Are you at wits end from paying out the nose to keep your car insured? You have the same problem as many other Hawaii drivers.

Insurance quote for Subaru Legacy in HonoluluSurprisingly, a recent survey revealed that over 70% of consumers renewed their policy with the same company for at least four years, and nearly 40% of drivers have never compared car insurance rates at all. Drivers in Honolulu can save hundreds of dollars each year just by shopping around, but they just assume it takes a lot of time to shop their coverage around.

Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare auto insurance companies to get the best rate on Subaru Legacy insurance in Honolulu.

If you are already insured, you will be able to reduce the price you pay using the tips covered below. Locating the most cost-effective auto insurance policy in Honolulu is easy if you know what you're doing. But Hawaii vehicle owners benefit from understanding the methods companies use to determine prices.

Low-cost auto insurance in Honolulu, HI

The providers in the list below are our best choices to provide free rate quotes in Honolulu, HI. If several companies are displayed, we suggest you visit as many as you can in order to find the most competitive rates.

Subaru Legacy Insurance Cost Estimates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Legacy 2.5I $232 $280 $304 $18 $90 $924 $77
Legacy 2.5I Premium $286 $424 $304 $18 $90 $1,122 $94
Legacy 2.5I Premium $246 $404 $254 $16 $76 $996 $83
Legacy 3.6R Premium $150 $212 $236 $14 $70 $682 $57
Legacy 3.6R $160 $200 $232 $14 $70 $676 $56
Legacy 2.5I Limited $150 $224 $254 $16 $76 $720 $60
Legacy 2.5GT Premium $172 $294 $272 $16 $82 $836 $70
Legacy 3.6R Limited $272 $458 $292 $18 $88 $1,128 $94
Legacy 2.5 GT Limited $288 $446 $232 $14 $70 $1,050 $88
Legacy 2.5 GT Limited $224 $320 $230 $14 $68 $856 $71
Legacy 2.5 GT Limited $274 $398 $230 $14 $68 $984 $82
Get Your Own Custom Quote Go

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in vehicle garaging location which can raise or lower insurance rates significantly.

How violations and accidents impact rates

The diagram below illustrates how speeding tickets and at-fault accidents impact Subaru Legacy insurance rates for different age groups of insureds. The premiums are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Don't overlook these Subaru Legacy insurance discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at quote time, but occasionally some discounts must be specifically requested prior to receiving the credit.

You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you could get a free insurance policy, you aren't that lucky.

A few of the larger companies and a partial list of their discounts can be read below.

When getting free Honolulu car insurance quotes, it's a good idea to all the companies to give you their best rates. A few discounts may not be available in Honolulu. If you would like to view insurance companies that offer some of these discounts in Honolulu, follow this link.

Shop online but buy locally

Some consumers prefer to visit with an insurance agent and that is a smart decision One of the benefits of getting free rate quotes online is that you can find the lowest rates but still work with a licensed agent.

Find insurance agent in HonoluluTo find an agent, once you fill out this simple form, your insurance data is submitted to agents in your area that give free quotes and help you find cheaper coverage. You don't have to find an agent as quotes are delivered straight to your inbox. You can find the lowest rates and an insurance agent to talk to. If you want to quote rates from a specific insurance provider, you would need to visit that company's website and fill out their quote form.

Picking a company requires you to look at more than just the price. Ask your prospective agent these questions:

When finding a local Honolulu insurance agency, it's helpful to know the different types of agents and how they are slightly different. Insurance agencies in Honolulu may be either independent agents or exclusive agents.

Exclusive Insurance Agents

Agents that elect to be exclusive can only provide pricing for a single company and some examples include American Family, State Farm, and AAA. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents receive extensive training on their company's products which helps them sell on service rather than price.

Below are Honolulu exclusive agencies willing to provide rate quotes.


2841 Kaonawai Pl - Honolulu, HI 96822 - (808) 988-7011 - View Map


3221 Waialae Ave Ste 386 - Honolulu, HI 96816 - (808) 737-3500 - View Map


1215 Hunakai St #203 - Honolulu, HI 96816 - (808) 737-5662 - View Map

More insurance agents

Independent Agents

Agents that elect to be independent do not sell for just one brand and that is an advantage because they can write policies amongst many companies and possibly get better coverage at lower prices. If your premiums go up, they simply switch companies in-house which is easy for the insured.

When shopping rates, we highly recommend that you include price quotes from a few independent agents for maximum quote selection.

The following is a short list of independent agents in Honolulu that are able to give rate quotes.


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


800 Bethel St # 200 - Honolulu, HI 96813 - (808) 538-6938 - View Map


1440 Kapiolani Blvd # 950 - Honolulu, HI 96814 - (808) 942-5353 - View Map

More insurance agents

Lower rates by being persistent

You just learned a lot of information how to save on Subaru Legacy insurance in Honolulu. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest auto insurance rates come from some of the smallest insurance companies. They may only write in your state and offer lower premium rates compared to the large companies like GEICO and State Farm.

While you're price shopping online, it's very important that you do not skimp on coverage in order to save money. There are too many instances where someone sacrificed liability limits or collision coverage only to regret at claim time they didn't have enough coverage. The ultimate goal is to get the best coverage possible at the best price, but don't skip important coverages to save money.

Budget-conscious Subaru Legacy insurance is attainable on the web as well as from independent agents in Honolulu, so you should compare both in order to have the best price selection to choose from. Some companies may not offer the ability to get a quote online and many times these smaller providers provide coverage only through independent agents.

For more information, take a look at the resources below: