Cheapest Car Insurance Quotes in Makakilo

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Makakilo Car Insurance

^$ 28

/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 $782 for a six-month policy, which is $15 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $612, 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

$782

Avg. Car Insurance in Hawaii

$767

National Average

$1140

Cheapest Car Insurance Companies in Makakilo

1st place: USAA

At $612 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 $643 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $727 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 USAA, offering policies at just $612 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $643.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $969 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
USAA	$612	$103
Island Insurance Group	$643	$109
Farmers	$727	$122
21st Century	$758	$129
Island	$775	$131
Progressive	$812	$137
State Farm	$824	$139
Tradewinds Insurance	$921	$157
Allstate	$969	$163

Key Takeaways

Way's key takeaways about car insurance in Makakilo

The auto insurance costs in Makakilo fall around $612 for six months.
The cheapest auto insurance company in Makakilo is USAA.
Teen drivers pay the highest rate in Makakilo at $192 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 $163. Progressive is the most expensive at $381 for the same period.

Cheapest Liability Coverage in Makakilo, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$163	$28
Island Insurance Group	$182	$31
Island	$200	$34
21st Century	$249	$42
Farmers	$254	$43
Allstate	$321	$54
State Farm	$327	$55
Progressive	$381	$64

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 USAA at $103 per month and $612 for six months.

Cheapest Full Coverage Car Insurance Quotes in Makakilo, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$612	$103
Island Insurance Group	$643	$109
Farmers	$727	$122
21st Century	$758	$129
Island	$775	$131
Progressive	$812	$137
State Farm	$824	$139
Tradewinds Insurance	$921	$157
Allstate	$969	$163

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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	$630
30s	State Farm	$606
40s	State Farm	$606
50s	State Farm	$606
60s	State Farm	$606
70s	State Farm	$606

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 $1139 for a six-month premium, Progressive 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	$437	$73
Farmers	$466	$79
State Farm	$540	$91
Island	$666	$111
21st Century	$758	$129
Allstate	$1072	$181
Progressive	$1139	$192

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 $630 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 Tradewinds Insurance and USAA, offering $278 and $449, respectively. Progressive is an expensive provider with an average six-month premium of $1261.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$278	$47
USAA	$449	$75
Island Insurance Group	$552	$93
Island	$569	$96
State Farm	$600	$101
Farmers	$836	$141
Allstate	$1169	$197
21st Century	$1242	$211
Progressive	$1261	$212

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 $691 for a six-month policy. However, it can be as expensive as $6083 with companies like Island Insurance Group.

Makakilo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$691	$116
USAA	$872	$147
State Farm	$897	$151
Progressive	$939	$158
21st Century	$1321	$224
Allstate	$2260	$380
Island	$5690	$967
Island Insurance Group	$6083	$1014

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 $1521 with companies like Allstate 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
State Farm	$437	$73
Farmers	$581	$98
USAA	$594	$101
Island	$721	$120
Progressive	$1290	$219
Allstate	$1521	$253

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 $120 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Makakilo remained steady at $42 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 Makakilo?

The car insurance in Makakilo is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Makakilo?

The cheapest car insurance in Makakilo is $103 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 $767 for a six-month policy. It will cost around $132 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 USAA, offering $612 for a six-month policy.