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Best Local Car Insurance Agencies in Honolulu

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Adams & Associates logo
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License Verified:

License: 477841

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Adams & Associates

PO Box 26053, Honolulu, HI 96825
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Business Description

Adams & Associates caters to the insurance needs of individuals and businesses in the Honolulu metro and the surrounding areas. Its team of agents offers many types of personal protection plans, including auto insurance, which may be bundled with policies that cover homes. Recreational insurance is also available to protect other vehicles, like motorcycles, watercraft, and ATVs.

License Verified:

License: 477841

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (14)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Carr's Insurance Agency logo
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Carr's Insurance Agency

94-547 Ukee St Ste 300, Waipahu, HI 96797
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Business Description

Carr's Insurance Agency is an independent auto insurance agent located in Waipahu, Hawaii. Since 1990, the agency has been serving the Honolulu, Oahu, Maui, Hawaii, Kauai and Molokai areas and has recently opened a new location in Washington State. Carr's Insurance Agency offers personal insurance services such as auto, boat, trailer, bike, ATV and classic car coverage, as well as life insurance and homeowner policies. It also provides commercial insurance for business owners, commercial property owners and those needing general liability insurance. Carr's Insurance Agency can be reached online 24/7 and is rated highly by customers for its reliable service.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (64)
Facebook
4.1 / 5 (9)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cavanah Associates, Inc. logo
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Cavanah Associates, Inc.

1100 Alakea St Ste 2600, Honolulu, HI 96813
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Business Description

Cavanah Associates Inc. insurance agency in Honolulu, Hawaii, offers personal auto insurance policies as well as auto dealership insurance policies. Founded in 1976, the company has decades of experience with auto insurance and can offer Hawaii residents multiple policy options from a variety of trusted insurance companies. Its agents are able to match drivers with the ideal auto insurance plan that fits their budget, meets the state legal requirements, and caters to the driver's preferences. Cavanah Associates Inc. customers also benefit from a wide variety of personal and commercial insurance options.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
3.4 / 5 (7)
Google
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Crum & Forster’s Hawaii logo
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License Verified:

License: 407641

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Crum & Forster’s Hawaii

737 Bishop Street Mauka Tower, Suite 2500, Honolulu, HI 96813
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  • Multiple Carriers

Business Description

Crum & Forster’s Hawaii is an agency serving Honolulu and its surrounding communities. It offers automobile insurance products under its commercial and personal lines by representing 20 carriers, First Mercury, Monitor Life Insurance, and United States Fire Insurance Company. Its team of independent professionals conducts underwriting of policies, claims assistance, risk engineering, and audit and financial operations. The agency also provides protection plans for homeowners, new and used car dealers, and automobile services and repair businesses.

License Verified:

License: 407641

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
3.9 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
David Chen Insurance and Real Estate Company logo
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License Verified:

License: 429284

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

David Chen Insurance and Real Estate Company

100 N Beretania St Ste 102, Honolulu, HI 96817
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  • Multiple Carriers

Business Description

David Chen Insurance and Real Estate Company provides car insurance policies to individuals in the Honolulu area. It schedules consultation meetings to study clients' risks and needs. It guides car owners in acquiring proper collision and liability coverage and prevents them from being under or overinsured. It also curates plans that match customers' budget boundaries. The business offers protection plans against uninsured and underinsured motorists. Other insurance coverages include homeowners, life, individual health, renters, and workers' compensation.

License Verified:

License: 429284

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Yelp
4.5 / 5 (14)
Google
3.3 / 5 (7)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Derek Sayegusa logo
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License Verified:

License: 414552

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Derek Sayegusa

1575 South Beretania Street, Honolulu, HI 96826
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  • Multiple Carriers
  • Bundling Option

Business Description

Derek Sayegusa is a State Farm insurance agent providing auto insurance plans for clients in Honolulu. Starting in 2015, he has been helping all kinds of drivers, such as safe drivers, high-risk drivers, and those with previous offenses like DUIs, gain insurance coverages. Sayegusa guides them in choosing policies for general and special risks on and off-road. These can include protection against accidents, collisions, and uninsured motorists. He is a member of the Hawaii Chamber of Commerce and provides other coverages like pet and health insurance.

License Verified:

License: 414552

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (11)
Yelp
4.5 / 5 (8)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hawaii Bonds & Insurance logo
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License Verified:

License: 472084

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Hawaii Bonds & Insurance

1888 Kalākaua Avenue, Ste C-312,, Honolulu, HI 96815
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  • Multiple Carriers

Business Description

Hawaii Bonds & Insurance is an independent agency serving clients in Honolulu. It offers car insurance policies that provide coverage for collision, comprehensive, property damage, and physical injury liabilities in the event of an accident or theft. The agency also provides risk management solutions for businesses, garages, and commercial properties. It has been assisting clients with the selection of coverage options from a number of insurance companies for 17 years. Dan Moss, an agent, handles the insurance for used car dealers in the state of Hawaii.

