Cheapest Car Insurance Quotes in Waikoloa Village

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Waikoloa Village Car Insurance

^$ 29

/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 $828 for a six-month policy, which is $61 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $648, 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

$828

Avg. Car Insurance in Hawaii

$767

National Average

$1140

Cheapest Car Insurance Companies in Waikoloa Village

1st place: USAA

At $648 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 $680 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $770 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 USAA, offering policies at just $648 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $680.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1026 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
USAA	$648	$109
Island Insurance Group	$680	$116
Farmers	$770	$130
21st Century	$802	$136
Island	$821	$138
Progressive	$860	$145
State Farm	$873	$147
Tradewinds Insurance	$975	$166
Allstate	$1026	$173

Key Takeaways

Way's key takeaways about car insurance in Waikoloa Village

The auto insurance costs in Waikoloa Village fall around $648 for six months.
The cheapest auto insurance company in Waikoloa Village is USAA.
Teen drivers pay the highest rate in Waikoloa Village at $203 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 $173. Progressive is the most expensive at $404 for the same period.

Cheapest Liability Coverage in Waikoloa Village, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$173	$29
Island Insurance Group	$192	$32
Island	$212	$36
21st Century	$264	$44
Farmers	$269	$45
Allstate	$340	$57
State Farm	$347	$58
Progressive	$404	$68

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 USAA at $109 per month and $648 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waikoloa Village, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$648	$109
Island Insurance Group	$680	$116
Farmers	$770	$130
21st Century	$802	$136
Island	$821	$138
Progressive	$860	$145
State Farm	$873	$147
Tradewinds Insurance	$975	$166
Allstate	$1026	$173

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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	$667
30s	State Farm	$642
40s	State Farm	$642
50s	State Farm	$642
60s	State Farm	$642
70s	State Farm	$642

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 $1206 for a six-month premium, Progressive 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	$462	$78
Farmers	$494	$83
State Farm	$571	$96
Island	$705	$118
21st Century	$802	$136
Allstate	$1135	$191
Progressive	$1206	$203

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 $667 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 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 Tradewinds Insurance and USAA, offering $295 and $475, respectively. Progressive is an expensive provider with an average six-month premium of $1335.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$295	$50
USAA	$475	$80
Island Insurance Group	$584	$98
Island	$603	$102
State Farm	$635	$107
Farmers	$886	$149
Allstate	$1238	$208
21st Century	$1315	$224
Progressive	$1335	$225

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 $731 for a six-month policy. However, it can be as expensive as $6441 with companies like Island Insurance Group.

Waikoloa Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$731	$123
USAA	$923	$156
State Farm	$949	$160
Progressive	$995	$167
21st Century	$1399	$238
Allstate	$2393	$403
Island	$6024	$1024
Island Insurance Group	$6441	$1074

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 $1610 with companies like Allstate 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
State Farm	$462	$78
Farmers	$616	$104
USAA	$629	$107
Island	$764	$127
Progressive	$1366	$232
Allstate	$1610	$268

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 $127 in both December and November, indicating no change over the two month period.

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

The car insurance in Waikoloa Village is $29 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 $109 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 $767 for a six-month policy. It will cost around $139 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 USAA, offering $648 for a six-month policy.