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Finding the cheapest car insurance quotes in Fort Shafter shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Fort Shafter
The car insurance rate in Fort Shafter is $775 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $606, making it a popular choice for budget-conscious drivers. Rates in Fort Shafter can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $606 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Island Insurance Group
Island Insurance Group offers auto
insurance rates at $636 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $720
for six months, making it
the third cheapest auto insurance company in Fort Shafter.
Fort Shafter Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Fort Shafter, HI is USAA, offering policies at just $606 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $636.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $960 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Shafter drivers find the best deals.
Way's key takeaways about car insurance in Fort Shafter
The auto insurance costs in Fort Shafter fall around $606 for six
months.
The cheapest auto insurance company in Fort Shafter is USAA.
Teen drivers pay the highest rate in Fort Shafter at $190 per
month.
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Cheapest Minimum Liability Car Insurance in Fort Shafter
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Fort Shafter are given below.
USAA provides
the cheapest minimum car insurance
coverage in Fort Shafter. Their Average 6 Month Premium is $162.
Progressive is the most
expensive at $378 for the same
period.
Cheapest Full Coverage Car Insurance in Fort Shafter
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Fort Shafter is USAA
at $102 per month and $606
for six months.
Cheapest Full Coverage Car Insurance Quotes in Fort Shafter,
HI
Get Your Car Insurance Quote in Fort Shafter
Instantly!
Average Car Insurance in Fort Shafter by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Fort Shafter, HI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Fort Shafter, Hawaii, may be increasing due to several external factors.
Hawaii has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Fort Shafter's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Fort Shafter
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
State Farm
$624
30s
State Farm
$600
40s
State Farm
$600
50s
State Farm
$600
60s
State Farm
$600
70s
State Farm
$600
Cheapest Car Insurance Rates for Teen Drivers in
Fort Shafter,HI
If you are planning to get a car insurance policy for your teenage
dependent, Tradewinds Insurance provides the cheapest car
insurance in the Fort Shafter at $35
per
month. At $1128 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties State Farm is
the best choice for car
insurance in Fort Shafter.
As young drivers face the highest rates in Fort Shafter, State Farm
offers the cheapest auto insurance rates at $624 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Fort Shafter,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Fort Shafter is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Save up to $971/yr on car insurance rates in Fort Shafter.
Car Insurance Rates with An Accident in Fort Shafter
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Fort Shafter, HI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Fort Shafter
The cheapest car insurance companies after an at-fault accident in
Fort Shafter include Tradewinds Insurance
and USAA, offering $276
and $444,
respectively. Progressive is an expensive provider
with an average six-month premium of
$1248.
Here is a list of driving violations that can increase your car
insurance rates in Fort Shafter HI. For example, the car
insurance in Fort Shafter
after a DUI increases to $1074 for a six
month policy. While the rate increases by $84 for a six-month policy in the case of
a speeding ticket.
Fort Shafter auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$804
$134
One Med/PIP claim
$804
$136
Not-at-fault accident
$816
$136
One comp claim
$816
$138
Two comp claims
$816
$136
Two Med/PIP claims
$816
$138
Failure to wear a seat belt
$846
$141
Failure to show documents
$851
$144
Child safety restraint
$870
$145
Driving with expired registration
$870
$147
Driving without lights
$870
$145
Cell phone violation
$888
$150
Driving too slowly
$888
$148
Failure to stop at a red light
$888
$150
Failure to yield
$888
$148
Following too closely
$888
$150
Illegal turn
$888
$148
Improper passing
$888
$150
Speeding 11 - 15 MPH over limit
$888
$148
Speeding 6 - 10 MPH over limit
$888
$150
Speeding in school zone
$888
$148
Texting while driving
$888
$150
Wrong way/wrong lane
$888
$148
Speeding 16 - 20 MPH over limit
$900
$154
Passing school bus
$942
$157
At-fault accident - less than $1000
$948
$162
Open container
$1014
$169
Operating a vehicle without permission
$1014
$173
At-fault accident - $1000-$2000
$1050
$175
At-fault accident - greater than $2000
$1050
$179
In 65 MPH zone
$1212
$202
Speeding 21 - 25 MPH over limit
$1224
$208
Reckless driving
$1800
$300
Racing
$1848
$314
Driving with a suspended license
$1865
$311
DUI
$1878
$319
Refusal to submit to a chemical test
$1878
$313
Leaving scene of an accident/hit and run
$1920
$326
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Fort Shafter after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Fort Shafter.
The cheapest car insurance premiums in
Fort Shafter are
offered by Farmers at $684 for a six-month policy.
However, it can be as
expensive as $6024 with companies
like Island Insurance Group.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Fort Shafter are offered by Island Insurance Group
at $180. However,
it can be as expensive as $1506
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Fort Shafter after Speeding ticket
Car Insurance Price Trends in Fort Shafter,
Hawaii
Car insurance rates in Fort Shafter have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Fort Shafter remained steady at $119 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Fort Shafter remained steady at $41 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Fort Shafter by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Fort Shafter. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Fort Shafter?
The car insurance in Fort Shafter is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Fort Shafter?
The cheapest car insurance in Fort Shafter
is $102 per month
for full coverage.
How much is car insurance in Fort Shafter for teenagers?
Car insurance for teenagers costs $210 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Fort Shafter?
The average cost of car insurance is $767 for a six-month
policy. It will cost around $130 per month to insure your
car in Fort Shafter.
Is car insurance expensive in Fort Shafter?
Car insurance can be expensive in Fort Shafter if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Fort Shafter can be
affordable.
What is the best car insurance in Fort Shafter,
HI?
The best car insurance company in Fort Shafter
HI is
USAA, offering $606 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Fort Shafter, HI
Car Insurance Rates by State in the USA (2025 Update)
Fort Shafter Car Insurance
