Cheapest Car Insurance Quotes in Whitmore Village

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Whitmore Village Car Insurance

^$ 27

/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 Whitmore Village

The car insurance rate in Whitmore Village is $775 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $606, making it a popular choice for budget-conscious drivers. Rates in Whitmore 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 Whitmore Village

$775

Avg. Car Insurance in Hawaii

$767

National Average

$1140

Cheapest Car Insurance Companies in Whitmore Village

1st place: USAA

At $606 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 $636 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $720 for six months, making it the third cheapest auto insurance company in Whitmore Village.

Whitmore Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Whitmore Village, HI is USAA, offering policies at just $606 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $636.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $960 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Whitmore Village drivers find the best deals.

Cheap Car Insurance Companies in Whitmore Village, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$606	$102
Island Insurance Group	$636	$108
Farmers	$720	$121
21st Century	$750	$127
Island	$768	$129
Progressive	$804	$135
State Farm	$816	$137
Tradewinds Insurance	$912	$156
Allstate	$960	$162

Key Takeaways

Way's key takeaways about car insurance in Whitmore Village

The auto insurance costs in Whitmore Village fall around $606 for six months.
The cheapest auto insurance company in Whitmore Village is USAA.
Teen drivers pay the highest rate in Whitmore Village at $190 per month.

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Cheapest Minimum Liability Car Insurance in Whitmore 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 Whitmore Village are given below.

USAA provides the cheapest minimum car insurance coverage in Whitmore Village. Their Average 6 Month Premium is $162. Progressive is the most expensive at $378 for the same period.

Cheapest Liability Coverage in Whitmore Village, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$162	$27
Island Insurance Group	$180	$30
Island	$198	$33
21st Century	$246	$41
Farmers	$251	$42
Allstate	$318	$54
State Farm	$324	$55
Progressive	$378	$64

Cheapest Full Coverage Car Insurance in Whitmore 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 Whitmore Village is USAA at $102 per month and $606 for six months.

Cheapest Full Coverage Car Insurance Quotes in Whitmore Village, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$606	$102
Island Insurance Group	$636	$108
Farmers	$720	$121
21st Century	$750	$127
Island	$768	$129
Progressive	$804	$135
State Farm	$816	$137
Tradewinds Insurance	$912	$156
Allstate	$960	$162

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Average Car Insurance in Whitmore 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 Whitmore Village, HI increasing?

Despite maintaining a clean driving record, your car insurance rates in Whitmore 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, Whitmore 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 Whitmore 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	$624
30s	State Farm	$600
40s	State Farm	$600
50s	State Farm	$600
60s	State Farm	$600
70s	State Farm	$600

Cheapest Car Insurance Rates for Teen Drivers in Whitmore 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 Whitmore Village at $35 per month. At $1128 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$210	$35
Island Insurance Group	$402	$68
USAA	$432	$73
Farmers	$462	$78
State Farm	$534	$90
Island	$660	$110
21st Century	$750	$127
Allstate	$1062	$179
Progressive	$1128	$190

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 Whitmore Village.

As young drivers face the highest rates in Whitmore Village, State Farm offers the cheapest auto insurance rates at $624 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 Whitmore 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 Whitmore Village, HI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Whitmore Village include Tradewinds Insurance and USAA, offering $276 and $444, respectively. Progressive is an expensive provider with an average six-month premium of $1248.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$276	$46
USAA	$444	$75
Island Insurance Group	$546	$92
Island	$564	$95
State Farm	$594	$100
Farmers	$828	$139
Allstate	$1157	$195
21st Century	$1230	$209
Progressive	$1248	$210

Whitmore Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Whitmore Village HI. For example, the car insurance in Whitmore Village after a DUI increases to $1074 for a six month policy. While the rate increases by $84 for a six-month policy in the case of a speeding ticket.

Whitmore Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$804	$134
One Med/PIP claim	$804	$136
Not-at-fault accident	$816	$136
One comp claim	$816	$138
Two comp claims	$816	$136
Two Med/PIP claims	$816	$138
Failure to wear a seat belt	$846	$141
Failure to show documents	$851	$144
Child safety restraint	$870	$145
Driving with expired registration	$870	$147
Driving without lights	$870	$145
Cell phone violation	$888	$150
Driving too slowly	$888	$148
Failure to stop at a red light	$888	$150
Failure to yield	$888	$148
Following too closely	$888	$150
Illegal turn	$888	$148
Improper passing	$888	$150
Speeding 11 - 15 MPH over limit	$888	$148
Speeding 6 - 10 MPH over limit	$888	$150
Speeding in school zone	$888	$148
Texting while driving	$888	$150
Wrong way/wrong lane	$888	$148
Speeding 16 - 20 MPH over limit	$900	$154
Passing school bus	$942	$157
At-fault accident - less than $1000	$948	$162
Open container	$1014	$169
Operating a vehicle without permission	$1014	$173
At-fault accident - $1000-$2000	$1050	$175
At-fault accident - greater than $2000	$1050	$179
In 65 MPH zone	$1212	$202
Speeding 21 - 25 MPH over limit	$1224	$208
Reckless driving	$1800	$300
Racing	$1848	$314
Driving with a suspended license	$1865	$311
DUI	$1878	$319
Refusal to submit to a chemical test	$1878	$313
Leaving scene of an accident/hit and run	$1920	$326

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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 Whitmore 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 Whitmore Village.

The cheapest car insurance premiums in Whitmore Village are offered by Farmers at $684 for a six-month policy. However, it can be as expensive as $6024 with companies like Island Insurance Group.

Whitmore Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$684	$115
USAA	$864	$145
State Farm	$888	$149
Progressive	$930	$157
21st Century	$1308	$222
Allstate	$2238	$377
Island	$5634	$957
Island Insurance Group	$6024	$1004

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 Whitmore Village are offered by Island Insurance Group at $180. However, it can be as expensive as $1506 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Whitmore Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$180	$30
State Farm	$432	$73
Farmers	$576	$97
USAA	$588	$100
Island	$714	$119
Progressive	$1278	$217
Allstate	$1506	$250

Car Insurance Price Trends in Whitmore Village, Hawaii

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

The average cost of full coverage in the Whitmore Village remained steady at $119 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Whitmore Village remained steady at $41 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

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Principal

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Frequently Asked Questions

How much is car insurance in Whitmore Village?

The car insurance in Whitmore Village is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Whitmore Village?

The cheapest car insurance in Whitmore Village is $102 per month for full coverage.

How much is car insurance in Whitmore Village for teenagers?

Car insurance for teenagers costs $210 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 Whitmore Village?

The average cost of car insurance is $767 for a six-month policy. It will cost around $130 per month to insure your car in Whitmore Village.

Is car insurance expensive in Whitmore Village?

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

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

The best car insurance company in Whitmore Village HI is USAA, offering $606 for a six-month policy.