Insurance quote for Toyota Sienna in HonoluluAre you burned out from not being able to afford to pay your insurance bill each month? You are in the same boat as most other drivers in Hawaii.

Inconceivable but true, a large majority of drivers have bought insurance from the same company for well over three years, and nearly 40% of drivers have never compared rates from other carriers. Drivers in Hawaii could save almost $356 each year just by comparing rates, but they just don't understand the large savings they would see if they moved their coverage to a different company. Due to the abundance of insurance providers from which to choose, it's difficult to find the best insurance company.

You should take the time to compare rates periodically because insurance prices tend to go up over time. Even if you got the lowest price on Toyota Sienna insurance in Honolulu last year a different company probably has better rate quotes today. Forget all the misinformation about insurance because I'm going to teach you one of the easiest ways to save on insurance.

Finding affordable coverage in Honolulu is not that difficult. If you are already insured or just want to save money, use these money-saving tips to get lower rates while maximizing coverage. Consumers just need to use the quickest way to compare prices online.

Affordable auto insurance in Honolulu, HI

The providers in the list below are ready to provide price quotes in Honolulu, HI. If multiple companies are shown, we suggest you get rates from several of them to find the lowest auto insurance rates.

Toyota Sienna Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $172 $390 $344 $20 $104 $1,030 $86
Sienna LE $160 $292 $254 $16 $76 $798 $67
Sienna LE AWD $108 $212 $300 $18 $90 $728 $61
Sienna XLE $200 $396 $320 $18 $96 $1,030 $86
Sienna XLE AWD $126 $256 $264 $16 $80 $742 $62
Sienna Limited $122 $250 $300 $18 $90 $780 $65
Sienna Limited AWD $258 $484 $264 $16 $80 $1,102 $92
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific location which can revise auto insurance rates greatly.

Policy deductible comparison

The chart below illustrates how choosing a deductible and can impact Toyota Sienna insurance rates for different age groups of insureds. The information is based on a married male driver, full coverage, and no discounts are taken into consideration.

Age-based car insurance rates by gender

The diagram below shows the difference between Toyota Sienna yearly insurance costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.

Policy deductible comparison

A question often asked by Honolulu drivers is at what level do you set your deductibles. The following insurance rates show the differences in price when you choose different coverage deductibles. The first table uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Toyota Sienna insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $198 $412 $264 $16 $80 $995 $83
Sienna LE $228 $412 $264 $16 $80 $1,025 $85
Sienna LE AWD $228 $412 $264 $16 $80 $1,025 $85
Sienna XLE $228 $412 $264 $16 $80 $1,025 $85
Sienna XLE AWD $228 $484 $264 $16 $80 $1,097 $91
Sienna Limited $258 $484 $264 $16 $80 $1,127 $94
Sienna Limited AWD $258 $484 $264 $16 $80 $1,127 $94
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Toyota Sienna insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sienna CE $110 $216 $264 $16 $80 $686 $57
Sienna LE $126 $216 $264 $16 $80 $702 $59
Sienna LE AWD $126 $216 $264 $16 $80 $702 $59
Sienna XLE $126 $216 $264 $16 $80 $702 $59
Sienna XLE AWD $126 $256 $264 $16 $80 $742 $62
Sienna Limited $142 $256 $264 $16 $80 $758 $63
Sienna Limited AWD $142 $256 $264 $16 $80 $758 $63
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in specific location which can alter auto insurance rates substantially.

We can derive from the above data that using a $100 deductible costs roughly $28 more each month or $336 a year than requesting the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 32 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Verify you're receiving every discount

Some insurers don't always advertise all available discounts in a way that's easy to find, so we took the time to find both well-publicized and the more hidden auto insurance savings.

As a disclaimer on discounts, some credits don't apply to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, that's just not realistic.

Insurance companies who might offer most of the discounts above are:

When comparing rates, check with each company or agent how you can save money. A few discounts might not apply in Honolulu. To find auto insurance companies that offer multiple discounts in Hawaii, follow this link.

Auto insurance agents can help

Some consumers just prefer to sit down with an agent and doing that can be a smart decision Professional agents can help you build your policy and help file insurance claims. One of the best bonuses of comparing rates online is you may find cheaper rates and still have a local agent.

Insurance agency in HonoluluOnce you complete this short form, your coverage information is submitted to companies in Honolulu who will gladly provide quotes to get your business. You won't even need to search for an agent as quotes are delivered to you directly. In the event you want to get a rate quote from a particular provider, you can always navigate to their website to submit a rate quote request.

Choosing a company should depend on more than just a low price. These are some questions your agent should answer.

Two types of auto insurance agents

If you prefer to buy auto insurance from a good insurance agency, there are a couple of different types of agents and how they differ in how they can insure your vehicles. Auto insurance agents are classified as either independent or exclusive. Both types of agents can properly insure your vehicles, but it's important to point out the difference in how they write coverage since it may influence the type of agent you choose.

Exclusive Auto Insurance Agencies

Agents in the exclusive channel can usually just insure with one company like Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to shop your coverage around so you might not find the best rates. Exclusive agencies receive extensive training on their company's products which helps them sell on service rather than price.

Listed below are exclusive agents in Honolulu that are able to give comparison quotes.


1016 Kapahulu Ave #250 - Honolulu, HI 96816 - (808) 734-3265 - View Map


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


600 Kapiolani Blvd #210 - Honolulu, HI 96813 - (808) 599-7666 - View Map

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Independent Auto Insurance Agents

Independent agencies often have affiliation with several companies so they can quote policies through lots of different companies and help determine which has the cheapest rates. To transfer your coverage to a different company, your agent can just switch to a different company and you don't have to do anything.

When shopping rates, you will definitely want to include at least one independent agent in order to have the best price comparison.

The following are Honolulu independent agents willing to provide price quotes.


1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818 - Honolulu, HI 96818 - (808) 527-7777 - View Map


1132 Bishop St #1600 - Honolulu, HI 96813 - (808) 533-8728 - View Map


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

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If you receive acceptable answers and a low price estimate, you've probably found a car insurance agent that meets the criteria to service your policy. Just remember once you purchase a policy you can cancel a policy at any point so don't feel that you are permanently stuck with a policy for the entire policy term.

Car insurance buyers beware

Hawaii consumers can't ignore all the ads for cheaper car insurance by companies like 21st Century, Allstate and State Farm. All the ads have a common claim that people will save if you switch your car insurance coverage to their company.

How do they all charge you a lower premium? Here is the trick they use.

Insurance providers quote their best rates for the type of customer that will not have excessive claims. A good example of a desirable insured could be over the age of 35, has no claims, and drives a car with an anti-theft system. Any person that fits those parameters is entitled to the best price and will probably save some money.

People who do not fit those standards will have to pay higher prices which usually ends up with the customer buying from a different company. The trick companies use is to say "customers that switch" not "everyone who quotes" save that much. That's why insurance companies can state the savings. This really illustrates why you should compare free Honolulu car insurance quotes often. It's just not possible to know which company will have the best Toyota Sienna insurance in Honolulu.

Keep this in mind when shopping around

As you go through the steps to switch your coverage, it's very important that you do not skimp on critical coverages to save a buck or two. In many cases, someone sacrificed liability limits or collision coverage only to discover later that they should have had better coverage. Your goal is to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

You just learned a lot of ways to lower your Toyota Sienna insurance premium rates in Honolulu. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the best premium rates are with a small mutual company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

Additional insurance information is located on the following sites: