Cheapest Car Insurance Quotes in Waikoloa Village

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Waikoloa Village 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 Waikoloa Village

The car insurance rate in Waikoloa Village is $869 for a six-month policy, which is $64 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $680, making it a popular choice for budget-conscious drivers. Rates in Waikoloa Village 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 Waikoloa Village

$869

Avg. Car Insurance in Hawaii

$805

National Average

$1278

Cheapest Car Insurance Companies in Waikoloa Village

1st place: Island Insurance Group

At $680 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 $680 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $796 for six months, making it the third cheapest auto insurance company in Waikoloa Village.

Waikoloa Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Waikoloa Village, HI is Island Insurance Group, offering policies at just $680 for a six-month term. This is followed by USAA, which has an average six-month premium of $680.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1135 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waikoloa Village drivers find the best deals.

Cheap Car Insurance Companies in Waikoloa Village, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$680	$116
USAA	$680	$114
Farmers	$796	$134
21st Century	$802	$134
Progressive	$860	$145
Island	$930	$156
State Farm	$969	$163
Tradewinds Insurance	$975	$162
Allstate	$1135	$191

Key Takeaways

Way's key takeaways about car insurance in Waikoloa Village

The auto insurance costs in Waikoloa Village fall around $680 for six months.
The cheapest auto insurance company in Waikoloa Village is USAA.
Teen drivers pay the highest rate in Waikoloa Village at $118 per month.

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Cheapest Minimum Liability Car Insurance in Waikoloa Village

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 Waikoloa Village are given below.

USAA provides the cheapest minimum car insurance coverage in Waikoloa Village. Their Average 6 Month Premium is $186. Progressive is the most expensive at $366 for the same period.

Cheapest Liability Coverage in Waikoloa Village, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$186	$31
Island	$192	$32
Island Insurance Group	$192	$32
21st Century	$264	$44
Farmers	$264	$44
State Farm	$327	$55
Allstate	$347	$58
Progressive	$366	$62

Cheapest Full Coverage Car Insurance in Waikoloa Village

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 Waikoloa Village is Island Insurance Group at $116 per month and $680 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waikoloa Village, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$680	$116
USAA	$680	$114
Farmers	$796	$134
21st Century	$802	$134
Progressive	$860	$145
Island	$930	$156
State Farm	$969	$163
Tradewinds Insurance	$975	$162
Allstate	$1135	$191

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Average Car Insurance in Waikoloa Village 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 Waikoloa Village, HI increasing?

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

Car Insurance Premiums by Age in Waikoloa Village

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	$612
30s	State Farm	$589
40s	State Farm	$589
50s	State Farm	$589
60s	State Farm	$589
70s	State Farm	$589

Cheapest Car Insurance Rates for Teen Drivers in Waikoloa Village,HI

If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Waikoloa Village at $38 per month. At $705 for a six-month premium, Island offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$225	$38
Island Insurance Group	$430	$72
USAA	$500	$84
Farmers	$519	$87
State Farm	$667	$112
21st Century	$802	$134
Progressive	$1206	$203
Allstate	$1296	$218
Island	$705	$118

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 Waikoloa Village.

As young drivers face the highest rates in Waikoloa Village, State Farm offers the cheapest auto insurance rates at $612 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 Waikoloa Village.

Car Insurance Rates with An Accident in Waikoloa Village

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

Cheapest Car Insurance Companies after an At-Fault Accident in Waikoloa Village

The cheapest car insurance companies after an at-fault accident in Waikoloa Village include Island and Tradewinds Insurance, offering $257 and $295, respectively. Allstate is an expensive provider with an average six-month premium of $1412.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island	$257	$43
Tradewinds Insurance	$295	$50
USAA	$513	$86
Island Insurance Group	$584	$98
State Farm	$731	$123
Farmers	$936	$158
21st Century	$1315	$219
Progressive	$1335	$225
Allstate	$1412	$238

Waikoloa Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Waikoloa Village HI. For example, the car insurance in Waikoloa Village 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.

Waikoloa Village 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 Waikoloa Village 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 Waikoloa Village.

The cheapest car insurance premiums in Waikoloa Village are offered by Farmers at $764 for a six-month policy. However, it can be as expensive as $6024 with companies like Island.

Waikoloa Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$764	$129
Progressive	$995	$167
USAA	$1008	$170
State Farm	$1180	$199
21st Century	$1399	$238
Allstate	$2656	$447
Island Insurance Group	$6441	$1095
Island	$6024	$1024

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 Waikoloa Village are offered by Island Insurance Group at $192. However, it can be as expensive as $764 with companies like Island for a similar six-month premium.

Cheapest Car Insurance in Waikoloa Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$192	$32
Farmers	$654	$110
State Farm	$680	$114
USAA	$757	$126
Progressive	$1366	$232
Allstate	$2079	$347
Island	$764	$127

Car Insurance Price Trends in Waikoloa Village, Hawaii

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

The average cost of full coverage in the Waikoloa Village remained steady at $139 in both March and February, indicating no change over the two month period.

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

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

What is the cheapest car insurance in Waikoloa Village?

The cheapest car insurance in Waikoloa Village is $116 per month for full coverage.

How much is car insurance in Waikoloa Village 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 Waikoloa Village?

The average cost of car insurance is $805 for a six-month policy. It will cost around $146 per month to insure your car in Waikoloa Village.

Is car insurance expensive in Waikoloa Village?

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

What is the best car insurance in Waikoloa Village, HI?

The best car insurance company in Waikoloa Village HI is Island Insurance Group, offering $680 for a six-month policy.