Cheapest Car Insurance Quotes in Waikele

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408,850 Policies Sold

Waikele Car Insurance

^$ 32

/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 Waikele

The car insurance rate in Waikele is $894 for a six-month policy, which is $89 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $699, making it a popular choice for budget-conscious drivers. Rates in Waikele 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 Waikele

$894

Avg. Car Insurance in Hawaii

$805

National Average

$1278

Cheapest Car Insurance Companies in Waikele

1st place: Island Insurance Group

At $699 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 $699 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $818 for six months, making it the third cheapest auto insurance company in Waikele.

Waikele Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Waikele, HI is Island Insurance Group, offering policies at just $699 for a six-month term. This is followed by USAA, which has an average six-month premium of $699.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1167 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waikele drivers find the best deals.

Cheap Car Insurance Companies in Waikele, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$699	$119
USAA	$699	$118
Farmers	$818	$138
21st Century	$825	$138
Progressive	$884	$149
Island	$956	$160
State Farm	$996	$168
Tradewinds Insurance	$1002	$167
Allstate	$1167	$196

Key Takeaways

Way's key takeaways about car insurance in Waikele

The auto insurance costs in Waikele fall around $699 for six months.
The cheapest auto insurance company in Waikele is USAA.
Teen drivers pay the highest rate in Waikele at $121 per month.

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Cheapest Minimum Liability Car Insurance in Waikele

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 Waikele are given below.

USAA provides the cheapest minimum car insurance coverage in Waikele. Their Average 6 Month Premium is $191. Progressive is the most expensive at $376 for the same period.

Cheapest Liability Coverage in Waikele, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$191	$32
Island	$198	$33
Island Insurance Group	$198	$33
21st Century	$271	$46
Farmers	$271	$46
State Farm	$336	$57
Allstate	$356	$60
Progressive	$376	$63

Cheapest Full Coverage Car Insurance in Waikele

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 Waikele is Island Insurance Group at $119 per month and $699 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waikele, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$699	$119
USAA	$699	$118
Farmers	$818	$138
21st Century	$825	$138
Progressive	$884	$149
Island	$956	$160
State Farm	$996	$168
Tradewinds Insurance	$1002	$167
Allstate	$1167	$196

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Average Car Insurance in Waikele 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 Waikele, HI increasing?

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

Car Insurance Premiums by Age in Waikele

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	$629
30s	State Farm	$605
40s	State Farm	$605
50s	State Farm	$605
60s	State Farm	$605
70s	State Farm	$605

Cheapest Car Insurance Rates for Teen Drivers in Waikele,HI

If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Waikele at $39 per month. At $725 for a six-month premium, Island offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$231	$39
Island Insurance Group	$442	$74
USAA	$514	$87
Farmers	$534	$90
State Farm	$686	$115
21st Century	$825	$138
Progressive	$1240	$209
Allstate	$1332	$224
Island	$725	$121

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 Waikele.

As young drivers face the highest rates in Waikele, State Farm offers the cheapest auto insurance rates at $629 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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Save up to $971/yr on car insurance rates in Waikele.

Car Insurance Rates with An Accident in Waikele

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

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

The cheapest car insurance companies after an at-fault accident in Waikele include Island and Tradewinds Insurance, offering $264 and $303, respectively. Allstate is an expensive provider with an average six-month premium of $1451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island	$264	$44
Tradewinds Insurance	$303	$51
USAA	$527	$89
Island Insurance Group	$601	$101
State Farm	$751	$127
Farmers	$962	$162
21st Century	$1352	$225
Progressive	$1372	$231
Allstate	$1451	$244

Waikele Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Waikele HI. For example, the car insurance in Waikele after a DUI increases to $1179 for a six month policy. While the rate increases by $92 for a six-month policy in the case of a speeding ticket.

Waikele auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$884	$148
One Med/PIP claim	$884	$150
Not-at-fault accident	$897	$150
One comp claim	$897	$152
Two comp claims	$897	$150
Two Med/PIP claims	$897	$152
Failure to wear a seat belt	$930	$155
Failure to show documents	$936	$159
Child safety restraint	$956	$160
Driving with expired registration	$956	$162
Driving without lights	$956	$160
Cell phone violation	$976	$165
Driving too slowly	$976	$163
Failure to stop at a red light	$976	$165
Failure to yield	$976	$163
Following too closely	$976	$165
Illegal turn	$976	$163
Improper passing	$976	$165
Speeding 11 - 15 MPH over limit	$976	$163
Speeding 6 - 10 MPH over limit	$976	$165
Speeding in school zone	$976	$163
Texting while driving	$976	$165
Wrong way/wrong lane	$976	$163
Speeding 16 - 20 MPH over limit	$989	$169
Passing school bus	$1036	$172
At-fault accident - less than $1000	$1042	$178
Open container	$1114	$185
Operating a vehicle without permission	$1114	$190
At-fault accident - $1000-$2000	$1154	$192
At-fault accident - greater than $2000	$1154	$196
In 65 MPH zone	$1332	$222
Speeding 21 - 25 MPH over limit	$1345	$229
Reckless driving	$1978	$330
Racing	$2031	$345
Driving with a suspended license	$2050	$342
DUI	$2063	$351
Refusal to submit to a chemical test	$2063	$344
Leaving scene of an accident/hit and run	$2110	$359

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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 Waikele 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 Waikele.

The cheapest car insurance premiums in Waikele are offered by Farmers at $785 for a six-month policy. However, it can be as expensive as $6192 with companies like Island.

Waikele car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$785	$132
Progressive	$1022	$172
USAA	$1036	$174
State Farm	$1213	$204
21st Century	$1437	$244
Allstate	$2729	$460
Island Insurance Group	$6620	$1126
Island	$6192	$1052

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 Waikele are offered by Island Insurance Group at $198. However, it can be as expensive as $785 with companies like Island for a similar six-month premium.

Cheapest Car Insurance in Waikele after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$198	$33
Farmers	$673	$113
State Farm	$699	$118
USAA	$778	$130
Progressive	$1404	$239
Allstate	$2137	$356
Island	$785	$131

Car Insurance Price Trends in Waikele, Hawaii

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

The average cost of full coverage in the Waikele remained steady at $143 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Waikele remained steady at $44 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 Waikele?

The car insurance in Waikele is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Waikele?

The cheapest car insurance in Waikele is $119 per month for full coverage.

How much is car insurance in Waikele for teenagers?

Car insurance for teenagers costs $231 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 Waikele?

The average cost of car insurance is $805 for a six-month policy. It will cost around $150 per month to insure your car in Waikele.

Is car insurance expensive in Waikele?

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

What is the best car insurance in Waikele, HI?

The best car insurance company in Waikele HI is Island Insurance Group, offering $699 for a six-month policy.