Waipahu, HI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Waipahu, 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 Waipahu, 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.

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Waipahu, HI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Waipahu, HI with that of other cities in and around Waipahu.

	Waipahu	Waikele	Ewa Villages	West Loch Estate	Ewa	Ewa Gentry
Average Insurance Rates	$1,094	$1,388	$1,392	$1,405	$1,203	$1,396

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Waipahu, 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 Waipahu, 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)
Waipahu	$1,582	$1,336
Waikele	$1,714	$1,448
Ewa	$1,127	$952
West Loch Estate	$2,691	$2,273
Royal Kunia	$1,996	$1,686
Waipio	$1,793	$1,515
Ewa Villages	$2,458	$2,076
Ewa Gentry	$1,944	$1,642

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Waipahu, HI Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Waipahu, 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	$3,550
20 Years	$1,406
30 Years	$1,083
40 Years	$1,042
50 Years	$965
60 Years	$978
70 Years	$1,139

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Waipahu, HI Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Waipahu, 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	$1,860	$328
3 Vehicles	$2,790	$492
4 Vehicles	$3,720	$656

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Waipahu, 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 Waipahu, HI.

Location	Average Insurance Cost	Post DUI Insurance Rate
Waipahu	$1,094	$3,863
Waikele	$1,388	$4,902
Ewa	$1,203	$4,248
West Loch Estate	$1,405	$4,962
Royal Kunia	$1,209	$4,270
Waipio	$1,400	$4,944
Ewa Villages	$1,392	$4,916
Ewa Gentry	$1,396	$4,930

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Waipahu, 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)	$939
Excellent (740-799)	$1,071
Good (670-739)	$1,140
Average (580-669)	$1,487
Poor (300-579)	$1,784

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Waipahu, 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
Dustin Kwok	State Farm	615 Piikoi St Ste 1411, Honolulu, 96814-3141	808-589-2585
Rachel Rooney	State Farm	45-1123 Kam Hwy Ste B, Kaneohe, 96744-3252	808-247-0091
Kevin Takahashi	State Farm	1284 Kalani St Ste 108, Honolulu, 96817-4939	808-845-0069
Darin Ono	State Farm	2969 Mapunapuna Pl Ste 111, Honolulu, 96819-2000	808-834-2222
Cynthia Leiko Frost	State Farm	2615 S King St Ste A205, Honolulu, 96826-3257	808-952-5353
Rosten Tsuha	State Farm	1314 S King St, Honolulu, 96814	808-591-5545
Mark A. Kam Lutcf	Liberty Mutual	711 Kapiolani Blvd Ste 1100, Honolulu, 96813	1-808-589-8920
American Mutual Underwriters Ltd	Travelers	1357 KAPIOLANI BLVD STE 1000, HONOLULU, 96814	808-522-8650
Larry Bolibol	State Farm	2153 N King St Ste 108A, Honolulu, 96819-4553	808-847-0835

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Waipahu, 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	$1,142
Driver's Failure In Showing Documents	+$106	$1,200
Driving With An Expired Registration	+$113	$1,207
Driving At A Considerably Slow Pace	+$237	$1,331
Using A Cellphone While Driving	+$251	$1,345
Running A Red Light	+$255	$1,349
Speeding	+$268	$1,362
Driving A Vehicle Without The Required Permission	+$340	$1,434
Driving With An Expired/Suspended License	+$737	$1,831

Waipahu, 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	$1,050
Active Disabling Device	$1,050
Tracking Device	$1,028
Passive Disabling Device	$1,017

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Latest Auto Insurance Reviews in Waipahu, HI | Back to Top