Waianae, HI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Waianae, 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 Waianae, 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.
- Waianae, HI Auto Insurance Rates
- Waianae, HI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Waianae, HI
- Multi Vehicle Insurance Savings in Waianae, HI
- How Credit Score Affects Car Insurance Rates in Waianae, HI
- How DUI Affects Auto Insurance Premiums in Waianae, HI
- Top Auto Insurance Agents Near Waianae, HI
- How Driving Violations Affect Auto Insurance Rates in Waianae, HI
- Waianae, HI Auto Insurance Discounts on Anti Theft Feature
- Waianae, HI Auto Insurance Company Reviews
Waianae, HI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Waianae, HI with that of other cities in and around Waianae.
| Waianae | Mokuleia | Makaha | Makaha Valley | Schofield Barracks | Maili | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,054 | $1,094 | $1,062 | $1,016 | $1,547 | $1,068 |
Waianae, 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 Waianae, 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) |
|---|---|---|
| Waianae | $1,557 | $1,315 |
| Honolulu County | $1,652 | $1,395 |
| Makaha | $1,941 | $1,639 |
| Makaha Valley | $1,446 | $1,221 |
| Maili | $1,953 | $1,650 |
| Nanakuli | $1,001 | $846 |
| Mokuleia | $1,889 | $1,596 |
| Schofield Barracks | $1,839 | $1,553 |
Waianae, HI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Waianae, 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 | $3,420 |
| 20 Years | $1,354 |
| 30 Years | $1,043 |
| 40 Years | $1,004 |
| 50 Years | $929 |
| 60 Years | $942 |
| 70 Years | $1,097 |
Waianae, HI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Waianae, 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 | $1,834 | $274 |
| 3 Vehicles | $2,751 | $411 |
| 4 Vehicles | $3,668 | $548 |
Savings on 2 Vehicles bundle:$274
Savings on 3 Vehicles bundle:$411
Savings on 4 Vehicles bundle:$548
Waianae, 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 Waianae, HI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Waianae | $1,054 | $3,722 |
| Honolulu County | $1,105 | $3,902 |
| Makaha | $1,062 | $3,750 |
| Makaha Valley | $1,016 | $3,588 |
| Maili | $1,068 | $3,772 |
| Nanakuli | $1,043 | $3,683 |
| Mokuleia | $1,094 | $3,863 |
| Schofield Barracks | $1,547 | $5,463 |
Waianae, 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) | $904 |
| Excellent (740-799) | $1,032 |
| Good (670-739) | $1,098 |
| Average (580-669) | $1,433 |
| Poor (300-579) | $1,719 |
Waianae, 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 |
|---|---|---|---|
| Frelynn Kahalehili | State Farm | 91-902 Fort Weaver Rd Ste 103, Ewa Beach, 96706-2261 | 808-689-7700 |
| Mark Middleton | State Farm | 2176 Lauwiliwili St Ste 3, Kapolei, 96707-1882 | 808-674-1122 |
| Caleb Yamanaka | State Farm | 99-080 Kauhale St Ste B5, Aiea, 96701-4116 | 808-485-5701 |
| Jeremy Dunaway | State Farm | 823 California Ave Ste A9, Wahiawa, 96786-2046 | 808-622-4444 |
| Shelli Toguchi-Hadley | State Farm | 4510 Salt Lake Blvd Ste D15, Honolulu, 96818-3142 | 808-486-1111 |
| John Huey | State Farm | 1001 Kamokila Blvd, Kapolei, 96707-2016 | 808-674-6655 |
| Ashley Kekaualua Lutcf | Liberty Mutual | 711 Kapiolani Blvd Ste 1100, Honolulu, 96813 | 1-808-589-8920 |
| Cindy Perkins | State Farm | 1313 S Beretania St Ste 100, Honolulu, 96814-1807 | 808-593-8221 |
| Hawaii Usa Federal Credit Union | None | 1226 College Walk, Honolulu, 96817 | None |
| Insurance Associates Inc | Travelers | 800 BETHEL STREET SUITE 200, HONOLULU, 96813 | 808-538-6938 |
Waianae, 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 | +$46 | $1,100 |
| Driver's Failure In Showing Documents | +$102 | $1,156 |
| Driving With An Expired Registration | +$109 | $1,163 |
| Driving At A Considerably Slow Pace | +$229 | $1,283 |
| Using A Cellphone While Driving | +$241 | $1,295 |
| Running A Red Light | +$246 | $1,300 |
| Speeding | +$258 | $1,312 |
| Driving A Vehicle Without The Required Permission | +$328 | $1,382 |
| Driving With An Expired/Suspended License | +$710 | $1,764 |
Waianae, 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 | $1,012 |
| Active Disabling Device | $1,012 |
| Tracking Device | $991 |
| Passive Disabling Device | $980 |
Latest Auto Insurance Reviews in Waianae, HI | Back to Top
ProgressiveThe policy offerings that progressive insurance has are excellent. I am especially a fan of the optional roadside assistance offer. I've only ever had to use it once but they one time made it all worth it.
State FarmI have been with State Farm a very long time and have dealt with them on many occations and always been well pleased.
State FarmMechanical breakdown insurance helps cover the cost of repairs that aren’t covered by your car’s warranty. The Hartford is the only one of our top picks that includes this coverage.