Cheapest Car Insurance Quotes in Wailua Homesteads

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408,850 Policies Sold

Wailua Homesteads Car Insurance

^$ 28

/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 $781 for a six-month policy, which is $24 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $611, 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

$781

Avg. Car Insurance in Hawaii

$805

National Average

$1278

Cheapest Car Insurance Companies in Wailua Homesteads

1st place: Island Insurance Group

At $611 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 $611 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $715 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 Island Insurance Group, offering policies at just $611 for a six-month term. This is followed by USAA, which has an average six-month premium of $611.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1019 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
Island Insurance Group	$611	$104
USAA	$611	$103
Farmers	$715	$120
21st Century	$721	$120
Progressive	$772	$130
Island	$835	$140
State Farm	$870	$146
Tradewinds Insurance	$876	$146
Allstate	$1019	$172

Key Takeaways

Way's key takeaways about car insurance in Wailua Homesteads

The auto insurance costs in Wailua Homesteads fall around $611 for six months.
The cheapest auto insurance company in Wailua Homesteads is USAA.
Teen drivers pay the highest rate in Wailua Homesteads at $106 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 $167. Progressive is the most expensive at $329 for the same period.

Cheapest Liability Coverage in Wailua Homesteads, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$167	$28
Island	$173	$29
Island Insurance Group	$173	$29
21st Century	$237	$40
Farmers	$237	$40
State Farm	$294	$49
Allstate	$311	$52
Progressive	$329	$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 Island Insurance Group at $104 per month and $611 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wailua Homesteads, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$611	$104
USAA	$611	$103
Farmers	$715	$120
21st Century	$721	$120
Progressive	$772	$130
Island	$835	$140
State Farm	$870	$146
Tradewinds Insurance	$876	$146
Allstate	$1019	$172

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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	$550
30s	State Farm	$529
40s	State Farm	$529
50s	State Farm	$529
60s	State Farm	$529
70s	State Farm	$529

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 $34 per month. At $633 for a six-month premium, Island offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$202	$34
Island Insurance Group	$386	$65
USAA	$449	$76
Farmers	$467	$79
State Farm	$599	$101
21st Century	$721	$120
Progressive	$1083	$182
Allstate	$1164	$196
Island	$633	$106

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 $550 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 Island and Tradewinds Insurance, offering $231 and $265, respectively. Allstate is an expensive provider with an average six-month premium of $1268.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island	$231	$39
Tradewinds Insurance	$265	$45
USAA	$461	$78
Island Insurance Group	$525	$88
State Farm	$657	$111
Farmers	$841	$142
21st Century	$1181	$197
Progressive	$1199	$202
Allstate	$1268	$213

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 $1031 for a six month policy. While the rate increases by $81 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	$772	$129
One Med/PIP claim	$772	$131
Not-at-fault accident	$784	$131
One comp claim	$784	$133
Two comp claims	$784	$131
Two Med/PIP claims	$784	$133
Failure to wear a seat belt	$813	$136
Failure to show documents	$818	$139
Child safety restraint	$835	$140
Driving with expired registration	$835	$142
Driving without lights	$835	$140
Cell phone violation	$853	$145
Driving too slowly	$853	$143
Failure to stop at a red light	$853	$145
Failure to yield	$853	$143
Following too closely	$853	$145
Illegal turn	$853	$143
Improper passing	$853	$145
Speeding 11 - 15 MPH over limit	$853	$143
Speeding 6 - 10 MPH over limit	$853	$145
Speeding in school zone	$853	$143
Texting while driving	$853	$145
Wrong way/wrong lane	$853	$143
Speeding 16 - 20 MPH over limit	$864	$147
Passing school bus	$905	$150
At-fault accident - less than $1000	$911	$155
Open container	$974	$162
Operating a vehicle without permission	$974	$166
At-fault accident - $1000-$2000	$1009	$168
At-fault accident - greater than $2000	$1009	$172
In 65 MPH zone	$1164	$194
Speeding 21 - 25 MPH over limit	$1176	$200
Reckless driving	$1729	$288
Racing	$1775	$302
Driving with a suspended license	$1792	$299
DUI	$1803	$307
Refusal to submit to a chemical test	$1803	$301
Leaving scene of an accident/hit and run	$1844	$313

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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 $686 for a six-month policy. However, it can be as expensive as $5411 with companies like Island.

Wailua Homesteads car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$686	$115
Progressive	$893	$150
USAA	$905	$152
State Farm	$1060	$178
21st Century	$1256	$213
Allstate	$2385	$402
Island Insurance Group	$5785	$984
Island	$5411	$920

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 $173. However, it can be as expensive as $686 with companies like Island 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	$173	$29
Farmers	$588	$99
State Farm	$611	$103
USAA	$680	$113
Progressive	$1227	$209
Allstate	$1867	$311
Island	$686	$114

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 $125 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Wailua Homesteads remained steady at $39 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 Wailua Homesteads?

The car insurance in Wailua Homesteads is $28 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 $104 per month for full coverage.

How much is car insurance in Wailua Homesteads for teenagers?

Car insurance for teenagers costs $202 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 $805 for a six-month policy. It will cost around $131 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 Island Insurance Group, offering $611 for a six-month policy.