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Best Cheap Insurance for a Chevrolet Equinox in Hawaii

Enter your Hawaii zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 16, 2019

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Your chances of finding cheap insurance for a Chevrolet Equinox in Hawaii is dependent upon a complicated rating formula that uses factors such as miles driven annually, whether or not you have had gaps between policies, and your choice of deductibles. Drivers in Hawaii will pay on average $550 per year to buy insurance for a Chevrolet Equinox, but that is a projection based upon a 50-year-old married female that purchased comprehensive and collision coverage and $1,000 physical damage deductibles.

It’s highly likely that you are not 50 and possibly not even female, single instead of married, and you need different coverage limits than the sample rates. Every car insurance policy is unique to the driver, so the best way to find cheap car insurance rates for your Chevrolet is to comparison shop your policy at each renewal. Quotes only take a couple of minutes and you will be able to compare rates from the best auto insurance companies around.

Enter your zip code below to view companies that have cheap auto insurance rates.

The specific trim level will likely have an effect on the coverage cost, so the price you pay to insure a Equinox LS 2WD will cost $44 less than the cost to insure the high end Equinox LTZ AWD version, as shown in the prices below.

Chevrolet Equinox Insurance Rates in Hawaii
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $98 $180 $248 $14 $74 $614 $51
Equinox LT 2WD $98 $180 $248 $14 $74 $614 $51
Equinox LS AWD $98 $180 $248 $14 $74 $614 $51
Equinox LT AWD $98 $180 $248 $14 $74 $614 $51
Equinox LTZ 2WD $110 $212 $248 $14 $74 $658 $55
Equinox LTZ AWD $110 $212 $248 $14 $74 $658 $55
Equinox LTZ AWD $110 $212 $248 $14 $74 $658 $55
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in vehicle garaging location which can decrease or increase price quotes significantly.

Determining which companies offer the cheapest car insurance rates for a Chevrolet Equinox may require a tad more effort in order to find the lowest price quote.

Each insurer uses a little different formula for determining prices, so we need to take a look at the overall cheapest car insurance companies in Hawaii.

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Cheapest Hawaii car insurance ranked by price
Rank Company Cost Per Year
1 USAA $954
2 State Farm $1,109
3 GEICO $1,376
4 Liberty Mutual $1,449
5 Progressive $1,560
6 Allstate $1,964
7 First of Hawaii $1,987
8 AIG $2,445
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USAA has some of the lowest car insurance rates in Hawaii at around $954 annually. State Farm, GEICO, Liberty Mutual, and Progressive also are some of the cheaper Hawaii insurance companies.

As shown in the table above, if you currently have coverage with Liberty Mutual and switched to State Farm, you may realize a yearly savings of in the vicinity of $340. Drivers with Progressive could save as much as $451 a year, and Allstate insureds might cut rates by $855 a year.

Remember that these prices are averages for all drivers and vehicles and do not take into consideration a specific rating modification for a Chevrolet Equinox. So the company that fits your needs best may not even be included in the rate chart shown above. That is why you need to get quotes using your own personalized driver profile and vehicle information.

Enter your zip code below to view companies that have cheap auto insurance rates.

The chart below shows how choosing a deductible can impact insurance premiums when quoting cheap insurance for a Chevrolet Equinox. The data assumes a married male driver, full physical damage coverage, and no policy discounts are applied.

A 40-year-old driver could reduce rates by $258 a year by changing from a $100 deductible to a $500 deductible, or save $388 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, could save as much as $860 or even more by using a higher deductible.

If you do decide to increase your deductibles, it is necessary to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Discount Hawaii car insurance rates

Discounts on car insurance for a Chevrolet EquinoxCar insurance companies that sell the best cheap insurance for a Chevrolet Equinox in Hawaii may also offer rate discounts that could lower prices by 30% or more if you are eligible to receive them. The best car insurance companies and the discounts they provide are included below.

Auto Insurance Discounts for Popular Insurance Companies
Discount State Farm Progressive Geico Allstate Liberty Mutual Nationwide Farmers
Multiple policies Yes Yes Yes Yes Yes Yes Yes
Multiple vehicles Yes Yes Yes No Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes Yes Yes
Safe vehicle Yes No Yes Yes Yes No No
Air bags Yes No Yes Yes Yes Yes Yes
New car Yes No No Yes No Yes Yes
No accidents Yes Yes Yes Yes No Yes Yes
Defensive driving course Yes Yes Yes Yes No Yes Yes
Low miles Yes Yes No Yes Yes Yes No
Armed forces Yes Yes Yes No No No Yes
Employment No No Yes No Yes Yes Yes
Pay in full No Yes Yes Yes Yes Yes Yes
Auto-pay No Yes Yes Yes Yes Yes Yes
Customer loyalty Yes Yes No No No Yes Yes
Good student Yes Yes Yes Yes Yes Yes Yes
Student away from home Yes Yes No Yes Yes Yes Yes
Homeowner No Yes No No No No Yes
Use seat belts No No Yes No No No No
Get quote online No Yes No No No No No
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The chart below compares insurance rates with and without discounts being applied to the rates. The data is based on a male driver, no claims, a clean driving record, Hawaii state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multiple policy, vehicle safety, safe-driver, accident-free, defensive driving course, and marriage discounts applied. When discounts are factored in, the amount saved on car insurance for a Chevrolet Equinox is % or $.

Is the best company Geico, Allstate, State Farm, or Progressive?

If you want reliable insurance for an Equinox in Hawaii, probably the best companies to start with are Geico, Allstate, State Farm, and Progressive. All offer your standard physical damage and liability coverages, but each one has unique options and discounts that buyers can select from. The following table points out pricing and service ratings, as well as optional policy coverages that are available for buyers.

Car Insurance Company Comparison
Geico Allstate State Farm Progressive
Customer Satisfaction 1st 2nd 4th 3rd
Price Rank 1st 4th 2nd 3rd
Discounts Offered 2nd 1st 3rd 4th
Claims Rank 3rd 1st 2nd 4th
Usage-based rating No Yes Yes Yes
New car replacement coverage No Yes No No
Roadside service Yes Yes Yes Yes
Mechanical breakdown insurance Yes No No Yes
Accident forgiveness coverage Yes Yes No Yes
Rideshare insurance Yes Yes Yes Yes
Available in Hawaii Yes Yes Yes Yes
Types of agents used From a Geico agent or online Allstate exclusive agents Only from State Farm agents Buy online or from an independent agent
Number of agents 150+ 11,000+ 18,000+ 30,000+
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