Compare Lanai City, HI Car Insurance Rates (2021)

Car insurance in Lanai City, HI averages $189 a month. Lanai City, Hawaii car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Lanai City car insurance rates, compare quotes from the top car insurance companies in Lanai City, HI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Lanai City is State Farm
  • Average car insurance rates in Lanai City, HI after a DUI are $4,522/year
  • Average car insurance rates in Lanai City, HI are $2,263/year

If you need to buy Lanai City, Hawaii car insurance, the options can be confusing. Everything you need to know about car insurance in Lanai City, HI is right here.

You’ll find Lanai City car insurance rates, the cheapest Lanai City, HI car insurance companies, and information on Hawaii car insurance laws. You can also compare Lanai City, Hawaii car insurance rates to Kilauea car insurance rates, Hanapepe car insurance rates, and Royal Kunia car insurance rates.

Ready to find affordable Lanai City, HI car insurance today? Enter your ZIP code for fast, free Lanai City car insurance quotes.

Cheapest Lanai City, HI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lanai City, HI car insurance rates? Every Lanai City, Hawaii car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lanai City, Hawaii

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,117 $2,117 $2,117 $2,117 $2,117 $2,117 $2,117 $2,117
Farmers $3,323 $3,323 $3,323 $3,323 $3,619 $3,619 $3,323 $3,323
GEICO $3,348 $3,348 $3,348 $3,348 $3,348 $3,348 $3,348 $3,348
Liberty Mutual $3,130 $3,130 $3,130 $3,130 $3,169 $3,169 $3,130 $3,130
Progressive $1,520 $1,520 $1,520 $1,520 $2,128 $2,128 $1,520 $1,520
State Farm $1,075 $1,075 $1,075 $1,075 $1,075 $1,075 $1,075 $1,075
USAA $1,084 $1,084 $1,084 $1,084 $1,131 $1,131 $1,084 $1,084

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Minimum Car Insurance in Lanai City, HI

Every driver must carry the minimum car insurance in Lanai City, HI. Take a look at the Hawaii car insurance requirements.

Minimum Required Car Insurance Coverage in Lanai City, Hawaii

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Lanai City, HI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lanai City, HI to rates for a clean record with top companies.

Annual Lanai City, Hawaii Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $1,261 $1,857 $3,618 $1,730
Farmers $1,654 $2,453 $7,827 $1,654
GEICO $1,410 $1,829 $8,743 $1,410
Liberty Mutual $1,650 $2,076 $6,756 $2,076
Progressive $1,284 $1,780 $1,983 $1,642
State Farm $982 $1,168 $1,075 $1,075
USAA $832 $1,029 $1,650 $870

Cheapest Lanai City, HI Car Insurance for Teen Drivers

Teen car insurance in Lanai City, HI can be expensive. Take a look at rates from the top car insurance companies in Lanai City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lanai City, Hawaii

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $2,117 $2,117
Farmers $3,619 $3,619
GEICO $3,348 $3,348
Liberty Mutual $3,169 $3,169
Progressive $2,128 $2,128
State Farm $1,075 $1,075
USAA $1,131 $1,131

Cheapest Lanai City, HI Car Insurance for Seniors

Take a look at Lanai City, HI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lanai City, Hawaii

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,117 $2,117
Farmers $3,323 $3,323
GEICO $3,348 $3,348
Liberty Mutual $3,130 $3,130
Progressive $1,520 $1,520
State Farm $1,075 $1,075
USAA $1,084 $1,084

Cheapest Lanai City, HI Car Insurance Rates After a DUI

A DUI in Lanai City, HI increases car insurance rates. Compare Lanai City, Hawaii DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lanai City, Hawaii

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,618
Farmers $7,827
GEICO $8,743
Liberty Mutual $6,756
Progressive $1,983
State Farm $1,075
USAA $1,650

Cheapest Lanai City, HI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lanai City, HI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lanai City, Hawaii

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $1,983 $2,251
Farmers $3,397 $3,397
GEICO $3,348 $3,348
Liberty Mutual $3,139 $3,139
Progressive $1,672 $1,672
State Farm $1,075 $1,075
USAA $1,096 $1,096

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The Best Cheap Car Insurance Companies in Lanai City, HI

Take a look at a side-by-side comparison of the top car insurance companies in Lanai City, HI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lanai City, Hawaii

Insurance Company Average Annual Rates
Allstate $2,117
Farmers $3,397
GEICO $3,348
Liberty Mutual $3,139
Progressive $1,672
State Farm $1,075
USAA $1,096

Category Winners: Cheapest Car Insurance in Lanai City, Hawaii

Find the cheapest car insurance companies in Lanai City, HI for each category right here.

Best Annual Car Insurance Rates by Company in Lanai City, Hawaii

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Lanai City, HI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lanai City car insurance rates. Find the cheapest Lanai City, HI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lanai City, Hawaii

Insurance Company Low Medium High
Allstate $1,965 $2,122 $2,263
Farmers $3,264 $3,423 $3,505
GEICO $3,186 $3,372 $3,486
Liberty Mutual $3,127 $2,960 $3,331
Progressive $1,527 $1,671 $1,818
State Farm $1,001 $1,078 $1,146
USAA $1,033 $1,095 $1,159

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What affects car insurance rates in Lanai City, Hawaii?

What factors can have an impact on Lanai City, HI car insurance? There are several reasons why Lanai City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lanai City, Hawaii.

Commute Time in Lanai City

The more time you spend in your car the higher the risk of an accident. The average commute length in Lanai City, HI is 11.0 minutes according to City-Data.

Compare Car Insurance Quotes in Lanai City, HI

Ready to find affordable Lanai City, Hawaii car insurance today? Enter your ZIP code for fast, free Lanai City, HI car insurance quotes.

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