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Car Insurance Quotes in Makakilo City, HI

Full coverage / year
$1,295
State minimum / year
$449
Typical quote range
$919 – $1,787

Full coverage car insurance in Makakilo City, HI runs an estimated $1,295 per year — roughly $108 monthly. That is around 11% below the Hawaii average, helped by low traffic density and few comprehensive claims. Your own number moves a long way from the average once age, driving record and ZIP code are applied — the calculator below applies all three.

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Car insurance calculator — Makakilo City, HI

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$108/ month
$1,295 per year · carriers in Makakilo City, HI typically quote $919 – $1,787
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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Makakilo City, HI

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$984$82-24%Military members and families only
Geico$1,062$89-18%Usually cheapest for clean records
State Farm$1,140$95-12%Strong for young and student drivers
Progressive$1,230$103-5%Competitive after a ticket or accident
Travelers$1,256$105-3%Good multi-policy discounts
Nationwide$1,295$1080%Mid-market, wide availability
Allstate$1,476$123+14%Higher base rate, heavy discount stacking
Farmers$1,567$131+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Makakilo City, HI. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Makakilo City

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$3,498$1,213$291
18 years old$2,950$1,023$246
20 years old$2,443$847$204
22 years old$2,029$703$169
25 years old$1,549$537$129
30 years old$1,335$463$111
40 years old$1,255$435$105
50 years old$1,202$417$100
60 years old$1,188$412$99
65 years old$1,242$430$103
70 years old$1,362$472$113
75 years old$1,589$551$132

Estimated premiums by age in Makakilo City, HI, clean record, sedan.

What a ticket, accident or DUI costs in Makakilo City

Driving recordEst. annualIncrease
Clean record$1,295—
1 speeding ticket$1,593+23%
1 at-fault accident$1,904+47%
DUI / DWI$2,447+89%

What a violation costs a 35-year-old in Makakilo City, HI. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Hawaii

Every driver registering a vehicle in Hawaii must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Hawaii Department of Insurance.

Required coverage in HawaiiMinimum limit
Bodily injury liability, per person$20,000
Bodily injury liability, per accident$40,000
Property damage liability$10,000
PIP $10,000Required
Insurance systemNo-fault

Coverage levels compared in Makakilo City

Coverage levelEst. annualEst. monthly
State minimum liability$449$37
Full coverage (100/300/100 + comp & collision)$1,295$108
Full coverage, high limits + low deductible$1,541$128

Coverage level comparison for Makakilo City, HI.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Makakilo City

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Makakilo City covers 96707, 96862, 96706, 96797 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Makakilo City, HI?
Full coverage in Makakilo City is estimated at $1,295 a year ($108 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $449 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Hawaii?
Hawaii requires at least $20,000 bodily injury per person, $40,000 per accident and $10,000 property damage, plus pip $10,000. Hawaii is a no-fault state, so your own policy pays your initial medical costs regardless of who caused the crash.
▸Who has the cheapest car insurance in Makakilo City?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Makakilo City for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Makakilo City?
An 18-year-old in Makakilo City is estimated at $2,950 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Makakilo City?
A DUI takes the estimate from $1,295 to about $2,447 a year in Makakilo City, an increase of roughly 89%. Hawaii drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Makakilo City?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

MakakiloKapolei VillagesKapolei'Ewa Gentry'Ewa BeachWaipahuPearl CityJoint Base Pearl Harbor Hickam

Comparing more of Hawaii? See every Hawaii city we price or read the cheap car insurance guide for Makakilo City.