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Finding the cheapest car insurance quotes in Puunene 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 Puunene
The car insurance rate in Puunene is $744 for a six-month policy, which is $23 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $582, making it a popular choice for budget-conscious drivers. Rates in Puunene 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 $582 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 $611 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $692
for six months, making it
the third cheapest auto insurance company in Puunene.
Puunene Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Puunene, HI is USAA, offering policies at just $582 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $611.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $922 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Puunene drivers find the best deals.
Way's key takeaways about car insurance in Puunene
The auto insurance costs in Puunene fall around $582 for six
months.
The cheapest auto insurance company in Puunene is USAA.
Teen drivers pay the highest rate in Puunene at $182 per
month.
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Cheapest Minimum Liability Car Insurance in Puunene
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 Puunene are given below.
USAA provides
the cheapest minimum car insurance
coverage in Puunene. Their Average 6 Month Premium is $155.
Progressive is the most
expensive at $363 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 Puunene is USAA
at $98 per month and $582
for six months.
Cheapest Full Coverage Car Insurance Quotes in Puunene,
HI
Get Your Car Insurance Quote in Puunene
Instantly!
Average Car Insurance in Puunene 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 Puunene, HI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Puunene, 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, Puunene's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Puunene
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
$599
30s
State Farm
$576
40s
State Farm
$576
50s
State Farm
$576
60s
State Farm
$576
70s
State Farm
$576
Cheapest Car Insurance Rates for Teen Drivers in
Puunene,HI
If you are planning to get a car insurance policy for your teenage
dependent, Tradewinds Insurance provides the cheapest car
insurance in the Puunene at $34
per
month. At $1083 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 Puunene.
As young drivers face the highest rates in Puunene, State Farm
offers the cheapest auto insurance rates at $599 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 Puunene,
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
Puunene 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 Puunene
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 Puunene, HI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Puunene
The cheapest car insurance companies after an at-fault accident in
Puunene include Tradewinds Insurance
and USAA, offering $265
and $427,
respectively. Progressive is an expensive provider
with an average six-month premium of
$1199.
Here is a list of driving violations that can increase your car
insurance rates in Puunene HI. For example, the car
insurance in Puunene
after a DUI increases to $1031 for a six
month policy. While the rate increases by $81 for a six-month policy in the case of
a speeding ticket.
Puunene auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$772
$129
One Med/PIP claim
$772
$131
Not-at-fault accident
$784
$131
One comp claim
$784
$133
Two comp claims
$784
$131
Two Med/PIP claims
$784
$133
Failure to wear a seat belt
$813
$136
Failure to show documents
$818
$139
Child safety restraint
$835
$140
Driving with expired registration
$835
$142
Driving without lights
$835
$140
Cell phone violation
$853
$145
Driving too slowly
$853
$143
Failure to stop at a red light
$853
$145
Failure to yield
$853
$143
Following too closely
$853
$145
Illegal turn
$853
$143
Improper passing
$853
$145
Speeding 11 - 15 MPH over limit
$853
$143
Speeding 6 - 10 MPH over limit
$853
$145
Speeding in school zone
$853
$143
Texting while driving
$853
$145
Wrong way/wrong lane
$853
$143
Speeding 16 - 20 MPH over limit
$864
$147
Passing school bus
$905
$150
At-fault accident - less than $1000
$911
$155
Open container
$974
$162
Operating a vehicle without permission
$974
$166
At-fault accident - $1000-$2000
$1009
$168
At-fault accident - greater than $2000
$1009
$172
In 65 MPH zone
$1164
$194
Speeding 21 - 25 MPH over limit
$1176
$200
Reckless driving
$1729
$288
Racing
$1775
$302
Driving with a suspended license
$1792
$299
DUI
$1803
$307
Refusal to submit to a chemical test
$1803
$301
Leaving scene of an accident/hit and run
$1844
$313
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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 Puunene 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 Puunene.
The cheapest car insurance premiums in
Puunene are
offered by Farmers at $657 for a six-month policy.
However, it can be as
expensive as $5785 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 Puunene are offered by Island Insurance Group
at $173. However,
it can be as expensive as $1446
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Puunene after Speeding ticket
Car insurance rates in Puunene have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Puunene remained steady at $114 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Puunene remained steady at $40 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
Puunene. At $N/A for a
six-month policy, insuring
your car at N/A 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 Puunene?
The car insurance in Puunene is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Puunene?
The cheapest car insurance in Puunene
is $98 per month
for full coverage.
How much is car insurance in Puunene for teenagers?
Car insurance for teenagers costs $202 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
Puunene?
The average cost of car insurance is $767 for a six-month
policy. It will cost around $125 per month to insure your
car in Puunene.
Is car insurance expensive in Puunene?
Car insurance can be expensive in Puunene if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Puunene can be
affordable.
What is the best car insurance in Puunene,
HI?
The best car insurance company in Puunene
HI is
USAA, offering $582 for a
six-month policy.
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Puunene Car Insurance
