Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Waimea after a DUI is State Farm
  • Average car insurance rates in Waimea, HI for senior drivers are $2,157/year
  • Average car insurance rates in Waimea, HI are $183/month

Average car insurance rates in Waimea, Hawaii are $183 a month. But with a little research you can get a great deal from the top car insurance companies in Waimea, HI. Before you buy Waimea, Hawaii car insurance, make sure your coverage meets or exceeds the Hawaii minimum of 20/40/10.

It may even be helpful to compare Waimea car insurance rates with Naalehu car insurance rates, Hoolehua car insurance rates, or Anahola car insurance rates to make sure you’re getting the best Waimea, HI car insurance quotes available.

Need affordable Waimea, HI car insurance? Enter your ZIP code to compare Waimea car insurance quotes from multiple car insurance companies near you.

Waimea, HI Minimum Car Insurance Coverage

Waimea, Hawaii law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.

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

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Waimea, HI Car Insurance Rates by Coverage Level

Some Waimea drivers can get by with the Hawaii minimum coverage of 20/40/10. Other drivers may need more. See how much your Waimea, Hawaii car insurance rates may be based on the coverage you need.

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

Waimea, HI Car Insurance Rates by Age, Gender, and Marital Status

Waimea, Hawaii car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Waimea, HI car insurance, get quotes from multiple car insurance companies in the Waimea area and see how these criteria affect your 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

Waimea, HI Car Insurance Rates for Teens

How much is Waimea, Hawaii car insurance for teens? Compare rates from top Waimea car insurance companies below to help find the cheapest teen car insurance in Waimea, HI.

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

Waimea, HI Car Insurance Rates for Seniors

Before seniors buy Waimea, Hawaii car insurance, they should make sure to shop around. Some Waimea, HI car insurance companies may offer discounts or other savings options for senior car insurance.

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

Waimea, HI Car Insurance Rates by Driver History

How does a single speeding ticket affect your Waimea, Hawaii car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Waimea.

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

Waimea, HI Car Insurance Rates With a DUI

Even a single DUI can increase your Waimea, HI car insurance rates. Compare rates below to see which Waimea car insurance company has the best rates for drivers with a DUI.

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

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Waimea, HI Car Insurance Rates by ZIP Code

Just like Waimea car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Waimea, HI car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Waimea, Hawaii

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

Waimea, HI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Waimea, HI car insurance rates may be. Let’s take a look at average car insurance rates from top Waimea companies based on commute time.

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

Waimea, HI Cheapest Car Insurance Rates

How do the top Waimea, Hawaii car insurance companies’ average rates stack up against the Waimea average monthly car insurance rates of $183? Take a look and see.

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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Waimea, HI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Waimea, Hawaii car insurance companies to help you find one that best fits 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

Other Factors Affecting Waimea, HI Car Insurance Rates

Before you buy Waimea, Hawaii car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Waimea, HI Commute Time

How does your Waimea, HI commute time compare with the average driver? In Waimea, the average commute is 23.4 minutes.

Waimea, HI Car Insurance Quotes

Compare Waimea, HI car insurance quotes from multiple companies by entering your ZIP code now.