick disclaimer, many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky.

The diagram below shows the difference between Mini Cooper annual premium costs with and without discounts applied to the policy premium. Data assumes a female driver, no accidents, no 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 multi-car, homeowner, multi-policy, safe-driver, claim-free, and marriage discounts applied.

To see companies who offer discounts in Honolulu, follow this link.