Subaru Forester Insurance Rate Quotes in Honolulu

It goes without saying that insurance companies don’t want you to look at other companies. Drivers who do rate comparisons are likely to switch insurance companies because there are good odds of finding coverage at a cheaper rate. A study showed that people who made a habit of comparing rates saved approximately $865 annually compared to people who never shopped around for lower prices.

If finding the lowest price on Subaru Forester insurance in Honolulu is the reason for your visit, then having a grasp of how to get price quotes and compare coverage rates can help simplify the process.

Insurance quote for Subaru Forester in HonoluluIf saving the most money is your goal, then the best way to quote cheaper Subaru Forester insurance in Honolulu is to compare prices once a year from different companies who can sell car insurance in Hawaii. You can compare rates by completing these steps.

First, learn about how car insurance works and the things you can change to prevent expensive coverage. Many things that increase rates such as speeding and a negative credit score can be eliminated by improving your driving habits or financial responsibility. Continue reading for additional tips to get low prices and find overlooked discounts.

Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or State Farm, while independent agencies can provide rate quotes from multiple companies.

Third, compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find better rates and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, tell your current agent or company of your intention to cancel the current policy and submit a completed application and payment to the new insurer. As soon as you receive it, put the certificate verifying proof of insurance with the vehicle registration.

An essential thing to point out is that you’ll want to compare similar deductibles and liability limits on every quote and and to get quotes from all possible companies. This provides the most accurate price comparison and maximum price selection.

Companies offering Subaru Forester insurance in Hawaii

The car insurance companies shown below have been selected to offer price comparisons in Hawaii. If the list has multiple companies, we recommend you visit several of them to find the cheapest car insurance rates.

Analysis of coverages

The rate table shown below highlights detailed analysis of insurance policy prices for Subaru Forester models. Having knowledge of how insurance prices are established can help you make decisions on the best policy coverages.


Subaru Forester Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $198 $356 $254 $16 $76 $900 $75
Forester X Premium AWD $198 $356 $254 $16 $76 $900 $75
Forester X Premium AWP AWD $198 $356 $254 $16 $76 $900 $75
Forester X Limited Edition AWD $222 $356 $254 $16 $76 $924 $77
Forester X Limited Edition W/Navigation AWD $222 $418 $254 $16 $76 $986 $82
Forester XT AWD $222 $418 $254 $16 $76 $986 $82
Forester XT Limited Edition AWD $222 $418 $254 $16 $76 $986 $82
Forester XT Limited Edition W/Navigation AWD $222 $418 $254 $16 $76 $986 $82
Get Your Own Custom Quote Go

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in specific location information which can lower or raise price quotes greatly.

Analysis of deductible levels

The hardest decision when buying coverage is where to set your physical damage deductibles. The tables below show how much more you’ll pay when you select higher and lower insurance deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.


Subaru Forester insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $258 $412 $226 $14 $68 $1,003 $84
Forester X Premium AWD $258 $412 $226 $14 $68 $1,003 $84
Forester X Premium AWP AWD $258 $412 $226 $14 $68 $1,003 $84
Forester X Limited Edition AWD $286 $412 $226 $14 $68 $1,031 $86
Forester X Limited Edition W/Navigation AWD $286 $484 $226 $14 $68 $1,103 $92
Forester XT AWD $286 $484 $226 $14 $68 $1,103 $92
Forester XT Limited Edition AWD $286 $484 $226 $14 $68 $1,103 $92
Forester XT Limited Edition W/Navigation AWD $286 $484 $226 $14 $68 $1,103 $92
Get Your Own Custom Quote Go

Subaru Forester insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $188 $278 $226 $14 $68 $774 $65
Forester X Premium AWD $188 $278 $226 $14 $68 $774 $65
Forester X Premium AWP AWD $188 $278 $226 $14 $68 $774 $65
Forester X Limited Edition AWD $210 $278 $226 $14 $68 $796 $66
Forester X Limited Edition W/Navigation AWD $210 $328 $226 $14 $68 $846 $71
Forester XT AWD $210 $328 $226 $14 $68 $846 $71
Forester XT Limited Edition AWD $210 $328 $226 $14 $68 $846 $71
Forester XT Limited Edition W/Navigation AWD $210 $328 $226 $14 $68 $846 $71
Get Your Own Custom Quote Go

Premium data assumes 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, homeowner, and multi-policy. Information does not factor in your specific Honolulu location which can influence price quotes substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $20 more each month or $240 annually than requesting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 20 months between claims, you would probably be better off by going with a higher deductible.

