Cheapest Car Insurance Quotes in Maunaloa

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Maunaloa 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 Maunaloa

The car insurance rate in Maunaloa is $721 for a six-month policy, which is $46 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $564, making it a popular choice for budget-conscious drivers. Rates in Maunaloa 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 Maunaloa

$721

Avg. Car Insurance in Hawaii

$767

National Average

$1140

Cheapest Car Insurance Companies in Maunaloa

1st place: USAA

At $564 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 $592 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $670 for six months, making it the third cheapest auto insurance company in Maunaloa.

Maunaloa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Maunaloa, HI is USAA, offering policies at just $564 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $592.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $893 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Maunaloa drivers find the best deals.

Cheap Car Insurance Companies in Maunaloa, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$564	$95
Island Insurance Group	$592	$101
Farmers	$670	$113
21st Century	$698	$118
Island	$714	$120
Progressive	$748	$126
State Farm	$760	$128
Tradewinds Insurance	$849	$145
Allstate	$893	$150

Key Takeaways

Way's key takeaways about car insurance in Maunaloa

The auto insurance costs in Maunaloa fall around $564 for six months.
The cheapest auto insurance company in Maunaloa is USAA.
Teen drivers pay the highest rate in Maunaloa at $177 per month.

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Cheapest Minimum Liability Car Insurance in Maunaloa

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 Maunaloa are given below.

USAA provides the cheapest minimum car insurance coverage in Maunaloa. Their Average 6 Month Premium is $150. Progressive is the most expensive at $352 for the same period.

Cheapest Liability Coverage in Maunaloa, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$150	$25
Island Insurance Group	$167	$28
Island	$184	$31
21st Century	$229	$39
Farmers	$234	$39
Allstate	$296	$50
State Farm	$302	$51
Progressive	$352	$59

Cheapest Full Coverage Car Insurance in Maunaloa

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 Maunaloa is USAA at $95 per month and $564 for six months.

Cheapest Full Coverage Car Insurance Quotes in Maunaloa, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$564	$95
Island Insurance Group	$592	$101
Farmers	$670	$113
21st Century	$698	$118
Island	$714	$120
Progressive	$748	$126
State Farm	$760	$128
Tradewinds Insurance	$849	$145
Allstate	$893	$150

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Average Car Insurance in Maunaloa 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 Maunaloa, HI increasing?

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

Car Insurance Premiums by Age in Maunaloa

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	$581
30s	State Farm	$558
40s	State Farm	$558
50s	State Farm	$558
60s	State Farm	$558
70s	State Farm	$558

Cheapest Car Insurance Rates for Teen Drivers in Maunaloa,HI

If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Maunaloa at $33 per month. At $1050 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$196	$33
Island Insurance Group	$374	$63
USAA	$402	$68
Farmers	$430	$72
State Farm	$497	$84
Island	$614	$102
21st Century	$698	$118
Allstate	$988	$166
Progressive	$1050	$177

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 Maunaloa.

As young drivers face the highest rates in Maunaloa, State Farm offers the cheapest auto insurance rates at $581 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 Maunaloa

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

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

The cheapest car insurance companies after an at-fault accident in Maunaloa include Tradewinds Insurance and USAA, offering $257 and $414, respectively. Progressive is an expensive provider with an average six-month premium of $1162.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$257	$43
USAA	$414	$70
Island Insurance Group	$509	$86
Island	$525	$88
State Farm	$553	$93
Farmers	$771	$130
Allstate	$1077	$181
21st Century	$1145	$195
Progressive	$1162	$196

Maunaloa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Maunaloa HI. For example, the car insurance in Maunaloa after a DUI increases to $999 for a six month policy. While the rate increases by $78 for a six-month policy in the case of a speeding ticket.

Maunaloa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$748	$125
One Med/PIP claim	$748	$127
Not-at-fault accident	$760	$127
One comp claim	$760	$129
Two comp claims	$760	$127
Two Med/PIP claims	$760	$129
Failure to wear a seat belt	$788	$132
Failure to show documents	$792	$134
Child safety restraint	$809	$135
Driving with expired registration	$809	$137
Driving without lights	$809	$135
Cell phone violation	$826	$140
Driving too slowly	$826	$138
Failure to stop at a red light	$826	$140
Failure to yield	$826	$138
Following too closely	$826	$140
Illegal turn	$826	$138
Improper passing	$826	$140
Speeding 11 - 15 MPH over limit	$826	$138
Speeding 6 - 10 MPH over limit	$826	$140
Speeding in school zone	$826	$138
Texting while driving	$826	$140
Wrong way/wrong lane	$826	$138
Speeding 16 - 20 MPH over limit	$838	$143
Passing school bus	$877	$146
At-fault accident - less than $1000	$883	$150
Open container	$944	$157
Operating a vehicle without permission	$944	$161
At-fault accident - $1000-$2000	$978	$163
At-fault accident - greater than $2000	$978	$166
In 65 MPH zone	$1128	$188
Speeding 21 - 25 MPH over limit	$1139	$194
Reckless driving	$1675	$279
Racing	$1720	$292
Driving with a suspended license	$1736	$290
DUI	$1747	$297
Refusal to submit to a chemical test	$1747	$291
Leaving scene of an accident/hit and run	$1787	$304

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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 Maunaloa 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 Maunaloa.

The cheapest car insurance premiums in Maunaloa are offered by Farmers at $636 for a six-month policy. However, it can be as expensive as $5606 with companies like Island Insurance Group.

Maunaloa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$636	$107
USAA	$804	$135
State Farm	$826	$139
Progressive	$866	$146
21st Century	$1217	$207
Allstate	$2083	$351
Island	$5243	$891
Island Insurance Group	$5606	$934

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 Maunaloa are offered by Island Insurance Group at $167. However, it can be as expensive as $1402 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Maunaloa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$167	$28
State Farm	$402	$68
Farmers	$536	$90
USAA	$547	$93
Island	$665	$111
Progressive	$1189	$202
Allstate	$1402	$233

Car Insurance Price Trends in Maunaloa, Hawaii

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

The average cost of full coverage in the Maunaloa remained steady at $111 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Maunaloa remained steady at $39 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 Maunaloa?

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

What is the cheapest car insurance in Maunaloa?

The cheapest car insurance in Maunaloa is $95 per month for full coverage.

How much is car insurance in Maunaloa for teenagers?

Car insurance for teenagers costs $196 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 Maunaloa?

The average cost of car insurance is $767 for a six-month policy. It will cost around $121 per month to insure your car in Maunaloa.

Is car insurance expensive in Maunaloa?

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

What is the best car insurance in Maunaloa, HI?

The best car insurance company in Maunaloa HI is USAA, offering $564 for a six-month policy.