- Average car insurance cost in Waipahu is $1,930 per year, or about $161 per month.
- Waipahu car insurance costs an average of $8 per year more than the Hawaii state average and $291 per year less than the U.S. national average.
- Auto insurance rates for a few popular models in Waipahu include the Mazda CX-5 at $1,574 per year, Toyota RAV4 at $1,778, and Jeep Wrangler at $2,202.
- For cheap auto insurance in Waipahu, crossover vehicles like the Subaru Crosstrek, Kia Soul, Toyota Corolla Cross, and Volkswagen Tiguan cost less than most other models.
- A few models with segment-leading auto insurance rates include the Subaru Crosstrek ($1,426 per year), Acura Integra ($1,714 per year), Nissan Titan ($1,804 per year), and Kia K5 ($1,858 per year).
How much is car insurance in Waipahu?
Average car insurance rates in Waipahu cost $1,930 per year, or about $161 per month. That’s 14% cheaper than the overall U.S. average rate of $2,221 per year.
In the state of Hawaii, the average car insurance cost is $1,922 per year, so the cost in Waipahu averages $8 more per year. When rates are compared to other cities in Hawaii, the average cost to insure a car in Waipahu is around $48 per year cheaper than in Hilo, $4 per year less than in Honolulu, and $32 per year more expensive than in Pearl City.
Driver age is the factor that has the most impact on the price of car insurance, so the list below details how driver age influences cost by showing the difference in average car insurance rates in Waipahu for drivers from 16 to 60.
Waipahu, Hawaii, car insurance cost by driver age
- 16-year-old rated driver – $6,870 per year or $573 per month
- 17-year-old rated driver – $6,657 per year or $555 per month
- 18-year-old rated driver – $5,967 per year or $497 per month
- 19-year-old rated driver – $5,433 per year or $453 per month
- 20-year-old rated driver – $3,882 per year or $324 per month
- 30-year-old rated driver – $2,060 per year or $172 per month
- 40-year-old rated driver – $1,930 per year or $161 per month
- 50-year-old rated driver – $1,712 per year or $143 per month
- 60-year-old rated driver – $1,600 per year or $133 per month
The next chart shows average car insurance cost in Waipahu broken out for both different driver ages and policy deductibles. Rates are averaged for all 2024 vehicle models including luxury and performance vehicles.

Average rates in the chart range from $1,352 per year for a 60-year-old driver with $1,000 physical damage deductibles to $4,516 per year for a 20-year-old driver with $250 deductibles. Throughout this article, the rate used for comparing different vehicles or locations is a 40-year-old driver with $500 physical damage deductibles, which has an average cost of $1,930 per year in Waipahu.
As a monthly rate, average car insurance cost in Waipahu ranges from $113 to $376 for the same risk profiles and driver ages shown in the previous chart.
Waipahu auto insurance rates have extreme variability and subtle changes in driver risk profiles can have consequential effects on car insurance cost. This wide range of possible rates emphasizes the need for accurate car insurance quotes when looking for cheaper coverage.
The cost of car insurance for Waipahu’s favorite vehicles
The auto insurance costs referenced previously are the average cost across all 2024 model year vehicles, which is handy when making generalized comparisons like between locations or by driver risk profile.
Average car insurance rates are fantastic for answering questions like “is auto insurance in Waipahu cheaper than Pearl City?” or “are Hawaii auto insurance rates cheaper than in Florida?”.
But for more comprehensive car insurance cost comparisons, we need to look at the specific model of vehicle being insured. Every make and model has it’s own profile for determining how much it costs to insure it and this data makes it possible to do detailed insurance cost comparisons.
This next chart displays average insurance rates for the more popular vehicles in Waipahu and surrounding areas.

What vehicles have the cheapest car insurance in Waipahu?
When all car, SUV, and pickup insurance rates are compared, the vehicles with the most affordable insurance rates in Waipahu, HI, tend to be crossovers and compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Nissan Kicks, and Hyundai Venue. Average insurance quotes for those small SUVs cost $1,566 or less per year, or $131 per month, to have full coverage.
