Cheapest Car Insurance Quotes in Makakilo

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Makakilo Car Insurance

^$ 30

/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 Makakilo

The car insurance rate in Makakilo is $821 for a six-month policy, which is $16 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $643, making it a popular choice for budget-conscious drivers. Rates in Makakilo 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 Makakilo

$821

Avg. Car Insurance in Hawaii

$805

National Average

$1278

Cheapest Car Insurance Companies in Makakilo

1st place: Island Insurance Group

At $643 for a six month policy, Island Insurance Group offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $643 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $752 for six months, making it the third cheapest auto insurance company in Makakilo.

Makakilo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Makakilo, HI is Island Insurance Group, offering policies at just $643 for a six-month term. This is followed by USAA, which has an average six-month premium of $643.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1072 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Makakilo drivers find the best deals.

Cheap Car Insurance Companies in Makakilo, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$643	$109
USAA	$643	$108
Farmers	$752	$126
21st Century	$758	$126
Progressive	$812	$137
Island	$878	$147
State Farm	$915	$154
Tradewinds Insurance	$921	$153
Allstate	$1072	$181

Key Takeaways

Way's key takeaways about car insurance in Makakilo

The auto insurance costs in Makakilo fall around $643 for six months.
The cheapest auto insurance company in Makakilo is USAA.
Teen drivers pay the highest rate in Makakilo at $111 per month.

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Cheapest Minimum Liability Car Insurance in Makakilo

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 Makakilo are given below.

USAA provides the cheapest minimum car insurance coverage in Makakilo. Their Average 6 Month Premium is $175. Progressive is the most expensive at $346 for the same period.

Cheapest Liability Coverage in Makakilo, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$175	$30
Island	$182	$31
Island Insurance Group	$182	$31
21st Century	$249	$42
Farmers	$249	$42
State Farm	$309	$52
Allstate	$327	$55
Progressive	$346	$58

Cheapest Full Coverage Car Insurance in Makakilo

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 Makakilo is Island Insurance Group at $109 per month and $643 for six months.

Cheapest Full Coverage Car Insurance Quotes in Makakilo, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$643	$109
USAA	$643	$108
Farmers	$752	$126
21st Century	$758	$126
Progressive	$812	$137
Island	$878	$147
State Farm	$915	$154
Tradewinds Insurance	$921	$153
Allstate	$1072	$181

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Average Car Insurance in Makakilo 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 Makakilo, HI increasing?

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

Car Insurance Premiums by Age in Makakilo

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	$578
30s	State Farm	$556
40s	State Farm	$556
50s	State Farm	$556
60s	State Farm	$556
70s	State Farm	$556

Cheapest Car Insurance Rates for Teen Drivers in Makakilo,HI

If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Makakilo at $36 per month. At $666 for a six-month premium, Island offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$212	$36
Island Insurance Group	$406	$68
USAA	$472	$80
Farmers	$491	$83
State Farm	$630	$106
21st Century	$758	$126
Progressive	$1139	$192
Allstate	$1224	$206
Island	$666	$111

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 Makakilo.

As young drivers face the highest rates in Makakilo, State Farm offers the cheapest auto insurance rates at $578 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 Makakilo

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

Cheapest Car Insurance Companies after an At-Fault Accident in Makakilo

The cheapest car insurance companies after an at-fault accident in Makakilo include Island and Tradewinds Insurance, offering $243 and $278, respectively. Allstate is an expensive provider with an average six-month premium of $1333.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island	$243	$41
Tradewinds Insurance	$278	$47
USAA	$485	$82
Island Insurance Group	$552	$93
State Farm	$691	$116
Farmers	$884	$149
21st Century	$1242	$207
Progressive	$1261	$212
Allstate	$1333	$224

Makakilo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Makakilo HI. For example, the car insurance in Makakilo after a DUI increases to $1084 for a six month policy. While the rate increases by $85 for a six-month policy in the case of a speeding ticket.

Makakilo auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$812	$136
One Med/PIP claim	$812	$138
Not-at-fault accident	$824	$138
One comp claim	$824	$140
Two comp claims	$824	$138
Two Med/PIP claims	$824	$140
Failure to wear a seat belt	$855	$143
Failure to show documents	$860	$146
Child safety restraint	$878	$147
Driving with expired registration	$878	$149
Driving without lights	$878	$147
Cell phone violation	$897	$152
Driving too slowly	$897	$150
Failure to stop at a red light	$897	$152
Failure to yield	$897	$150
Following too closely	$897	$152
Illegal turn	$897	$150
Improper passing	$897	$152
Speeding 11 - 15 MPH over limit	$897	$150
Speeding 6 - 10 MPH over limit	$897	$152
Speeding in school zone	$897	$150
Texting while driving	$897	$152
Wrong way/wrong lane	$897	$150
Speeding 16 - 20 MPH over limit	$909	$155
Passing school bus	$952	$158
At-fault accident - less than $1000	$958	$163
Open container	$1024	$170
Operating a vehicle without permission	$1024	$174
At-fault accident - $1000-$2000	$1061	$176
At-fault accident - greater than $2000	$1061	$181
In 65 MPH zone	$1224	$204
Speeding 21 - 25 MPH over limit	$1236	$210
Reckless driving	$1818	$303
Racing	$1867	$317
Driving with a suspended license	$1884	$314
DUI	$1896	$322
Refusal to submit to a chemical test	$1896	$316
Leaving scene of an accident/hit and run	$1939	$329

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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 Makakilo 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 Makakilo.

The cheapest car insurance premiums in Makakilo are offered by Farmers at $721 for a six-month policy. However, it can be as expensive as $5690 with companies like Island.

Makakilo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$721	$121
Progressive	$939	$158
USAA	$952	$160
State Farm	$1115	$188
21st Century	$1321	$224
Allstate	$2508	$422
Island Insurance Group	$6083	$1034
Island	$5690	$967

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 Makakilo are offered by Island Insurance Group at $182. However, it can be as expensive as $721 with companies like Island for a similar six-month premium.

Cheapest Car Insurance in Makakilo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$182	$31
Farmers	$618	$104
State Farm	$643	$108
USAA	$715	$119
Progressive	$1290	$219
Allstate	$1964	$327
Island	$721	$120

Car Insurance Price Trends in Makakilo, Hawaii

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

The average cost of full coverage in the Makakilo remained steady at $132 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Makakilo remained steady at $41 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Makakilo?

The car insurance in Makakilo is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Makakilo?

The cheapest car insurance in Makakilo is $109 per month for full coverage.

How much is car insurance in Makakilo for teenagers?

Car insurance for teenagers costs $212 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 Makakilo?

The average cost of car insurance is $805 for a six-month policy. It will cost around $138 per month to insure your car in Makakilo.

Is car insurance expensive in Makakilo?

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

What is the best car insurance in Makakilo, HI?

The best car insurance company in Makakilo HI is Island Insurance Group, offering $643 for a six-month policy.