Car Insurance in Waipahu, HI
The average cost of Hawaii car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Waipahu, HI to find you the cheapest quotes in the area.
Cheapest Car Insurance in Waipahu, HI
Here are the cheapest carriers in Waipahu for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Companies | Quotes |
|---|---|
Progressive |
$50 /mo |
State Farm |
$55 /mo |
Best Car Insurance in Waipahu, HI
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Waipahu. For the complete list, see Insurify's best car insurance companies.
| Companies | Score | Quotes |
|---|---|---|
|
State Farm |
83
|
$55 /mo |
|
Progressive |
78
|
$50 /mo |
Average Car Insurance Cost
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Waipahu, HI Driving Facts
Minimum Car Insurance Requirements in HI
The state of Hawaii requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Hawaii are:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Hawaii state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.
The minimum property damage liability insurance requirements in Hawaii are:
- $10,000 property damage liability per accident
Property damage liability coverage pays for any property that you damage in an accident. The state of Hawaii requires $10,000 for the minimum. You’ll see the collective state minimum listed at 20/40/10. The 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.
The minimum personal injury protection (PIP) insurance requirements in Hawaii are:
- $10,000 personal injury protection (PIP) per person per accident
Hawaii is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. Hawaii PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The minimum coverage limits Hawaii state law requires is $10,000 per person per accident.
Insurify Rankings
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Waipahu stacks up for the state of Hawaii:
Waipahu, HI
Suspended Licenses Rank
FAQs - Waipahu, HI Car Insurance
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