Cheapest Car Insurance Quotes in Waikapu

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Waikapu Car Insurance

^$ 31

/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 Waikapu

The car insurance rate in Waikapu is $853 for a six-month policy, which is $48 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $668, making it a popular choice for budget-conscious drivers. Rates in Waikapu 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 Waikapu

$853

Avg. Car Insurance in Hawaii

$805

National Average

$1278

Cheapest Car Insurance Companies in Waikapu

1st place: Island Insurance Group

At $668 for a six month policy, Island Insurance Group offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $668 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $781 for six months, making it the third cheapest auto insurance company in Waikapu.

Waikapu Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Waikapu, HI is Island Insurance Group, offering policies at just $668 for a six-month term. This is followed by USAA, which has an average six-month premium of $668.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1114 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waikapu drivers find the best deals.

Cheap Car Insurance Companies in Waikapu, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$668	$113
USAA	$668	$112
Farmers	$781	$131
21st Century	$788	$131
Progressive	$844	$142
Island	$913	$153
State Farm	$951	$160
Tradewinds Insurance	$957	$159
Allstate	$1114	$188

Key Takeaways

Way's key takeaways about car insurance in Waikapu

The auto insurance costs in Waikapu fall around $668 for six months.
The cheapest auto insurance company in Waikapu is USAA.
Teen drivers pay the highest rate in Waikapu at $116 per month.

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Cheapest Minimum Liability Car Insurance in Waikapu

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 Waikapu are given below.

USAA provides the cheapest minimum car insurance coverage in Waikapu. Their Average 6 Month Premium is $182. Progressive is the most expensive at $359 for the same period.

Cheapest Liability Coverage in Waikapu, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$182	$31
Island	$189	$32
Island Insurance Group	$189	$32
21st Century	$259	$43
Farmers	$259	$43
State Farm	$321	$54
Allstate	$340	$57
Progressive	$359	$60

Cheapest Full Coverage Car Insurance in Waikapu

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 Waikapu is Island Insurance Group at $113 per month and $668 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waikapu, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$668	$113
USAA	$668	$112
Farmers	$781	$131
21st Century	$788	$131
Progressive	$844	$142
Island	$913	$153
State Farm	$951	$160
Tradewinds Insurance	$957	$159
Allstate	$1114	$188

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Average Car Insurance in Waikapu 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 Waikapu, HI increasing?

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

Car Insurance Premiums by Age in Waikapu

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	$601
30s	State Farm	$578
40s	State Farm	$578
50s	State Farm	$578
60s	State Farm	$578
70s	State Farm	$578

Cheapest Car Insurance Rates for Teen Drivers in Waikapu,HI

If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Waikapu at $37 per month. At $692 for a six-month premium, Island offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$220	$37
Island Insurance Group	$422	$71
USAA	$491	$83
Farmers	$510	$86
State Farm	$655	$110
21st Century	$788	$131
Progressive	$1184	$199
Allstate	$1272	$214
Island	$692	$116

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 Waikapu.

As young drivers face the highest rates in Waikapu, State Farm offers the cheapest auto insurance rates at $601 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 Waikapu

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

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

The cheapest car insurance companies after an at-fault accident in Waikapu include Island and Tradewinds Insurance, offering $252 and $289, respectively. Allstate is an expensive provider with an average six-month premium of $1385.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island	$252	$42
Tradewinds Insurance	$289	$49
USAA	$504	$85
Island Insurance Group	$573	$96
State Farm	$718	$121
Farmers	$919	$155
21st Century	$1291	$215
Progressive	$1310	$220
Allstate	$1385	$233

Waikapu Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Waikapu HI. For example, the car insurance in Waikapu after a DUI increases to $1127 for a six month policy. While the rate increases by $88 for a six-month policy in the case of a speeding ticket.

Waikapu auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$844	$141
One Med/PIP claim	$844	$143
Not-at-fault accident	$856	$143
One comp claim	$856	$145
Two comp claims	$856	$143
Two Med/PIP claims	$856	$145
Failure to wear a seat belt	$888	$148
Failure to show documents	$894	$152
Child safety restraint	$913	$153
Driving with expired registration	$913	$155
Driving without lights	$913	$153
Cell phone violation	$932	$158
Driving too slowly	$932	$156
Failure to stop at a red light	$932	$158
Failure to yield	$932	$156
Following too closely	$932	$158
Illegal turn	$932	$156
Improper passing	$932	$158
Speeding 11 - 15 MPH over limit	$932	$156
Speeding 6 - 10 MPH over limit	$932	$158
Speeding in school zone	$932	$156
Texting while driving	$932	$158
Wrong way/wrong lane	$932	$156
Speeding 16 - 20 MPH over limit	$944	$161
Passing school bus	$989	$164
At-fault accident - less than $1000	$995	$170
Open container	$1064	$177
Operating a vehicle without permission	$1064	$181
At-fault accident - $1000-$2000	$1102	$183
At-fault accident - greater than $2000	$1102	$188
In 65 MPH zone	$1272	$212
Speeding 21 - 25 MPH over limit	$1285	$218
Reckless driving	$1889	$315
Racing	$1940	$330
Driving with a suspended license	$1958	$326
DUI	$1971	$335
Refusal to submit to a chemical test	$1971	$329
Leaving scene of an accident/hit and run	$2015	$342

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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 Waikapu 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 Waikapu.

The cheapest car insurance premiums in Waikapu are offered by Farmers at $749 for a six-month policy. However, it can be as expensive as $5913 with companies like Island.

Waikapu car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$749	$126
Progressive	$976	$164
USAA	$989	$166
State Farm	$1159	$195
21st Century	$1373	$233
Allstate	$2607	$439
Island Insurance Group	$6322	$1075
Island	$5913	$1005

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 Waikapu are offered by Island Insurance Group at $189. However, it can be as expensive as $749 with companies like Island for a similar six-month premium.

Cheapest Car Insurance in Waikapu after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$189	$32
Farmers	$642	$108
State Farm	$668	$112
USAA	$743	$124
Progressive	$1341	$228
Allstate	$2041	$340
Island	$749	$125

Car Insurance Price Trends in Waikapu, Hawaii

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

The average cost of full coverage in the Waikapu remained steady at $137 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Waikapu remained steady at $42 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Waikapu?

The car insurance in Waikapu is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Waikapu?

The cheapest car insurance in Waikapu is $113 per month for full coverage.

How much is car insurance in Waikapu for teenagers?

Car insurance for teenagers costs $220 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 Waikapu?

The average cost of car insurance is $805 for a six-month policy. It will cost around $143 per month to insure your car in Waikapu.

Is car insurance expensive in Waikapu?

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

What is the best car insurance in Waikapu, HI?

The best car insurance company in Waikapu HI is Island Insurance Group, offering $668 for a six-month policy.