Did budget coverage turn out to be high-priced Nissan Frontier insurance in Honolulu? Believe me, there are many Honolulu consumers feeling the pinch from expensive auto insurance.

Insurance for Nissan FrontierSadly, a large majority of drivers kept their coverage with the same auto insurance company for more than four years, and almost half have never compared rates to find cheaper insurance. Many drivers in Honolulu could save nearly 40% each year just by comparing rates, but they don't want to take the time to save money by comparing rate quotes.

Many insurers compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible on Nissan Frontier insurance in Honolulu.

Companies offering competitive Nissan Frontier price quotes in Honolulu, HI

The car insurance companies shown below can provide price comparisons in Hawaii. If multiple companies are listed, we suggest you get price quotes from several of them to find the lowest car insurance rates.

Nissan Frontier Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $116 $236 $312 $18 $94 $776 $65
Frontier SE King Cab 2WD $94 $174 $374 $22 $112 $776 $65
Frontier SE Crew Cab 2WD $106 $246 $430 $26 $128 $936 $78
Frontier Pro-4X King Cab 2WD $128 $230 $312 $18 $94 $782 $65
Frontier LE King Cab 2WD $184 $342 $446 $26 $134 $1,132 $94
Frontier SE King Cab 4WD $200 $326 $320 $18 $96 $960 $80
Frontier Pro-4X Crew Cab 2WD $176 $402 $312 $18 $94 $1,002 $84
Frontier LE Crew Cab 2WD $234 $406 $434 $26 $130 $1,230 $103
Frontier SE Crew Cab 4WD $158 $286 $248 $14 $74 $780 $65
Frontier LE King Cab 4WD $198 $338 $300 $18 $90 $944 $79
Frontier Pro-4X King Cab 4WD $198 $338 $300 $18 $90 $944 $79
Frontier Pro-4X Crew Cab 4WD $140 $250 $320 $18 $96 $824 $69
Frontier LE Crew Cab 4WD $200 $350 $254 $16 $76 $896 $75
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Table data does not factor in specific location information which can increase or decrease prices noticeably.

Where to set your deductibles

One of the hardest decisions when shopping for car insurance is where should you set your physical damage deductibles. The figures shown below can help illustrate the premium difference between high and low physical damage coverage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second price table uses a $500 deductible.

Nissan Frontier insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $152 $284 $330 $20 $100 $911 $76
Frontier SE King Cab 2WD $178 $284 $330 $20 $100 $937 $78
Frontier SE Crew Cab 2WD $178 $344 $330 $20 $100 $997 $83
Frontier Pro-4X King Cab 2WD $204 $344 $330 $20 $100 $1,023 $85
Frontier LE King Cab 2WD $204 $344 $330 $20 $100 $1,023 $85
Frontier SE King Cab 4WD $204 $284 $264 $16 $80 $873 $73
Frontier Pro-4X Crew Cab 2WD $204 $406 $330 $20 $100 $1,085 $90
Frontier LE Crew Cab 2WD $204 $406 $330 $20 $100 $1,085 $90
Frontier SE Crew Cab 4WD $204 $344 $264 $16 $80 $933 $78
Frontier LE King Cab 4WD $230 $344 $264 $16 $80 $959 $80
Frontier Pro-4X King Cab 4WD $230 $344 $264 $16 $80 $959 $80
Frontier Pro-4X Crew Cab 4WD $230 $344 $264 $16 $80 $959 $80
Frontier LE Crew Cab 4WD $230 $344 $264 $16 $80 $959 $80
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Nissan Frontier insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $124 $228 $330 $20 $100 $802 $67
Frontier SE King Cab 2WD $144 $228 $330 $20 $100 $822 $69
Frontier SE Crew Cab 2WD $144 $278 $330 $20 $100 $872 $73
Frontier Pro-4X King Cab 2WD $166 $278 $330 $20 $100 $894 $75
Frontier LE King Cab 2WD $166 $278 $330 $20 $100 $894 $75
Frontier SE King Cab 4WD $166 $228 $264 $16 $80 $754 $63
Frontier Pro-4X Crew Cab 2WD $166 $328 $330 $20 $100 $944 $79
Frontier LE Crew Cab 2WD $166 $328 $330 $20 $100 $944 $79
Frontier SE Crew Cab 4WD $166 $278 $264 $16 $80 $804 $67
Frontier LE King Cab 4WD $188 $278 $264 $16 $80 $826 $69
Frontier Pro-4X King Cab 4WD $188 $278 $264 $16 $80 $826 $69
Frontier Pro-4X Crew Cab 4WD $188 $278 $264 $16 $80 $826 $69
Frontier LE Crew Cab 4WD $188 $278 $264 $16 $80 $826 $69
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 multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates considerably.

