Cheapest Car Insurance Quotes in Volcano

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399,755 Policies Sold

Volcano 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 Volcano

The car insurance rate in Volcano is $805 for a six-month policy, which is $38 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $630, making it a popular choice for budget-conscious drivers. Rates in Volcano 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 Volcano

$805

Avg. Car Insurance in Hawaii

$767

National Average

$1140

Cheapest Car Insurance Companies in Volcano

1st place: USAA

At $630 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 $662 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $749 for six months, making it the third cheapest auto insurance company in Volcano.

Volcano Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Volcano, HI is USAA, offering policies at just $630 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $662.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $998 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Volcano drivers find the best deals.

Cheap Car Insurance Companies in Volcano, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$630	$106
Island Insurance Group	$662	$112
Farmers	$749	$126
21st Century	$780	$132
Island	$798	$134
Progressive	$836	$141
State Farm	$848	$143
Tradewinds Insurance	$948	$162
Allstate	$998	$168

Key Takeaways

Way's key takeaways about car insurance in Volcano

The auto insurance costs in Volcano fall around $630 for six months.
The cheapest auto insurance company in Volcano is USAA.
Teen drivers pay the highest rate in Volcano at $197 per month.

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Cheapest Minimum Liability Car Insurance in Volcano

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 Volcano are given below.

USAA provides the cheapest minimum car insurance coverage in Volcano. Their Average 6 Month Premium is $168. Progressive is the most expensive at $393 for the same period.

Cheapest Liability Coverage in Volcano, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$168	$28
Island Insurance Group	$187	$32
Island	$206	$35
21st Century	$256	$43
Farmers	$261	$44
Allstate	$331	$56
State Farm	$337	$57
Progressive	$393	$66

Cheapest Full Coverage Car Insurance in Volcano

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 Volcano is USAA at $106 per month and $630 for six months.

Cheapest Full Coverage Car Insurance Quotes in Volcano, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$630	$106
Island Insurance Group	$662	$112
Farmers	$749	$126
21st Century	$780	$132
Island	$798	$134
Progressive	$836	$141
State Farm	$848	$143
Tradewinds Insurance	$948	$162
Allstate	$998	$168

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Average Car Insurance in Volcano 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 Volcano, HI increasing?

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

Car Insurance Premiums by Age in Volcano

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	$649
30s	State Farm	$624
40s	State Farm	$624
50s	State Farm	$624
60s	State Farm	$624
70s	State Farm	$624

Cheapest Car Insurance Rates for Teen Drivers in Volcano,HI

If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Volcano at $37 per month. At $1173 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$218	$37
Island Insurance Group	$418	$70
USAA	$449	$76
Farmers	$480	$81
State Farm	$555	$93
Island	$686	$114
21st Century	$780	$132
Allstate	$1104	$186
Progressive	$1173	$197

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 Volcano.

As young drivers face the highest rates in Volcano, State Farm offers the cheapest auto insurance rates at $649 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 Volcano

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

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

The cheapest car insurance companies after an at-fault accident in Volcano include Tradewinds Insurance and USAA, offering $287 and $462, respectively. Progressive is an expensive provider with an average six-month premium of $1298.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$287	$48
USAA	$462	$78
Island Insurance Group	$568	$96
Island	$586	$99
State Farm	$617	$104
Farmers	$861	$145
Allstate	$1203	$203
21st Century	$1279	$217
Progressive	$1298	$218

Volcano Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Volcano HI. For example, the car insurance in Volcano after a DUI increases to $1116 for a six month policy. While the rate increases by $87 for a six-month policy in the case of a speeding ticket.

Volcano auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$836	$140
One Med/PIP claim	$836	$142
Not-at-fault accident	$848	$142
One comp claim	$848	$144
Two comp claims	$848	$142
Two Med/PIP claims	$848	$144
Failure to wear a seat belt	$880	$147
Failure to show documents	$885	$150
Child safety restraint	$904	$151
Driving with expired registration	$904	$153
Driving without lights	$904	$151
Cell phone violation	$923	$156
Driving too slowly	$923	$154
Failure to stop at a red light	$923	$156
Failure to yield	$923	$154
Following too closely	$923	$156
Illegal turn	$923	$154
Improper passing	$923	$156
Speeding 11 - 15 MPH over limit	$923	$154
Speeding 6 - 10 MPH over limit	$923	$156
Speeding in school zone	$923	$154
Texting while driving	$923	$156
Wrong way/wrong lane	$923	$154
Speeding 16 - 20 MPH over limit	$936	$160
Passing school bus	$980	$163
At-fault accident - less than $1000	$986	$168
Open container	$1054	$175
Operating a vehicle without permission	$1054	$180
At-fault accident - $1000-$2000	$1092	$182
At-fault accident - greater than $2000	$1092	$186
In 65 MPH zone	$1260	$210
Speeding 21 - 25 MPH over limit	$1273	$216
Reckless driving	$1871	$312
Racing	$1922	$327
Driving with a suspended license	$1939	$323
DUI	$1952	$332
Refusal to submit to a chemical test	$1952	$326
Leaving scene of an accident/hit and run	$1996	$339

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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 Volcano 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 Volcano.

The cheapest car insurance premiums in Volcano are offered by Farmers at $711 for a six-month policy. However, it can be as expensive as $6262 with companies like Island Insurance Group.

Volcano car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$711	$120
USAA	$898	$151
State Farm	$923	$155
Progressive	$967	$163
21st Century	$1360	$231
Allstate	$2327	$392
Island	$5857	$995
Island Insurance Group	$6262	$1044

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 Volcano are offered by Island Insurance Group at $187. However, it can be as expensive as $1566 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Volcano after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$187	$32
State Farm	$449	$76
Farmers	$599	$101
USAA	$611	$104
Island	$742	$124
Progressive	$1328	$226
Allstate	$1566	$260

Car Insurance Price Trends in Volcano, Hawaii

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

The average cost of full coverage in the Volcano remained steady at $124 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Volcano remained steady at $43 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 Volcano?

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

What is the cheapest car insurance in Volcano?

The cheapest car insurance in Volcano is $106 per month for full coverage.

How much is car insurance in Volcano for teenagers?

Car insurance for teenagers costs $218 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 Volcano?

The average cost of car insurance is $767 for a six-month policy. It will cost around $135 per month to insure your car in Volcano.

Is car insurance expensive in Volcano?

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

What is the best car insurance in Volcano, HI?

The best car insurance company in Volcano HI is USAA, offering $630 for a six-month policy.