Cheapest Car Insurance Quotes in Wailua Homesteads

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Wailua Homesteads Car Insurance

^$ 23

/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 Wailua Homesteads

The car insurance rate in Wailua Homesteads is $667 for a six-month policy, which is $100 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $522, making it a popular choice for budget-conscious drivers. Rates in Wailua Homesteads 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 Wailua Homesteads

$667

Avg. Car Insurance in Hawaii

$767

National Average

$1140

Cheapest Car Insurance Companies in Wailua Homesteads

1st place: USAA

At $522 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 $548 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $620 for six months, making it the third cheapest auto insurance company in Wailua Homesteads.

Wailua Homesteads Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wailua Homesteads, HI is USAA, offering policies at just $522 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $548.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $827 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wailua Homesteads drivers find the best deals.

Cheap Car Insurance Companies in Wailua Homesteads, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$522	$88
Island Insurance Group	$548	$93
Farmers	$620	$104
21st Century	$646	$110
Island	$661	$111
Progressive	$693	$117
State Farm	$703	$118
Tradewinds Insurance	$786	$134
Allstate	$827	$139

Key Takeaways

Way's key takeaways about car insurance in Wailua Homesteads

The auto insurance costs in Wailua Homesteads fall around $522 for six months.
The cheapest auto insurance company in Wailua Homesteads is USAA.
Teen drivers pay the highest rate in Wailua Homesteads at $164 per month.

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Cheapest Minimum Liability Car Insurance in Wailua Homesteads

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 Wailua Homesteads are given below.

USAA provides the cheapest minimum car insurance coverage in Wailua Homesteads. Their Average 6 Month Premium is $139. Progressive is the most expensive at $325 for the same period.

Cheapest Liability Coverage in Wailua Homesteads, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$139	$23
Island Insurance Group	$155	$26
Island	$171	$29
21st Century	$212	$36
Farmers	$217	$37
Allstate	$274	$46
State Farm	$279	$47
Progressive	$325	$55

Cheapest Full Coverage Car Insurance in Wailua Homesteads

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 Wailua Homesteads is USAA at $88 per month and $522 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wailua Homesteads, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$522	$88
Island Insurance Group	$548	$93
Farmers	$620	$104
21st Century	$646	$110
Island	$661	$111
Progressive	$693	$117
State Farm	$703	$118
Tradewinds Insurance	$786	$134
Allstate	$827	$139

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Average Car Insurance in Wailua Homesteads 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 Wailua Homesteads, HI increasing?

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

Car Insurance Premiums by Age in Wailua Homesteads

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	$538
30s	State Farm	$517
40s	State Farm	$517
50s	State Farm	$517
60s	State Farm	$517
70s	State Farm	$517

Cheapest Car Insurance Rates for Teen Drivers in Wailua Homesteads,HI

If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Wailua Homesteads at $30 per month. At $972 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$181	$30
Island Insurance Group	$346	$58
USAA	$372	$63
Farmers	$398	$67
State Farm	$460	$77
Island	$568	$95
21st Century	$646	$110
Allstate	$914	$154
Progressive	$972	$164

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 Wailua Homesteads.

As young drivers face the highest rates in Wailua Homesteads, State Farm offers the cheapest auto insurance rates at $538 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 Wailua Homesteads.

Car Insurance Rates with An Accident in Wailua Homesteads

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

Cheapest Car Insurance Companies after an At-Fault Accident in Wailua Homesteads

The cheapest car insurance companies after an at-fault accident in Wailua Homesteads include Tradewinds Insurance and USAA, offering $238 and $383, respectively. Progressive is an expensive provider with an average six-month premium of $1075.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$238	$40
USAA	$383	$64
Island Insurance Group	$471	$79
Island	$485	$82
State Farm	$512	$86
Farmers	$713	$120
Allstate	$997	$168
21st Century	$1060	$180
Progressive	$1075	$181

Wailua Homesteads Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wailua Homesteads HI. For example, the car insurance in Wailua Homesteads after a DUI increases to $924 for a six month policy. While the rate increases by $72 for a six-month policy in the case of a speeding ticket.

Wailua Homesteads auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$693	$116
One Med/PIP claim	$693	$117
Not-at-fault accident	$703	$117
One comp claim	$703	$119
Two comp claims	$703	$117
Two Med/PIP claims	$703	$119
Failure to wear a seat belt	$729	$122
Failure to show documents	$733	$124
Child safety restraint	$749	$125
Driving with expired registration	$749	$127
Driving without lights	$749	$125
Cell phone violation	$765	$130
Driving too slowly	$765	$128
Failure to stop at a red light	$765	$130
Failure to yield	$765	$128
Following too closely	$765	$130
Illegal turn	$765	$128
Improper passing	$765	$130
Speeding 11 - 15 MPH over limit	$765	$128
Speeding 6 - 10 MPH over limit	$765	$130
Speeding in school zone	$765	$128
Texting while driving	$765	$130
Wrong way/wrong lane	$765	$128
Speeding 16 - 20 MPH over limit	$775	$132
Passing school bus	$812	$135
At-fault accident - less than $1000	$817	$139
Open container	$873	$145
Operating a vehicle without permission	$873	$149
At-fault accident - $1000-$2000	$905	$151
At-fault accident - greater than $2000	$905	$154
In 65 MPH zone	$1044	$174
Speeding 21 - 25 MPH over limit	$1054	$179
Reckless driving	$1550	$258
Racing	$1592	$271
Driving with a suspended license	$1607	$268
DUI	$1617	$275
Refusal to submit to a chemical test	$1617	$270
Leaving scene of an accident/hit and run	$1654	$281

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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 Wailua Homesteads 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 Wailua Homesteads.

The cheapest car insurance premiums in Wailua Homesteads are offered by Farmers at $589 for a six-month policy. However, it can be as expensive as $5189 with companies like Island Insurance Group.

Wailua Homesteads car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$589	$99
USAA	$744	$125
State Farm	$765	$129
Progressive	$801	$135
21st Century	$1127	$191
Allstate	$1928	$325
Island	$4853	$825
Island Insurance Group	$5189	$865

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 Wailua Homesteads are offered by Island Insurance Group at $155. However, it can be as expensive as $1297 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wailua Homesteads after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$155	$26
State Farm	$372	$63
Farmers	$496	$84
USAA	$506	$86
Island	$615	$103
Progressive	$1101	$187
Allstate	$1297	$216

Car Insurance Price Trends in Wailua Homesteads, Hawaii

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

The average cost of full coverage in the Wailua Homesteads remained steady at $103 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Wailua Homesteads remained steady at $36 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 Wailua Homesteads?

The car insurance in Wailua Homesteads is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Wailua Homesteads?

The cheapest car insurance in Wailua Homesteads is $88 per month for full coverage.

How much is car insurance in Wailua Homesteads for teenagers?

Car insurance for teenagers costs $181 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 Wailua Homesteads?

The average cost of car insurance is $767 for a six-month policy. It will cost around $112 per month to insure your car in Wailua Homesteads.

Is car insurance expensive in Wailua Homesteads?

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

What is the best car insurance in Wailua Homesteads, HI?

The best car insurance company in Wailua Homesteads HI is USAA, offering $522 for a six-month policy.