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Finding the cheapest car insurance quotes in Ookala 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 Ookala
The car insurance rate in Ookala is $828 for a six-month policy, which is $61 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $648, making it a popular choice for budget-conscious drivers. Rates in Ookala 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 $648 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 $680 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $770
for six months, making it
the third cheapest auto insurance company in Ookala.
Ookala Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Ookala, HI is USAA, offering policies at just $648 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $680.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1026 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ookala drivers find the best deals.
The auto insurance costs in Ookala fall around $648 for six
months.
The cheapest auto insurance company in Ookala is USAA.
Teen drivers pay the highest rate in Ookala at $203 per
month.
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Cheapest Minimum Liability Car Insurance in Ookala
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 Ookala are given below.
USAA provides
the cheapest minimum car insurance
coverage in Ookala. Their Average 6 Month Premium is $173.
Progressive is the most
expensive at $404 for the same
period.
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 Ookala is USAA
at $109 per month and $648
for six months.
Cheapest Full Coverage Car Insurance Quotes in Ookala,
HI
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 Ookala, HI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Ookala, 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, Ookala's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Ookala
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
$667
30s
State Farm
$642
40s
State Farm
$642
50s
State Farm
$642
60s
State Farm
$642
70s
State Farm
$642
Cheapest Car Insurance Rates for Teen Drivers in
Ookala,HI
If you are planning to get a car insurance policy for your teenage
dependent, Tradewinds Insurance provides the cheapest car
insurance in the Ookala at $38
per
month. At $1206 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 Ookala.
As young drivers face the highest rates in Ookala, State Farm
offers the cheapest auto insurance rates at $667 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 Ookala,
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
Ookala is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Car Insurance Rates with An Accident in Ookala
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 Ookala, HI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Ookala
The cheapest car insurance companies after an at-fault accident in
Ookala include Tradewinds Insurance
and USAA, offering $295
and $475,
respectively. Progressive is an expensive provider
with an average six-month premium of
$1335.
Here is a list of driving violations that can increase your car
insurance rates in Ookala HI. For example, the car
insurance in Ookala
after a DUI increases to $1148 for a six
month policy. While the rate increases by $89 for a six-month policy in the case of
a speeding ticket.
Ookala auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$860
$144
One Med/PIP claim
$860
$146
Not-at-fault accident
$873
$146
One comp claim
$873
$148
Two comp claims
$873
$146
Two Med/PIP claims
$873
$148
Failure to wear a seat belt
$905
$151
Failure to show documents
$910
$154
Child safety restraint
$930
$156
Driving with expired registration
$930
$158
Driving without lights
$930
$156
Cell phone violation
$949
$161
Driving too slowly
$949
$159
Failure to stop at a red light
$949
$161
Failure to yield
$949
$159
Following too closely
$949
$161
Illegal turn
$949
$159
Improper passing
$949
$161
Speeding 11 - 15 MPH over limit
$949
$159
Speeding 6 - 10 MPH over limit
$949
$161
Speeding in school zone
$949
$159
Texting while driving
$949
$161
Wrong way/wrong lane
$949
$159
Speeding 16 - 20 MPH over limit
$962
$164
Passing school bus
$1008
$167
At-fault accident - less than $1000
$1014
$173
Open container
$1084
$180
Operating a vehicle without permission
$1084
$185
At-fault accident - $1000-$2000
$1123
$187
At-fault accident - greater than $2000
$1123
$191
In 65 MPH zone
$1296
$216
Speeding 21 - 25 MPH over limit
$1309
$222
Reckless driving
$1925
$321
Racing
$1976
$336
Driving with a suspended license
$1995
$333
DUI
$2008
$341
Refusal to submit to a chemical test
$2008
$335
Leaving scene of an accident/hit and run
$2053
$349
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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 Ookala 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 Ookala.
The cheapest car insurance premiums in
Ookala are
offered by Farmers at $731 for a six-month policy.
However, it can be as
expensive as $6441 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 Ookala are offered by Island Insurance Group
at $192. However,
it can be as expensive as $1610
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Ookala after Speeding ticket
Car insurance rates in Ookala have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Ookala remained steady at $127 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Ookala remained steady at $44 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Ookala. At $1656 for a
six-month policy, insuring
your car at 96774 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 Ookala?
The car insurance in Ookala is $29 per month, which is lower than the national average.
What is the cheapest car insurance in Ookala?
The cheapest car insurance in Ookala
is $109 per month
for full coverage.
How much is car insurance in Ookala for teenagers?
Car insurance for teenagers costs $225 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
Ookala?
The average cost of car insurance is $767 for a six-month
policy. It will cost around $139 per month to insure your
car in Ookala.
Is car insurance expensive in Ookala?
Car insurance can be expensive in Ookala if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Ookala can be
affordable.
What is the best car insurance in Ookala,
HI?
The best car insurance company in Ookala
HI is
USAA, offering $648 for a
six-month policy.
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Ookala Car Insurance