Some other models that have low-cost car insurance quotes in our insurance cost comparison are the Acura RDX, Ford Bronco Sport, Nissan Murano, and Buick Envista. Average rates are slightly more for those models than the cheapest compact SUVs that rank at the top, but they still have average rates of $1,678 or less per year.
The next table details the top 25 cheapest vehicles to insure in Waipahu, sorted by annual and monthly insurance cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $1,426 | $119 |
2 | Chevrolet Trailblazer | $1,448 | $121 |
3 | Kia Soul | $1,504 | $125 |
4 | Nissan Kicks | $1,520 | $127 |
5 | Honda Passport | $1,534 | $128 |
6 | Buick Envision | $1,546 | $129 |
7 | Toyota Corolla Cross | $1,554 | $130 |
8 | Hyundai Venue | $1,566 | $131 |
9 | Mazda CX-5 | $1,574 | $131 |
10 | Ford Bronco Sport | $1,578 | $132 |
11 | Volkswagen Tiguan | $1,598 | $133 |
12 | Acura RDX | $1,614 | $135 |
13 | Nissan Murano | $1,620 | $135 |
14 | Buick Encore | $1,638 | $137 |
15 | Honda CR-V | $1,642 | $137 |
16 | Subaru Outback | $1,644 | $137 |
17 | Buick Envista | $1,648 | $137 |
18 | Volkswagen Taos | $1,652 | $138 |
19 | Kia Niro | $1,658 | $138 |
20 | Subaru Ascent | $1,676 | $140 |
21 | Honda HR-V | $1,678 | $140 |
22 | Toyota GR Corolla | $1,678 | $140 |
23 | Nissan Leaf | $1,688 | $141 |
24 | Chevrolet Colorado | $1,698 | $142 |
25 | Honda Civic | $1,708 | $142 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Waipahu, HI Zip Codes. Updated June 27, 2025
The above table containing 25 ranked vehicles is great if you just want the lowest rates. Considering the fact that we rate over 700 vehicles, less than 4% of total vehicles are shown. Let’s take a different approach and display the cheapest models in a format that makes more sense, by vehicle segment.
This next article section details the average cost of auto insurance for each vehicle segment. These rates should give you a decent idea of which segments have the overall best car insurance rates in Waipahu. Then the six sections following the chart will break out the most affordable rates for individual models for each automotive segment.
Insurance rates by automotive segment
If a different vehicle is in your future, it’s useful to have an idea of which kinds of vehicles have cheaper auto insurance rates in Waipahu. For instance, maybe you’re curious if compact SUVs are cheaper to insure than compact cars or if luxury cars or SUVs have more expensive insurance than non-luxury models.
The next chart shows average auto insurance rates in Waipahu for different vehicle segments. From an overall average perspective, compact SUVs, midsize trucks, and minivans have the most affordable rates, while luxury models and sports cars tend to have the most expensive insurance rates.

Average auto insurance rates by segment are suitable to make a general comparison, but rates vary substantially within each vehicle category listed in the chart above.
For example, in the midsize luxury car segment, car insurance rates in Waipahu range from the Mercedes-Benz CLA250 at $1,984 per year for full coverage insurance up to the BMW M8 costing $3,248 per year, a difference of $1,264 within that segment. In the large truck segment, the average cost of insurance ranges from the Nissan Titan at $1,804 per year up to the Toyota Tundra costing $2,296 per year, a difference of $492 within that segment.
In the following sections, we reduce this variability by comparing the cost of auto insurance in Waipahu for specific vehicle models.
Cheapest car insurance rates in Waipahu, Hawaii
Taking the top spot in Waipahu for cheapest insurance in the 2-door and 4-door sedan and hatchback segment is the Toyota GR Corolla, with a cost of $1,678 per year. Second place is the Nissan Leaf costing $1,688 per year, and the third cheapest is the Honda Civic, costing an average of $1,708 per year.
