Toyota Yaris Insurance Quotes in Honolulu

Insurance for Toyota YarisIf you want to find the absolute lowest rates, then the best way to find affordable car insurance rates is to regularly compare quotes from providers in Honolulu. Drivers can shop around by following these steps.

An essential thing to point out is to compare identical coverage information on each quote request and to quote with as many auto insurance providers as possible. This enables the most accurate price comparison and plenty of rates choose from.

We don’t have to tell you that insurance companies want to keep you from comparing prices. People who shop for lower rates are highly likely to buy a new policy because there are good odds of finding a lower rate. A study showed that people who regularly shopped around saved over $70 a month compared to those who never compared other company’s rates.

If finding the cheapest rates on auto insurance in Honolulu is the reason you’re here, then understanding how to find companies and compare insurance rates can make shopping around easier.

If you currently have insurance, you will definitely be able to buy cheaper insurance using the tips covered below. Buying the cheapest insurance in Honolulu is really quite easy. But Hawaii car owners can benefit by having an understanding of how companies sell insurance online because rates are impacted by many factors.

The quickest method we recommend to compare rates for Toyota Yaris insurance in Honolulu is to understand auto insurance companies have advanced systems to compare rate quotes. All you need to do is provide the companies a bit of rating information like if you’re married, whether or not you need a SR-22, coverage limits, and if you have an active license. That information is instantly submitted to insurance carriers in your area and you will receive price estimates very quickly.

To find the cheapest Toyota Yaris insurance rates, click here and complete the quick form.

The companies shown below are our best choices to provide price comparisons in Hawaii. If multiple companies are listed, we recommend you click on several of them to get the best price comparison.

Auto insurance data for a Toyota Yaris

The price information below outlines a range of coverage prices for Toyota Yaris models. Being able to understand how car insurance premiums are calculated can help guide drivers when making informed decisions when comparing rates.

Toyota Yaris Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $86 $184 $288 $16 $86 $660 $55
Yaris 4-Dr Hatchback $86 $184 $254 $16 $76 $616 $51
Yaris 4-Dr Sedan $86 $184 $254 $16 $76 $616 $51
Yaris S 2-Dr Hatchback $98 $184 $288 $16 $86 $672 $56
Yaris S 4-Dr Hatchback $98 $184 $254 $16 $76 $628 $52
Yaris S 4-Dr Sedan $98 $184 $254 $16 $76 $628 $52
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in specific Honolulu garaging location which can modify premiums considerably.

Physical damage deductibles

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The rates below approximate how much more rates are when you select higher and lower coverage deductibles. The first table uses a $100 deductible for physical damage and the second data table uses a $500 deductible.

Toyota Yaris insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $198 $412 $300 $18 $90 $1,043 $87
Yaris 4-Dr Hatchback $198 $412 $264 $16 $80 $995 $83
Yaris 4-Dr Sedan $198 $412 $264 $16 $80 $995 $83
Yaris S 2-Dr Hatchback $228 $412 $300 $18 $90 $1,073 $89
Yaris S 4-Dr Hatchback $228 $412 $264 $16 $80 $1,025 $85
Yaris S 4-Dr Sedan $228 $412 $264 $16 $80 $1,025 $85
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Toyota Yaris insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $144 $278 $300 $18 $90 $830 $69
Yaris 4-Dr Hatchback $144 $278 $264 $16 $80 $782 $65
Yaris 4-Dr Sedan $144 $278 $264 $16 $80 $782 $65
Yaris S 2-Dr Hatchback $166 $278 $300 $18 $90 $852 $71
Yaris S 4-Dr Hatchback $166 $278 $264 $16 $80 $804 $67
Yaris S 4-Dr Sedan $166 $278 $264 $16 $80 $804 $67
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Table 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, multi-policy, and homeowner. Premium amounts do not factor in vehicle location which can change rates noticeably.

Based on these figures, using a $100 deductible would cost the average driver about $18 more each month or $216 every year than requesting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 22 months between claim filings, you would probably save some money going with the higher deductible. The illustration below shows an example of how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $85
Average monthly premium for $500 deductibles (subtract): – $67
Monthly savings from raising deductible: $18
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One big caveat is that increasing deductibles to lower your rates means you will have to pay more of your own money when you file a claim. That will necessitate some extra savings in the event you have to pay the deductible.

The chart below illustrates how choosing a deductible and can change Toyota Yaris insurance costs for each age group. The rate quotes are based on a married male driver, comp and collision included, and no discounts are applied to the premium.