The illustration below highlights how deductible choice and can impact Subaru Forester annual premium costs for each age group. The costs are based on a married male driver, full physical damage coverage, and no discounts are factored in.

Subaru Forester full coverage rates compared to liability only

The information below shows the comparison of Subaru Forester auto insurance rates with full physical damage coverage compared to only buying liability only. The rate quotes are based on no violations or claims, $100 deductibles, drivers are single, and no discounts are applied.

Should you pay for full coverage?

There is no specific rule for phasing out physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Subaru Forester replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after the deductible is paid. If you are currently paying more than $500 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where dropping physical damage coverage is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Cheap Honolulu insurance rates with discounts

Not many people think insurance is cheap, but you might be missing out on some discounts that you may not even know about. A few discounts will be applied at quote time, but a few need to be requested specifically before being credited.Cheaper insurance with discounts

Keep in mind that some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

The illustration below illustrates the difference between Subaru Forester insurance prices with and without discounts applied to the premium. The rates are based on a female driver, no tickets, no at-fault accidents, Hawaii state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, safe-driver, claim-free, and homeowner discounts applied.

Large insurance companies and their possible discounts can be found below.

Before you buy a policy, ask each company which credits you are entitled to. Savings might not apply in your state. To see insurers that offer multiple discounts in Hawaii, click this link.

Local Honolulu car insurance agents and insurance

Some people still prefer to sit down with an agent and we recommend doing that Good agents can answer important questions and help in the event of a claim. A good thing about comparing rates online is that you can obtain better rates and also buy local. Buying from local insurance agencies is definitely important in Honolulu.

Honolulu insurance agentsTo make it easy to find an agent, after completing this simple form, your information is sent to insurance agents in Honolulu that can give you free Honolulu car insurance quotes for your coverage. It makes it easy because there is no need to contact any insurance agencies due to the fact that quote results will go directly to you. If you wish to quote rates from a specific insurance provider, you would need to navigate to their website and fill out their quote form.

When narrowing the list to find a reliable insurance agency, it’s helpful to know the types of insurance agents and how they are distinctly different. Insurance agents are either independent or exclusive. Either one can handle insurance, but we need to point out how they differ since it may influence the type of agent you choose.

Independent Agents

Independent agents are normally appointed by many insurers so they can quote policies with many different companies and find the cheapest insurance rates. If you are not satisfied with one company, they simply move your policy to a different company which makes it simple for you. If you are comparing rate quotes, it’s a good idea to get rate quotes from several independent insurance agents to ensure the widest selection of prices.

Featured below is a list of independent insurance agencies in Honolulu that may be able to give you free insurance rate quotes.


1100 Alakea St #2600Honolulu, HI 96813(808) 537-1970View Map


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


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

View more Honolulu agents

Exclusive Agencies

Agents that elect to be exclusive write business for a single company like State Farm, AAA, and Liberty Mutual. Exclusive agents cannot place coverage with different providers so they have to upsell other benefits. Exclusive agencies are usually quite knowledgeable on their products and sales techniques which helps offset the inability to provide other markets.

Below are Honolulu exclusive agencies that can give you comparison quotes.


1580 Makaloa St #102Honolulu, HI 96814(808) 945-0802View Map


1370 N King StHonolulu, HI 96817(808) 845-9026View Map

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

View more Honolulu agents

Finding the right insurance agent requires you to look at more than just a cheap price quote. The following questions are important to ask.

Information about specific coverages

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits (Hawaii limits are 20/40/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 20/40/10 that means you have a $20,000 limit per person for injuries, a limit of $40,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like structural damage, court costs, legal defense fees and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible. Hawaii requires minimum liability limits of 20/40/10 but you should consider buying higher limits.

The next chart shows why buying minimum limits may not be enough coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like theft, damage from getting keyed, rock chips in glass, a broken windshield and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, colliding with a tree, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible on your Forester to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like rehabilitation expenses, nursing services and ambulance fees. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Do the work, save more money

You just read a lot of techniques to shop for Subaru Forester insurance online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding low cost Honolulu car insurance quotes. Drivers may even discover the best price on car insurance is with a small mutual company. These smaller insurers may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm or Progressive.

As you quote Honolulu car insurance, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where someone dropped physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Much more information about car insurance in Hawaii is located at these links: