Wahiawa, HI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Wahiawa, HI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Wahiawa, HI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Wahiawa, HI Auto Insurance Rates
- Wahiawa, HI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Wahiawa, HI
- Multi Vehicle Insurance Savings in Wahiawa, HI
- How Credit Score Affects Car Insurance Rates in Wahiawa, HI
- How DUI Affects Auto Insurance Premiums in Wahiawa, HI
- Top Auto Insurance Agents Near Wahiawa, HI
- How Driving Violations Affect Auto Insurance Rates in Wahiawa, HI
- Wahiawa, HI Auto Insurance Discounts on Anti Theft Feature
- Wahiawa, HI Auto Insurance Company Reviews
Wahiawa, HI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Wahiawa, HI with that of other cities in and around Wahiawa.
| Wahiawa | Mililani Town | Whitmore Village | Waipio | Mililani Mauka | Wheeler AFB | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,085 | $1,098 | $1,397 | $1,400 | $1,108 | $1,565 |
Wahiawa, HI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Wahiawa, HI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Wahiawa | $1,676 | $1,415 |
| Whitmore Village | $1,532 | $1,294 |
| Wheeler AFB | $1,860 | $1,571 |
| Waipio Acres | $1,788 | $1,510 |
| Schofield Barracks | $1,839 | $1,553 |
| Mililani Mauka | $2,103 | $1,777 |
| Mililani Town | $1,109 | $937 |
| Waipio | $1,793 | $1,515 |
Wahiawa, HI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Wahiawa, HI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,521 |
| 20 Years | $1,394 |
| 30 Years | $1,074 |
| 40 Years | $1,033 |
| 50 Years | $957 |
| 60 Years | $970 |
| 70 Years | $1,129 |
Wahiawa, HI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Wahiawa, HI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,888 | $282 |
| 3 Vehicles | $2,832 | $423 |
| 4 Vehicles | $3,776 | $564 |
Savings on 2 Vehicles bundle:$282
Savings on 3 Vehicles bundle:$423
Savings on 4 Vehicles bundle:$564
Wahiawa, HI Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Wahiawa, HI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Wahiawa | $1,085 | $3,832 |
| Whitmore Village | $1,397 | $4,933 |
| Wheeler AFB | $1,565 | $5,527 |
| Waipio Acres | $1,058 | $3,736 |
| Schofield Barracks | $1,547 | $5,463 |
| Mililani Mauka | $1,108 | $3,913 |
| Mililani Town | $1,098 | $3,878 |
| Waipio | $1,400 | $4,944 |
Wahiawa, HI Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $931 |
| Excellent (740-799) | $1,063 |
| Good (670-739) | $1,131 |
| Average (580-669) | $1,475 |
| Poor (300-579) | $1,770 |
Wahiawa, HI Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Dee Ann Lee | State Farm | 600 Kapiolani Blvd Ste 210, Honolulu, 96813-5139 | 808-599-7666 |
| Jay Kaneshige | State Farm | 98-1277 Kaahumanu St Ste 115, Aiea, 96701-5318 | 808-487-3335 |
| Toni Lathrop-Lee | State Farm | 95-1249 Meheula Pkwy Ste 140, Mililani, 96789-1788 | 808-627-0597 |
| Rosten Tsuha | State Farm | 1314 S King St Ste 318, Honolulu, 96814-2004 | 808-591-5545 |
| Evans L. Taylor | Allstate | 800 S Beretania St Ste 260, Honolulu, 96813 | (808) 381-1222 |
| Kai Chen | Liberty Mutual | 711 Kapiolani Blvd Ste 1100, Honolulu, 96813 | 1-808-589-8920 |
| Vaclav Penkava | Allstate | 210 Ward Ave Ste 216, Honolulu, 96814 | (808) 536-0780 |
Wahiawa, HI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$48 | $1,133 |
| Driver's Failure In Showing Documents | +$105 | $1,190 |
| Driving With An Expired Registration | +$112 | $1,197 |
| Driving At A Considerably Slow Pace | +$235 | $1,320 |
| Using A Cellphone While Driving | +$248 | $1,333 |
| Running A Red Light | +$253 | $1,338 |
| Speeding | +$266 | $1,351 |
| Driving A Vehicle Without The Required Permission | +$337 | $1,422 |
| Driving With An Expired/Suspended License | +$731 | $1,816 |
Wahiawa, HI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,042 |
| Active Disabling Device | $1,042 |
| Tracking Device | $1,020 |
| Passive Disabling Device | $1,009 |
Latest Auto Insurance Reviews in Wahiawa, HI | Back to Top
GeicoThey were really great when my car got bumped. The whole process was pain free. Everyone is very friendly and helpful.
ProgressiveI have a very fair premium considering my age.I could even lower the premium more if I chose to take some additional refresher driver training which at this time is not necessary.
State FarmThe deductible is based off your choice. It really depends how much you want to pay for the insurance. They offer several different policies for each budget.
GeicoI will surely recommend GEICO insurance company because they give excellent service and attend to customer without not wasting of time.
ProgressiveThey are pretty much the same as every other auto/vehicle insurance company. They start you out at a reasonable rate and will jack up the price when its time to pay a premium but they will work with you.
AllstateWe have had Allstate for over 10 years, so we haven't recently researched other companies, but are confident in the fact that Allstate offers great service/price in comparison to other companies.
Erie Insurancemulti vehicle policy coverage is better than the competition that was shopped and more affordable
AllstateThe customer service was impeccable. My agent went over my policy and helped me look for discounts in order to lower my premium. We spent almost an hour on the phone.
TravelersThey are very helpful every time I call them when I have. The reps are knowledgable and assist fully.
TravelersThey are very helpful every time I call them when I have. The reps are knowledgable and assist fully.
Allstatepolicy offerings im not sure about, the price was our determining factor in the purchase, state farm was much higher
GeicoI don't really have any dislikes; I am waiting for my car to be paid off so that I may be able to lower my premium but that's just me.