Cheapest Car Insurance Quotes in Waimanalo Beach

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Waimanalo Beach 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 Waimanalo Beach

The car insurance rate in Waimanalo Beach is $790 for a six-month policy, which is $23 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $618, making it a popular choice for budget-conscious drivers. Rates in Waimanalo Beach 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 Waimanalo Beach

$790

Avg. Car Insurance in Hawaii

$767

National Average

$1140

Cheapest Car Insurance Companies in Waimanalo Beach

1st place: USAA

At $618 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 $649 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $734 for six months, making it the third cheapest auto insurance company in Waimanalo Beach.

Waimanalo Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Waimanalo Beach, HI is USAA, offering policies at just $618 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $649.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $979 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waimanalo Beach drivers find the best deals.

Cheap Car Insurance Companies in Waimanalo Beach, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$618	$104
Island Insurance Group	$649	$110
Farmers	$734	$124
21st Century	$765	$130
Island	$783	$132
Progressive	$820	$138
State Farm	$832	$140
Tradewinds Insurance	$930	$159
Allstate	$979	$165

Key Takeaways

Way's key takeaways about car insurance in Waimanalo Beach

The auto insurance costs in Waimanalo Beach fall around $618 for six months.
The cheapest auto insurance company in Waimanalo Beach is USAA.
Teen drivers pay the highest rate in Waimanalo Beach at $194 per month.

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Cheapest Minimum Liability Car Insurance in Waimanalo Beach

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 Waimanalo Beach are given below.

USAA provides the cheapest minimum car insurance coverage in Waimanalo Beach. Their Average 6 Month Premium is $165. Progressive is the most expensive at $385 for the same period.

Cheapest Liability Coverage in Waimanalo Beach, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$165	$28
Island Insurance Group	$183	$31
Island	$202	$34
21st Century	$251	$42
Farmers	$256	$43
Allstate	$324	$55
State Farm	$331	$56
Progressive	$385	$65

Cheapest Full Coverage Car Insurance in Waimanalo Beach

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 Waimanalo Beach is USAA at $104 per month and $618 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waimanalo Beach, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$618	$104
Island Insurance Group	$649	$110
Farmers	$734	$124
21st Century	$765	$130
Island	$783	$132
Progressive	$820	$138
State Farm	$832	$140
Tradewinds Insurance	$930	$159
Allstate	$979	$165

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Average Car Insurance in Waimanalo Beach 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 Waimanalo Beach, HI increasing?

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

Car Insurance Premiums by Age in Waimanalo Beach

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	$637
30s	State Farm	$612
40s	State Farm	$612
50s	State Farm	$612
60s	State Farm	$612
70s	State Farm	$612

Cheapest Car Insurance Rates for Teen Drivers in Waimanalo Beach,HI

If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Waimanalo Beach at $36 per month. At $1151 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$214	$36
Island Insurance Group	$410	$69
USAA	$441	$74
Farmers	$471	$79
State Farm	$545	$92
Island	$673	$112
21st Century	$765	$130
Allstate	$1083	$182
Progressive	$1151	$194

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 Waimanalo Beach.

As young drivers face the highest rates in Waimanalo Beach, State Farm offers the cheapest auto insurance rates at $637 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 Waimanalo Beach.

Car Insurance Rates with An Accident in Waimanalo Beach

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

Cheapest Car Insurance Companies after an At-Fault Accident in Waimanalo Beach

The cheapest car insurance companies after an at-fault accident in Waimanalo Beach include Tradewinds Insurance and USAA, offering $281 and $453, respectively. Progressive is an expensive provider with an average six-month premium of $1273.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$281	$47
USAA	$453	$76
Island Insurance Group	$557	$94
Island	$575	$97
State Farm	$606	$102
Farmers	$845	$142
Allstate	$1180	$199
21st Century	$1255	$213
Progressive	$1273	$214

Waimanalo Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Waimanalo Beach HI. For example, the car insurance in Waimanalo Beach after a DUI increases to $1095 for a six month policy. While the rate increases by $85 for a six-month policy in the case of a speeding ticket.

Waimanalo Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$820	$137
One Med/PIP claim	$820	$139
Not-at-fault accident	$832	$139
One comp claim	$832	$141
Two comp claims	$832	$139
Two Med/PIP claims	$832	$141
Failure to wear a seat belt	$863	$144
Failure to show documents	$868	$147
Child safety restraint	$887	$148
Driving with expired registration	$887	$150
Driving without lights	$887	$148
Cell phone violation	$905	$153
Driving too slowly	$905	$151
Failure to stop at a red light	$905	$153
Failure to yield	$905	$151
Following too closely	$905	$153
Illegal turn	$905	$151
Improper passing	$905	$153
Speeding 11 - 15 MPH over limit	$905	$151
Speeding 6 - 10 MPH over limit	$905	$153
Speeding in school zone	$905	$151
Texting while driving	$905	$153
Wrong way/wrong lane	$905	$151
Speeding 16 - 20 MPH over limit	$918	$157
Passing school bus	$961	$160
At-fault accident - less than $1000	$967	$165
Open container	$1034	$172
Operating a vehicle without permission	$1034	$176
At-fault accident - $1000-$2000	$1071	$178
At-fault accident - greater than $2000	$1071	$182
In 65 MPH zone	$1236	$206
Speeding 21 - 25 MPH over limit	$1248	$212
Reckless driving	$1835	$306
Racing	$1885	$320
Driving with a suspended license	$1902	$317
DUI	$1915	$325
Refusal to submit to a chemical test	$1915	$319
Leaving scene of an accident/hit and run	$1958	$333

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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 Waimanalo Beach 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 Waimanalo Beach.

The cheapest car insurance premiums in Waimanalo Beach are offered by Farmers at $697 for a six-month policy. However, it can be as expensive as $6143 with companies like Island Insurance Group.

Waimanalo Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$697	$117
USAA	$881	$148
State Farm	$905	$152
Progressive	$949	$160
21st Century	$1334	$227
Allstate	$2282	$384
Island	$5745	$976
Island Insurance Group	$6143	$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 Waimanalo Beach are offered by Island Insurance Group at $183. However, it can be as expensive as $1536 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Waimanalo Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$183	$31
State Farm	$441	$74
Farmers	$587	$99
USAA	$599	$102
Island	$728	$122
Progressive	$1303	$221
Allstate	$1536	$255

Car Insurance Price Trends in Waimanalo Beach, Hawaii

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

The average cost of full coverage in the Waimanalo Beach remained steady at $122 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Waimanalo Beach remained steady at $42 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 Waimanalo Beach?

The car insurance in Waimanalo Beach is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Waimanalo Beach?

The cheapest car insurance in Waimanalo Beach is $104 per month for full coverage.

How much is car insurance in Waimanalo Beach for teenagers?

Car insurance for teenagers costs $214 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 Waimanalo Beach?

The average cost of car insurance is $767 for a six-month policy. It will cost around $133 per month to insure your car in Waimanalo Beach.

Is car insurance expensive in Waimanalo Beach?

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

What is the best car insurance in Waimanalo Beach, HI?

The best car insurance company in Waimanalo Beach HI is USAA, offering $618 for a six-month policy.