Other models that are affordable to insure include the Toyota Corolla, Honda Accord, Chevrolet Malibu, and Kia K5, with average insurance cost of $1,878 per year or less.
Ranked lower than 10th place, but still in the top 20, models like the Kia Forte, Mitsubishi Mirage G4, Hyundai Ioniq 6, Mazda 3, and Volkswagen Arteon average between $1,878 and $1,994 per year for auto insurance in Waipahu.
Full-coverage car insurance for this segment in Waipahu will start around $140 per month, depending on the company and your location.
If ranked by vehicle size, the cheapest compact car to insure in Waipahu is the Toyota GR Corolla at $1,678 per year. For midsize 2024 models, the Kia K5 has the best rates at $1,858 per year. And for full-size sedans, the Chrysler 300 has the most affordable rates at $1,836 per year.
The next table ranks the cars with the cheapest average car insurance rates in Waipahu, starting with the Toyota GR Corolla at $1,678 per year and ending with the Mazda 3 at $1,994 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $1,678 | $140 |
Nissan Leaf | Compact | $1,688 | $141 |
Honda Civic | Compact | $1,708 | $142 |
Nissan Sentra | Compact | $1,766 | $147 |
Subaru Impreza | Compact | $1,772 | $148 |
Toyota Prius | Compact | $1,802 | $150 |
Kia K5 | Midsize | $1,858 | $155 |
Honda Accord | Midsize | $1,862 | $155 |
Chevrolet Malibu | Midsize | $1,870 | $156 |
Toyota Corolla | Compact | $1,878 | $157 |
Kia Forte | Compact | $1,882 | $157 |
Volkswagen Arteon | Midsize | $1,896 | $158 |
Nissan Versa | Compact | $1,900 | $158 |
Subaru Legacy | Midsize | $1,904 | $159 |
Hyundai Ioniq 6 | Midsize | $1,918 | $160 |
Mitsubishi Mirage G4 | Compact | $1,948 | $162 |
Volkswagen Jetta | Compact | $1,950 | $163 |
Toyota Crown | Midsize | $1,952 | $163 |
Hyundai Sonata | Midsize | $1,956 | $163 |
Mazda 3 | Compact | $1,994 | $166 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Waipahu, HI Zip Codes. Updated June 26, 2025
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.
Don’t see insurance rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Waipahu car insurance quotes from the best car insurance companies in Hawaii.
Cheapest SUV insurance rates in Waipahu, HI
The lowest-cost SUVs to insure in Waipahu are the Subaru Crosstrek at $1,426 per year, the Chevrolet Trailblazer at $1,448 per year, and the Kia Soul at $1,504 per year.
Not the cheapest in the list, but still ranking well, are SUVs like the Toyota Corolla Cross, Buick Envision, Hyundai Venue, and Mazda CX-5, with an average car insurance cost of $1,578 per year or less.
Some additional vehicles on the list include the Volkswagen Tiguan, Buick Encore, Subaru Ascent, Buick Envista, and Honda CR-V, which cost between $1,578 and $1,676 per year for full-coverage insurance.
Full-coverage auto insurance in this segment will start around $119 per month, depending on your location. The comparison table below ranks the SUVs with the lowest-cost average auto insurance rates in Waipahu.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $1,426 | $119 |
Chevrolet Trailblazer | Compact | $1,448 | $121 |
Kia Soul | Compact | $1,504 | $125 |
Nissan Kicks | Compact | $1,520 | $127 |
Honda Passport | Midsize | $1,534 | $128 |
Buick Envision | Compact | $1,546 | $129 |
Toyota Corolla Cross | Compact | $1,554 | $130 |
Hyundai Venue | Compact | $1,566 | $131 |
Mazda CX-5 | Compact | $1,574 | $131 |
Ford Bronco Sport | Compact | $1,578 | $132 |
Volkswagen Tiguan | Compact | $1,598 | $133 |
Nissan Murano | Midsize | $1,620 | $135 |
Buick Encore | Compact | $1,638 | $137 |
Honda CR-V | Compact | $1,642 | $137 |
Subaru Outback | Midsize | $1,644 | $137 |
Buick Envista | Midsize | $1,648 | $137 |
Volkswagen Taos | Compact | $1,652 | $138 |
Kia Niro | Compact | $1,658 | $138 |
Subaru Ascent | Midsize | $1,676 | $140 |
Honda HR-V | Compact | $1,678 | $140 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Waipahu, HI Zip Codes. Updated June 26, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Looking for rates for a different SUV? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Waipahu car insurance quotes from top car insurance companies in Hawaii.
