Cheapest Car Insurance Quotes in Lanai City

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Lanai City Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Lanai City

The car insurance rate in Lanai City is $698 for a six-month policy, which is $69 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $546, making it a popular choice for budget-conscious drivers. Rates in Lanai City 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.

Avg. Car Insurance in Lanai City

$698

Avg. Car Insurance in Hawaii

$767

National Average

$1140

Cheapest Car Insurance Companies in Lanai City

1st place: USAA

At $546 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 $573 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $649 for six months, making it the third cheapest auto insurance company in Lanai City.

Lanai City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lanai City, HI is USAA, offering policies at just $546 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $573.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $865 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lanai City drivers find the best deals.

Cheap Car Insurance Companies in Lanai City, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$546	$92
Island Insurance Group	$573	$97
Farmers	$649	$109
21st Century	$676	$115
Island	$692	$116
Progressive	$724	$122
State Farm	$735	$124
Tradewinds Insurance	$822	$140
Allstate	$865	$146

Key Takeaways

Way's key takeaways about car insurance in Lanai City

The auto insurance costs in Lanai City fall around $546 for six months.
The cheapest auto insurance company in Lanai City is USAA.
Teen drivers pay the highest rate in Lanai City at $171 per month.

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Cheapest Minimum Liability Car Insurance in Lanai City

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 Lanai City are given below.

USAA provides the cheapest minimum car insurance coverage in Lanai City. Their Average 6 Month Premium is $146. Progressive is the most expensive at $340 for the same period.

Cheapest Liability Coverage in Lanai City, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$146	$25
Island Insurance Group	$162	$27
Island	$178	$30
21st Century	$222	$37
Farmers	$227	$38
Allstate	$287	$48
State Farm	$292	$49
Progressive	$340	$57

Cheapest Full Coverage Car Insurance in Lanai City

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 Lanai City is USAA at $92 per month and $546 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lanai City, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$546	$92
Island Insurance Group	$573	$97
Farmers	$649	$109
21st Century	$676	$115
Island	$692	$116
Progressive	$724	$122
State Farm	$735	$124
Tradewinds Insurance	$822	$140
Allstate	$865	$146

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Average Car Insurance in Lanai City 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 Lanai City, HI increasing?

Despite maintaining a clean driving record, your car insurance rates in Lanai City, 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, Lanai City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lanai City

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	$562
30s	State Farm	$541
40s	State Farm	$541
50s	State Farm	$541
60s	State Farm	$541
70s	State Farm	$541

Cheapest Car Insurance Rates for Teen Drivers in Lanai City,HI

If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Lanai City at $32 per month. At $1016 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$189	$32
Island Insurance Group	$362	$61
USAA	$389	$66
Farmers	$416	$70
State Farm	$481	$81
Island	$594	$99
21st Century	$676	$115
Allstate	$956	$161
Progressive	$1016	$171

Teen Car Insurance Rates in HI by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Lanai City.

As young drivers face the highest rates in Lanai City, State Farm offers the cheapest auto insurance rates at $562 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.

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Car Insurance Rates with An Accident in Lanai City

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 Lanai City, HI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lanai City

The cheapest car insurance companies after an at-fault accident in Lanai City include Tradewinds Insurance and USAA, offering $248 and $400, respectively. Progressive is an expensive provider with an average six-month premium of $1125.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$248	$42
USAA	$400	$67
Island Insurance Group	$492	$83
Island	$508	$86
State Farm	$535	$90
Farmers	$746	$126
Allstate	$1043	$176
21st Century	$1108	$188
Progressive	$1125	$189

Lanai City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lanai City HI. For example, the car insurance in Lanai City after a DUI increases to $968 for a six month policy. While the rate increases by $76 for a six-month policy in the case of a speeding ticket.

Lanai City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$724	$121
One Med/PIP claim	$724	$123
Not-at-fault accident	$735	$123
One comp claim	$735	$125
Two comp claims	$735	$123
Two Med/PIP claims	$735	$125
Failure to wear a seat belt	$763	$127
Failure to show documents	$767	$130
Child safety restraint	$784	$131
Driving with expired registration	$784	$133
Driving without lights	$784	$131
Cell phone violation	$800	$136
Driving too slowly	$800	$134
Failure to stop at a red light	$800	$136
Failure to yield	$800	$134
Following too closely	$800	$136
Illegal turn	$800	$134
Improper passing	$800	$136
Speeding 11 - 15 MPH over limit	$800	$134
Speeding 6 - 10 MPH over limit	$800	$136
Speeding in school zone	$800	$134
Texting while driving	$800	$136
Wrong way/wrong lane	$800	$134
Speeding 16 - 20 MPH over limit	$811	$138
Passing school bus	$849	$141
At-fault accident - less than $1000	$854	$146
Open container	$914	$152
Operating a vehicle without permission	$914	$156
At-fault accident - $1000-$2000	$946	$157
At-fault accident - greater than $2000	$946	$161
In 65 MPH zone	$1092	$182
Speeding 21 - 25 MPH over limit	$1103	$187
Reckless driving	$1622	$270
Racing	$1665	$283
Driving with a suspended license	$1681	$280
DUI	$1692	$288
Refusal to submit to a chemical test	$1692	$282
Leaving scene of an accident/hit and run	$1730	$294

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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 Lanai City 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 Lanai City.

The cheapest car insurance premiums in Lanai City are offered by Farmers at $616 for a six-month policy. However, it can be as expensive as $5427 with companies like Island Insurance Group.

Lanai City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$616	$104
USAA	$778	$131
State Farm	$800	$135
Progressive	$838	$141
21st Century	$1178	$200
Allstate	$2017	$339
Island	$5076	$863
Island Insurance Group	$5427	$905

Cheapest car insurance after a speeding ticket

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 Lanai City are offered by Island Insurance Group at $162. However, it can be as expensive as $1357 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lanai City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$162	$27
State Farm	$389	$66
Farmers	$519	$87
USAA	$530	$90
Island	$643	$107
Progressive	$1151	$196
Allstate	$1357	$226

Car Insurance Price Trends in Lanai City, Hawaii

Car insurance rates in Lanai City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lanai City remained steady at $107 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lanai City remained steady at $37 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Lanai City?

The car insurance in Lanai City is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Lanai City?

The cheapest car insurance in Lanai City is $92 per month for full coverage.

How much is car insurance in Lanai City for teenagers?

Car insurance for teenagers costs $189 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 Lanai City?

The average cost of car insurance is $767 for a six-month policy. It will cost around $117 per month to insure your car in Lanai City.

Is car insurance expensive in Lanai City?

Car insurance can be expensive in Lanai City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lanai City can be affordable.

What is the best car insurance in Lanai City, HI?

The best car insurance company in Lanai City HI is USAA, offering $546 for a six-month policy.