Compare Waimea, HI Car Insurance Rates (2021)

Car insurance in Waimea, HI averages $183 a month. Waimea, Hawaii car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Waimea car insurance rates, compare quotes from the top car insurance companies in Waimea, 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 ZIP code in Waimea is 96796
  • Average car insurance rates in Waimea, HI are $2,199/year
  • The cheapest car insurance company in Waimea is State Farm

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

You’ll find Waimea car insurance rates, the cheapest Waimea, HI car insurance companies, and information on Hawaii car insurance laws. You can also compare Waimea, Hawaii car insurance rates to Hawaii National Park car insurance rates, Volcano car insurance rates, and Hauula car insurance rates.

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

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

How do age, gender, and marital status affect Waimea, HI car insurance rates? Every Waimea, 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 Waimea, 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 $1,779 $1,779 $1,779 $1,779 $1,779 $1,779 $1,779 $1,779
Farmers $3,982 $3,982 $3,982 $3,982 $4,340 $4,340 $3,982 $3,982
GEICO $3,065 $3,065 $3,065 $3,065 $3,065 $3,065 $3,065 $3,065
Liberty Mutual $2,617 $2,617 $2,617 $2,617 $2,648 $2,648 $2,617 $2,617
Progressive $1,777 $1,777 $1,777 $1,777 $2,511 $2,511 $1,777 $1,777
State Farm $894 $894 $894 $894 $894 $894 $894 $894
USAA $984 $984 $984 $984 $1,029 $1,029 $984 $984

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Minimum Car Insurance in Waimea, HI

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

Minimum Required Car Insurance Coverage in Waimea, 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 Waimea, 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 Waimea, HI to rates for a clean record with top companies.

Annual Waimea, Hawaii Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $1,094 $1,592 $2,939 $1,488
Farmers $1,968 $2,933 $9,417 $1,968
GEICO $1,298 $1,680 $7,983 $1,298
Liberty Mutual $1,412 $1,759 $5,569 $1,759
Progressive $1,481 $2,092 $2,345 $1,925
State Farm $818 $970 $894 $894
USAA $759 $930 $1,499 $794

Cheapest Waimea, HI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waimea, Hawaii

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $1,779 $1,779
Farmers $4,340 $4,340
GEICO $3,065 $3,065
Liberty Mutual $2,648 $2,648
Progressive $2,511 $2,511
State Farm $894 $894
USAA $1,029 $1,029

Cheapest Waimea, HI Car Insurance for Seniors

Take a look at Waimea, 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 Waimea, Hawaii

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,779 $1,779
Farmers $3,982 $3,982
GEICO $3,065 $3,065
Liberty Mutual $2,617 $2,617
Progressive $1,777 $1,777
State Farm $894 $894
USAA $984 $984

Cheapest Waimea, HI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waimea, Hawaii

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $2,939
Farmers $9,417
GEICO $7,983
Liberty Mutual $5,569
Progressive $2,345
State Farm $894
USAA $1,499

Cheapest Waimea, HI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waimea, Hawaii

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $1,664 $1,893
Farmers $4,072 $4,072
GEICO $3,065 $3,065
Liberty Mutual $2,625 $2,625
Progressive $1,961 $1,961
State Farm $894 $894
USAA $995 $995

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Cheapest Waimea, HI Car Insurance Rates by ZIP Code

Waimea car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Waimea, HI.

Annual Car Insurance Rates by ZIP Code in Waimea, Hawaii

ZIP Code Average Annual Rates
96743 $2,859
96796 $2,199

The Best Cheap Car Insurance Companies in Waimea, HI

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

Average Annual Car Insurance Rates by Company in Waimea, Hawaii

Insurance Company Average Annual Rates
Allstate $1,779
Farmers $4,072
GEICO $3,065
Liberty Mutual $2,625
Progressive $1,961
State Farm $894
USAA $995

Category Winners: Cheapest Car Insurance in Waimea, Hawaii

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

Best Annual Car Insurance Rates by Company in Waimea, 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

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Cheapest Waimea, HI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Waimea, Hawaii

Insurance Company Low Medium High
Allstate $1,666 $1,781 $1,889
Farmers $3,928 $4,098 $4,189
GEICO $2,936 $3,086 $3,174
Liberty Mutual $2,635 $2,481 $2,758
Progressive $1,813 $1,961 $2,109
State Farm $832 $896 $955
USAA $944 $995 $1,048

What affects car insurance rates in Waimea, Hawaii?

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

Commute Time in Waimea

The more time you spend in your car the higher the risk of an accident. The average commute length in Waimea, HI is 23.4 minutes according to City-Data.

Compare Car Insurance Quotes in Waimea, HI

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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