Cheapest pickups to insure in Waipahu
Ranking highest for the cheapest Waipahu auto insurance rates in the pickup segment are the Ford Maverick, Chevrolet Colorado, Nissan Titan, Ford Ranger, and Nissan Frontier. Auto insurance prices for these 2024 models average $1,872 or less per year, or around $156 per month.
Other models that have good average insurance rates are the Hyundai Santa Cruz, GMC Canyon, GMC Sierra 2500 HD, and Toyota Tacoma, with average cost of $1,984 per year or less.
Full-coverage insurance for this segment in Waipahu can cost as low as $142 per month, depending on your location and insurance company.
The comparison table below ranks the pickups with the lowest-cost auto insurance rates in Waipahu, starting with the Chevrolet Colorado at $1,698 per year ($142 per month) and ending with the Ram Truck at $2,232 per year ($186 per month).
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $1,698 | $142 |
Nissan Titan | Full-size | $1,804 | $150 |
Nissan Frontier | Midsize | $1,822 | $152 |
Ford Ranger | Midsize | $1,842 | $154 |
Ford Maverick | Midsize | $1,872 | $156 |
Honda Ridgeline | Midsize | $1,914 | $160 |
Hyundai Santa Cruz | Midsize | $1,946 | $162 |
Toyota Tacoma | Midsize | $1,954 | $163 |
GMC Sierra 2500 HD | Heavy Duty | $1,960 | $163 |
GMC Canyon | Midsize | $1,984 | $165 |
Jeep Gladiator | Midsize | $2,032 | $169 |
GMC Sierra 3500 | Heavy Duty | $2,044 | $170 |
Chevrolet Silverado HD 3500 | Heavy Duty | $2,062 | $172 |
Chevrolet Silverado HD 2500 | Heavy Duty | $2,118 | $177 |
GMC Sierra | Full-size | $2,130 | $178 |
Nissan Titan XD | Heavy Duty | $2,132 | $178 |
Chevrolet Silverado | Full-size | $2,134 | $178 |
Ford F150 | Full-size | $2,158 | $180 |
GMC Hummer EV Pickup | Full-size | $2,212 | $184 |
Ram Truck | Full-size | $2,232 | $186 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Waipahu, HI Zip Codes. Updated June 27, 2025
For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Is your pickup truck missing from the table above? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Hawaii.
Luxury cars with cheap auto insurance rates
Ranking at the top for the most affordable Waipahu auto insurance rates in the luxury car segment are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Acura TLX, and Lexus IS 300. Auto insurance prices for these vehicles average $1,996 or less per year.
Also ranking well are models like the Lexus RC 300, Genesis G70, Mercedes-Benz AMG CLA35, and Lexus ES 350, with average cost of $2,026 per year or less.
Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the Cadillac CT5, Audi S3, BMW 230i, BMW 330e, Lexus IS 350, and Lexus ES 300h average between $2,026 and $2,162 per year for auto insurance.