License Verified:

License: 472084

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance Associates, Inc. logo
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Insurance Associates, Inc.

800 Bethel St Ste 200, Honolulu, HI 96813
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Business Description

Insurance Associates, Inc. in Honolulu, Hawaii, offers auto insurance policies from a broad portfolio of trusted carriers. Established in 1969, the agency helps its clients navigate the quote process to find the right coverage and protection for their autos, including basic liability insurance, collision coverage, and comprehensive policies. Sue Savio, president of the agency, is a board member of the Hawaii Independent Insurance Agents Association and received the Gourley Award for distinguished service in the industry. Insurance Associates, Inc. also offers condo, renters, rental property, vacation rental, and homeowners insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Yelp
4.5 / 5 (6)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jack Wolfe Insurance logo
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Jack Wolfe Insurance

146 Hekili St Ste 102, Kailua, HI 96734
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Business Description

Jack Wolfe Insurance in Kailua, Hawaii, has been providing motorists in the greater Honolulu areas with auto insurance options since 1971. This full-service, independent insurance agency partners with some of the nation's leading auto insurance companies, including Island Insurance Companies and Progressive, to give drivers choices when purchasing their needed coverage. It sells standard auto insurance policies such as basic liability and property damage coverage, comprehensive, collision, and personal injury protection. Specialty auto insurance is available. This agency also insures classic cars, boats, and motorcycles, and it offers SR22 insurance for DUI-affected motorists.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Yelp
4.0 / 5 (13)
Google
4.0 / 5 (10)
John H Connors Insurance logo
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License Verified:

License: 446844

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

John H Connors Insurance

2 Waterfront Plaza 500 Ala Moana Blvd, Honolulu, HI 96813
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  • Motorcyle & ATV

Business Description

John H. Connors Insurance caters to clients in Honolulu and the surrounding areas. The locally operated agency offers auto insurance that can protect policyholders and their families in the event of vehicular accidents. As an independent insurance firm, its agents represent various carriers that provide different coverage options, such as comprehensive, collision, liability, personal injury protection, and uninsured or underinsured motorist coverage. The firm's insurance specialists have decades of combined experience in both personal and commercial lines.

License Verified:

License: 446844

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ross Tsuha logo
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License Verified:

License: 486593

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Ross Tsuha

1314 South King Street, Honolulu, HI 96814
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  • Multiple Carriers
  • Bundling Option

Business Description

Ross Tsuha has been a State Farm agent since 2013. He serves the Honolulu community by providing auto insurance plans to vehicle owners to protect them against damages and potential financial losses from unforeseen events such as fire, theft, and accidents. Tsuha and his team at State Farm aim to establish a deep relationship with their clients in the community by providing high-quality insurance solutions. Additionally, they offer home, life, health, and business insurance.

License Verified:

License: 486593

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ryan Miyashita logo
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License Verified:

License: 414695

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Ryan Miyashita

1580 Makaloa Street, Ste 102, Honolulu, HI 96814
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  • Multiple Carriers

Business Description

For over a decade, the State Farm insurance agent Ryan Miyashita has been providing financial solutions to clients in Honolulu. He deals with auto insurance products and offers a range of coverage options, from emergency roadside assistance to liability coverage. Miyashita also sets up a comprehensive auto insurance plan to help clients manage flood, wind, fire, or theft-related damages. He provides other insurance plans that cover home, life, and health. Miyashita has been in the insurance industry for over 15 years.

License Verified:

License: 414695

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (110)
Yelp
5.0 / 5 (42)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Shelli Toguchi-Hadley logo
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License Verified:

License: 330533

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Shelli Toguchi-Hadley

4510 Salt Lake Boulevard, Honolulu, HI 96818
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  • Multiple Carriers

Business Description

Shelli Toguchi-Hadley is a Honolulu-based professional that operates her own agency under State Farm. She assists clients in several areas, including auto insurance. This may include any of the following coverages: emergency road service, liability, medical payments, and uninsured motorist. The agent can also furnish car insurance plans that reimburse losses from collisions. Toguchi-Hadley has been working as a State Farm agent since 2010. For four years, she worked for two other State Farm teams before opening her own agency.

License Verified:

License: 330533

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (52)
Google
4.9 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wil Chang logo
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License Verified:

License: 488201

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Wil Chang

6700 Kalanianaʻole Highway, Honolulu, HI 96825
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  • Bundling Option

Business Description

Wil Chang is a State Farm insurance agent in Honolulu that offers multiple products, including auto insurance. He can furnish car protection plans that reimburse losses from non-collision incidents like theft or fire or will cover medical expenses in case the policyholder gets injured in an accident. In addition to auto insurance, Chang offers home, health, and life insurance. He has been working in the financial industry for two decades and has been with State Farm for five years.

License Verified:

License: 488201

Department Of Commerce and Consumer Affairs, Insurance Licensing Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (57)
Yelp
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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