AutoQuote Hub

Car Insurance Quotes in Waipahu, HI

Full coverage / year
$1,368
State minimum / year
$474
Typical quote range
$971 – $1,887

Drivers in Waipahu pay an estimated $1,368 a year for full coverage car insurance, or about $114 a month. That is around 6% below the Hawaii average, helped by lighter traffic and below-average claim frequency. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.

Advertisement

Car insurance calculator — Waipahu, HI

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$114/ month
$1,368 per year · carriers in Waipahu, HI typically quote $971 – $1,887
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Waipahu, HI

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,040$87-24%Military members and families only
Geico$1,122$94-18%Usually cheapest for clean records
State Farm$1,204$100-12%Strong for young and student drivers
Progressive$1,300$108-5%Competitive after a ticket or accident
Travelers$1,327$111-3%Good multi-policy discounts
Nationwide$1,368$1140%Mid-market, wide availability
Allstate$1,560$130+14%Higher base rate, heavy discount stacking
Farmers$1,655$138+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Waipahu, HI. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Waipahu

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$3,694$1,281$308
18 years old$3,116$1,080$260
20 years old$2,580$895$215
22 years old$2,143$743$179
25 years old$1,636$567$136
30 years old$1,410$489$118
40 years old$1,325$459$110
50 years old$1,269$440$106
60 years old$1,255$435$105
65 years old$1,311$455$109
70 years old$1,438$499$120
75 years old$1,678$582$140

Estimated premiums by age in Waipahu, HI, clean record, sedan.

What a ticket, accident or DUI costs in Waipahu

Driving recordEst. annualIncrease
Clean record$1,368—
1 speeding ticket$1,682+23%
1 at-fault accident$2,011+47%
DUI / DWI$2,585+89%

What a violation costs a 35-year-old in Waipahu, HI. Surcharges normally stay on the policy for three to five years.

Advertisement

Minimum car insurance requirements in Hawaii

Every driver registering a vehicle in Hawaii must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Hawaii Department of Insurance.

Required coverage in HawaiiMinimum limit
Bodily injury liability, per person$20,000
Bodily injury liability, per accident$40,000
Property damage liability$10,000
PIP $10,000Required
Insurance systemNo-fault

Coverage levels compared in Waipahu

Coverage levelEst. annualEst. monthly
State minimum liability$474$40
Full coverage (100/300/100 + comp & collision)$1,368$114
Full coverage, high limits + low deductible$1,628$136

Coverage level comparison for Waipahu, HI.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Waipahu

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Waipahu covers 96797 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Waipahu, HI?
Full coverage in Waipahu is estimated at $1,368 a year ($114 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $474 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Hawaii?
Hawaii requires at least $20,000 bodily injury per person, $40,000 per accident and $10,000 property damage, plus pip $10,000. Hawaii is a no-fault state, so your own policy pays your initial medical costs regardless of who caused the crash.
▸Who has the cheapest car insurance in Waipahu?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Waipahu for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Waipahu?
An 18-year-old in Waipahu is estimated at $3,116 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Waipahu?
A DUI takes the estimate from $1,368 to about $2,585 a year in Waipahu, an increase of roughly 89%. Hawaii drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Waipahu?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
Advertisement

Car insurance in nearby cities

Pearl City'Ewa GentryJoint Base Pearl Harbor HickamKapoleiMililani TownKapolei VillagesMakakiloMakakilo City

Comparing more of Hawaii? See every Hawaii city we price or read the cheap car insurance guide for Waipahu.