From a monthly standpoint, car insurance on this segment in Waipahu starts at around $143 per month, depending on the company. The rate comparison table below ranks the luxury cars with the cheapest average car insurance rates in Waipahu.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $1,714 | $143 |
BMW 330i | Compact | $1,964 | $164 |
Mercedes-Benz CLA250 | Midsize | $1,984 | $165 |
Lexus IS 300 | Midsize | $1,988 | $166 |
Acura TLX | Compact | $1,996 | $166 |
Cadillac CT4 | Compact | $2,014 | $168 |
Lexus ES 350 | Midsize | $2,014 | $168 |
Genesis G70 | Compact | $2,018 | $168 |
Mercedes-Benz AMG CLA35 | Midsize | $2,022 | $169 |
Lexus RC 300 | Midsize | $2,026 | $169 |
Lexus IS 350 | Compact | $2,036 | $170 |
Jaguar XF | Midsize | $2,040 | $170 |
Cadillac CT5 | Midsize | $2,078 | $173 |
Lexus ES 250 | Midsize | $2,084 | $174 |
Lexus RC 350 | Compact | $2,090 | $174 |
BMW 330e | Compact | $2,094 | $175 |
BMW 228i | Compact | $2,098 | $175 |
BMW 230i | Compact | $2,114 | $176 |
Lexus ES 300h | Midsize | $2,118 | $177 |
Audi S3 | Compact | $2,162 | $180 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Waipahu, HI Zip Codes. Updated June 26, 2025
For all luxury car insurance comparisons, see our full luxury car insurance guide.
Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Waipahu car insurance quotes from the best companies in Hawaii.
Cheap luxury SUVs to insure in Waipahu, Hawaii
Ranked at #1 in Waipahu for the lowest-cost insurance in the luxury SUV segment is the Acura RDX, costing $1,614 per year. Second place is the Lexus NX 250 at $1,708 per year, in third place is the Cadillac XT4, at an average of $1,740 per year, and fourth place goes to the Jaguar E-Pace, costing an average of $1,804 per year.
Additional luxury SUVs that rank well include the Lexus NX 450h, Mercedes-Benz GLB 250, Lexus NX 350h, and Lincoln Corsair, with an average cost to insure of $1,860 per year or less.
Additional 2024 luxury models worth mentioning include the Infiniti QX60, Infiniti QX50, Mercedes-Benz GLA250, and Lexus RX 350, which cost between $1,860 and $1,936 per year for insurance.
On a monthly basis, full-coverage insurance in this segment for an average middle-age driver starts at around $135 per month, depending on the company and your location.
The comparison table below ranks the twenty SUVs with the most affordable average insurance rates in Waipahu, starting with the Acura RDX at $1,614 per year ($135 per month) and ending with the Lexus RX 350 at $1,936 per year ($161 per month).
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $1,614 | $135 |
Lexus NX 250 | Compact | $1,708 | $142 |
Cadillac XT4 | Compact | $1,740 | $145 |
Jaguar E-Pace | Midsize | $1,804 | $150 |
Cadillac XT5 | Midsize | $1,818 | $152 |
Lexus NX 350h | Compact | $1,818 | $152 |
Lincoln Corsair | Compact | $1,840 | $153 |
Mercedes-Benz GLB 250 | Compact | $1,846 | $154 |
Lexus UX 250h | Compact | $1,848 | $154 |
Lexus NX 450h | Compact | $1,860 | $155 |
Infiniti QX50 | Midsize | $1,874 | $156 |
Mercedes-Benz GLA250 | Compact | $1,880 | $157 |
Mercedes-Benz GLA35 AMG | Compact | $1,886 | $157 |
Cadillac XT6 | Midsize | $1,888 | $157 |
Infiniti QX60 | Midsize | $1,898 | $158 |
Mercedes-Benz AMG GLB35 | Midsize | $1,900 | $158 |
Land Rover Evoque | Compact | $1,924 | $160 |
Acura MDX | Midsize | $1,928 | $161 |
Lexus NX 350 | Compact | $1,932 | $161 |
Lexus RX 350 | Midsize | $1,936 | $161 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Waipahu, HI Zip Codes. Updated June 27, 2025
See our guides for luxury SUV insurance to compare rates for additional makes and models.
Don’t see your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Waipahu car insurance quotes from top car insurance companies in Hawaii.