We can derive from the above data that using a $250 deductible costs about $10 more each month or $120 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 25 months between claim filings, you would save money if you choose a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $81
Average monthly premium for $500 deductibles (subtract): - $71
Monthly savings from raising deductible: $10
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

Cheaper Honolulu insurance quotes with discounts

Car insurance is not cheap, but you may qualify for discounts that may help make it more affordable. Many of these discounts will be applied automatically at the time of quoting, but occasionally some discounts must be requested specifically before they will apply.

While discounts sound great, it's important to understand that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free insurance policy, companies wouldn't make money that way.

If you would like to view insurance companies who offer insurance discounts in Honolulu, follow this link.

Insurance agents can help

When it comes to buying insurance from an agent or online for your personal vehicles, there isn't really a "perfect" insurance plan. Each situation is unique.

For instance, these questions could help you determine whether you might need an agent's assistance.

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Local Honolulu insurance agencies

A lot of people would rather talk to a local agent and there is nothing wrong with that. A nice benefit of comparing car insurance online is that you can find lower rates and also buy local.

Once you complete this quick form, the quote information gets sent to agents in your area who will gladly provide quotes for your insurance coverage. You don't have to visit any agencies as quotes are delivered to the email address you provide. Get lower rates and work with a local agent. In the event you want to quote rates for a specific company, just navigate to their website to submit a rate quote request.

Finding the right insurer should depend on more than just a cheap quote. The following questions are important to ask.

Not all car insurance agents are the same

If you would like to find local Honolulu agents, there are a couple of different agency structures that you can choose from. Agents in Honolulu can be described as either independent (non-exclusive) or exclusive.

Exclusive Agencies

Exclusive agents work for only one company and some examples include Allstate and State Farm. These agents are unable to compare other company's rates so they have no alternatives for high prices. Exclusive agencies are highly trained in insurance sales which helps overcome the inability to quote other rates.

The following are Honolulu exclusive insurance agents willing to provide comparison quotes.


Six Waterfront Plaza 3rd Floor, 500 Ala Moana Blvd - Honolulu, HI 96813 - (808) 533-2444 - View Map


7192 Kalanianaole Hwy g210 - Honolulu, HI 96825 - (808) 395-3434 - View Map


1575 S Beretania St Ste 203 - Honolulu, HI 96826 - (808) 944-3450 - View Map

View more Honolulu agents

Independent Agents

Agents of this type are not employed by any specific company and that enables them to quote your coverage through many different car insurance companies and find you cheaper rates. If you are not satisfied with one company, your policy is moved internally and you don't have to switch agencies.

If you are trying to find cheaper rates, we recommend you get some free quotes from a couple of independent agencies in order to compare the most rates.

Listed below is a short list of independent insurance agents in Honolulu that can give you price quotes.


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


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


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

View more Honolulu agents

Car insurance advertisements

State Farm, GEICO and Progressive seem to constantly run ads on TV and radio. All the companies say the same thing that drivers will save a bundle if you just switch your car insurance policy to them. How does each company charge less that you're paying now? This is the way they can do it.

Insurance companies are able to cherry pick for the right customer that makes them money. For instance, a desirable insured might be described as a married female, has no prior claims, and does not commute to work. Any driver that fits those parameters receive the lowest rate quotes in Honolulu and as a result will probably cut their Nissan Frontier insurance rates if they switch.

Drivers who don't meet those standards must pay higher premium rates and this results in the customer buying from someone else. The trick is to say "drivers that switch" not "all people who quote" save money. That's why insurance companies can advertise the savings. Different companies use different criteria so you need to compare price quotes frequently. It's impossible to know the company that will give you lower premium rates than your current company.

Compare. Compare. Compare.

Discount Nissan Frontier insurance in Honolulu can be bought online in addition to local insurance agencies, so get free Honolulu car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies may not provide online quoting and most of the time these smaller providers sell through independent insurance agents.

As you prepare to switch companies, it's very important that you do not skimp on coverage in order to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to regret that it was a big mistake. Your aim should be to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

Consumers switch companies for many reasons like being labeled a high risk driver, denial of a claim, delays in paying claims or even extreme rates for teen drivers. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

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