Irresponsible driving raises your rates

The example below shows how traffic citations and at-fault accidents increase Toyota Yaris car insurance costs for different insured age categories. The rates are based on a single female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Comparison of auto insurance rates by age and gender in Honolulu

The diagram below compares Toyota Yaris auto insurance rates for male and female drivers. The premium estimates are based on no accidents or driving violations, full coverage, $1,000 deductibles, single status, and no discounts are applied.

Car insurance discounts help lower rates for Toyota Yaris insurance in Honolulu

Car insurance companies do not advertise all their discounts in a way that’s easy to find, so below is a list a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy Honolulu auto insurance online.Save money with discounts

As is typical with insurance, some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, nobody gets a free ride.

The example below illustrates the difference between Toyota Yaris insurance prices with and without discounts being applied to the rates. The premiums are based on a male driver, no violations or claims, Hawaii state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, claim-free, multi-car, and multi-policy discounts applied.

A few of the larger companies and some of the premium reductions they offer can be found below.

When getting a coverage quote, ask each company to apply every possible discount. Discounts might not be available to policyholders in Honolulu. If you would like to see a list of companies who offer free Toyota Yaris insurance quotes in Hawaii, click this link.

Three reasons to insure your vehicle

Even though it can be expensive, buying auto insurance is required in Hawaii but also provides important benefits.

First, just about all states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability in order to get the vehicle licensed. 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 car has a loan, more than likely the lender will make it a condition of the loan that you have full coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may insure your Toyota at a much higher premium rate and require you to fork over a much higher amount than you were paying before.

Third, auto insurance protects both your Toyota Yaris and your assets. It will also provide coverage for medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your policy will cover the repair costs.

The benefits of carrying enough insurance more than offset the price you pay, particularly when you have a large claim. An average driver in America is overpaying over $750 every year so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.

How to find a good Honolulu car insurance company

Finding the best insurer can be challenging considering how many companies sell insurance in Honolulu. The company rank data in the next section can help you analyze which car insurance providers to look at when looking for cheaper rates.

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

When to get advice from an agent

Some people prefer to sit down and talk to an agent and we recommend doing that One of the great benefits of comparing insurance prices online is that you can find the best rates and still have an agent to talk to.

Insurance agency in HonoluluTo make it easy to find an agent, after completing this quick form, your insurance coverage information gets sent to local insurance agents who want to provide quotes for your coverage. You never need to find an agent on your own because prices are sent immediately to you. You can find better rates and an insurance agent to talk to. If you need to compare prices from one company in particular, feel free to visit that company’s website and submit a quote form there.

Choosing the best insurer requires you to look at more than just a cheap price. The questions below may impact your decision as well.

If you want to buy auto insurance from a reputable agency, it’s helpful to know the types of insurance agents and how they differ in how they quote coverages. Insurance agencies in Honolulu can be described as either independent (non-exclusive) or exclusive.

Exclusive Agents

Exclusive agents can only provide pricing for a single company and some examples include American Family, State Farm, and Allstate. Exclusive agents are unable to provide other company’s prices so keep that in mind. Exclusive agents are very knowledgeable on sales techniques which helps them sell insurance even at higher premiums.

Listed below is a short list of exclusive insurance agencies in Honolulu that are able to give rate quotes.

3615 Harding Ave Ste 303Honolulu, HI 96816(808) 394-5433View Map

1130 N Nimitz Hwy Rm A260Honolulu, HI 96817(808) 664-0970View Map

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

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Independent Agents (or Brokers)

Agents in the independent channel are not employed by any specific company and that gives them the ability to insure amongst many companies and find you the best rates. If you are not satisfied with one company, your agent can just switch to a different company and you don’t have to do anything.

If you need cheaper auto insurance rates, we recommend you include rate quotes from a couple of independent agencies to ensure the widest selection of prices.

Listed below is a list of independent agents in Honolulu willing to provide comparison quotes.

250 Ward Ave #220Honolulu, HI 96814(808) 626-5068View Map

500 Ala Moana Blvd # 2303Honolulu, HI 96813(808) 534-7300View Map

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

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Car insurance coverage options for a Toyota Yaris

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most car insurance policies.

Collision coverage

Collision coverage covers damage to your Yaris resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your Yaris in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many Hawaii drivers only purchase the least amount of liability that is required (20/40/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like chiropractic care, nursing services and surgery. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, fire damage, a tree branch falling on your vehicle, theft and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 20/40/10 which stand for $20,000 bodily injury coverage, a limit of $40,000 in injury protection per accident, and property damage coverage for $10,000.

Liability can pay for claims like pain and suffering, emergency aid and bail bonds. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible. Hawaii requires drivers to carry at least 20/40/10 but drivers should carry better liability coverage.

The next chart demonstrates why buying low liability limits may not be high enough to adequately cover claims.