Sports cars with the best auto insurance rates
The top three sports cars with the lowest-cost average insurance rates in Waipahu are the Mazda MX-5 Miata at $1,784 per year, the Toyota GR86 at $2,032 per year, and the Ford Mustang at $2,118 per year.
Also ranking in the top 10 are cars like the Nissan Z, Toyota GR Supra, BMW M2, and Lexus RC F, with average insurance cost of $2,306 per year or less.
Ranking between positions 10 and 20, models like the Jaguar F-Type, Porsche Taycan, BMW M4, BMW M3, and Chevrolet Camaro average between $2,306 and $3,266 per year for full-coverage insurance in Waipahu.
As a cost per month, car insurance rates on this segment in Waipahu for a safe driver can cost as low as $149 per month, depending on the company and your location.
The rate comparison table below ranks the sports cars with the most affordable car insurance in Waipahu, starting with the Mazda MX-5 Miata at $1,784 per year ($149 per month) and ending with the Porsche Taycan at $3,266 per year ($272 per month).
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $1,784 | $149 |
Toyota GR86 | Sports Car | $2,032 | $169 |
Ford Mustang | Sports Car | $2,118 | $177 |
BMW Z4 | Sports Car | $2,130 | $178 |
Subaru WRX | Sports Car | $2,162 | $180 |
Toyota GR Supra | Sports Car | $2,166 | $181 |
BMW M2 | Sports Car | $2,230 | $186 |
Nissan Z | Sports Car | $2,234 | $186 |
Lexus RC F | Sports Car | $2,280 | $190 |
Subaru BRZ | Sports Car | $2,306 | $192 |
BMW M3 | Sports Car | $2,436 | $203 |
Porsche 718 | Sports Car | $2,484 | $207 |
Chevrolet Camaro | Sports Car | $2,506 | $209 |
Chevrolet Corvette | Sports Car | $2,672 | $223 |
Porsche 911 | Sports Car | $2,764 | $230 |
BMW M4 | Sports Car | $2,878 | $240 |
Lexus LC 500 | Sports Car | $2,894 | $241 |
Jaguar F-Type | Sports Car | $3,044 | $254 |
Mercedes-Benz AMG GT53 | Sports Car | $3,192 | $266 |
Porsche Taycan | Sports Car | $3,266 | $272 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Waipahu, HI Zip Codes. Updated June 27, 2025
Looking for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Waipahu.
Saving money on auto insurance
Smart drivers in Waipahu should always be searching for ways to reduce their monthly insurance expenses, so review the tips below and it’s very likely you can save some money the next time you need to insure a vehicle.
- Obey the law to get lower rates. If you want the cheapest car insurance in Waipahu, it makes sense to be a safe driver. Just a few minor lapses of judgement on your driving record have the consequences of increasing insurance policy rates by up to $512 per year.
- Buy vehicles with cheaper insurance rates. The make and model of vehicle you drive is a huge factor in the price you pay for car insurance. As an example, a Kia Soul costs $1,002 less per year to insure in Waipahu than a Chevrolet Camaro. Insure cheaper models and save money.
- Your choice of occupation could lower your rates. Most car insurance providers offer policy discounts for specific professions like doctors, scientists, firefighters, architects, emergency medical technicians, high school and elementary teachers, and others. By qualifying for this discount, you may save between $58 and $187 on your car insurance premium, depending on the age of the driver.
- Raise your credit score for cheaper insurance rates. Having an over-800 credit score could save $303 per year when compared to a lower credit score of 670-739. Conversely, an imperfect credit score below 579 could cost up to $351 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Shop around and save. Take a couple of minutes to get a few free car insurance quotes could save you a significant amount. Rates change frequently and you do not even have to wait until your policy renewal date to switch.
- Careless drivers spend more for car insurance in Waipahu. Having frequent at-fault accidents will raise rates, possibly as much as $930 per year for a 30-year-old driver and as much as $470 per year for a 60-year-old driver. So be a careful driver and save!