For a 40-year-old driver with a clean record, Makakilo car insurance costs about $147 a month ($1,764 a year) for full coverage in ZIP code 96707, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Hawaii average of $148 a month. GEICO has the lowest full-coverage average of the five major insurers we compared (21st Century, Allstate, GEICO, Liberty Mutual and State Farm), at about $89 a month. Makakilo drivers who compare quotes in 96707 will find a wide spread between insurers.
Makakilo is mailed under Kapolei’s ZIP code, 96707: the Census Bureau’s maps place the center of the Makakilo census-designated place in it, and the Postal Service files it as Kapolei. So Makakilo has no mailing city of its own in our data, and every price on this page matches our Kapolei guide.
Makakilo counted 19,877 residents in the 2020 census on about 3.8 square miles of land; Kapolei, about two miles southeast, counted 21,411.
Cost data comes from the auto rates insurers file with state regulators, priced in ZIP code 96707, which serves Makakilo, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Makakilo, HI?
Makakilo car insurance averages $1,764 a year ($147 a month) for full coverage in 96707, the ZIP code it shares with Kapolei, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $582 a year ($49 a month), and 50/100/50 liability with comprehensive and collision averages $1,688 ($141 a month).
- Full coverage (100/300/100, $500 deductibles): $1,764 a year ($147 a month)
- 50/100/50 with $500 deductibles: $1,688 a year ($141 a month)
- Liability only (20/40/10): $582 a year ($49 a month)
- Honolulu County (Oahu): $1,764 a year ($147 a month) for full coverage
- Hawaii average: $1,773 a year ($148 a month) for full coverage
Cheapest Car Insurance in Makakilo: How the Insurers Compare
Because Makakilo and Kapolei share 96707, this table matches our Kapolei guide row for row, including USAA’s figure for military families. GEICO has the lowest average among the insurers anyone can buy from.
- Lowest average in our data, full coverage: GEICO, at about $89 a month ($1,069 a year).
- Next lowest any driver can buy: 21st Century, at about $130 a month, then Allstate at $161.
- Military families: USAA averages about $119 a month, but only for eligible members.
- Liability only (20/40/10): about $29 to $63 a month across the five insurers anyone can buy from.
- Also on our list: Farmers at about $135 a month, Progressive at $140 and Island Insurance at $146.
- Most expensive in our data: Liberty Mutual, at about $203 a month, $1,361 a year more than GEICO for the same driver and car.
Six of the seven published 2026 statewide Hawaii rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, which sells only to military families; one ranks Progressive first. For liability-only coverage at 20/40/10 limits, averages run from about $29 to $63 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Makakilo
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $345 | $29 | $1,069 | $89 |
| USAA (military families) | $433 | $36 | $1,425 | $119 |
| 21st Century | $587 | $49 | $1,560 | $130 |
| Allstate | $689 | $57 | $1,930 | $161 |
| State Farm | $760 | $63 | $2,169 | $181 |
| Liberty Mutual | $679 | $57 | $2,430 | $203 |
| Farmers* | $684 | $57 | $1,623 | $135 |
| Progressive* | $754 | $63 | $1,681 | $140 |
| Island Insurance* | $590 | $49 | $1,752 | $146 |
| Makakilo average | $582 | $49 | $1,764 | $147 |
This table uses ZIP code 96707 only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Makakilo?
Raising liability limits from 50/100/50 to 100/300/100 adds about $76 a year on average in our Makakilo data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. USAA charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Makakilo?
Yes, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Makakilo ZIP code, their full-coverage average rose from $1,603 a year nine months earlier to $1,631 in rates as of Aug. 31, 2026, a 1.7% increase. USAA raised its average 3.6%, GEICO 3.5% and State Farm 2.5%, while 21st Century’s and Allstate’s averages were unchanged. Liberty Mutual is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Makakilo average above. Liability-only coverage at 20/40/10 limits rose 13.3%, led by GEICO, which raised its liability-only average 22.3%.
Why Makakilo and Kapolei Show the Same Prices
Our rate data prices each insurer by ZIP code, and Makakilo and Kapolei share 96707, so we can’t separate the two communities. Within 96707, the six insurers’ full-coverage averages run from about $1,069 to $2,430 a year.
West Oahu’s other priced ZIP codes tell a similar story: Waianae’s 96792, about eight miles northwest, averages $147 a month, while Ewa Beach’s 96706, about four miles southeast at Ewa Gentry, averages $149 because Allstate charges more there.
Maui County’s ZIP codes average $1,718 a year, $46 less than 96707, and the Big Island’s $1,944, $180 more, so Oahu sits in the middle of the islands we price.
Registering a Car in Makakilo
Makakilo drivers can register and title a car at the City and County of Honolulu’s Kapolei Satellite City Hall, at 1000 Uluohia St., according to the city’s Department of Customer Services, which also lists passport services there by appointment. If your address on file is current, you can renew online instead; the city says the certificate is mailed within 15 working days.
How Makakilo Car Insurance Compares With Other Hawaii Cities
More Hawaii cities and towns are in the Hawaii rates by city table, and you can compare states on our car insurance rates by state page.
Kapolei, about two miles southeast, shares Makakilo’s ZIP code and its $147 average. Ewa Gentry, about four miles southeast, averages $149 a month and Waipahu, about five miles east, $149. Mililani, about seven miles northeast, averages $147.
What Car Insurance Is Required in Makakilo?
Drivers in Makakilo follow Hawaii’s rules. For new and renewal policies effective on or after Jan. 1, 2026, every policy must include at least:
- Liability coverage of $40,000 per person and $80,000 per crash for injuries and $20,000 for property damage (40/80/20)
- Personal injury protection of $10,000 per person for your own medical and rehabilitation costs, whoever caused the crash
- Uninsured and underinsured motorist coverage at your bodily injury limits, unless you reject it in writing
Our liability-only prices use 20/40/10 limits, the minimum before 2026, with 20/40 uninsured and underinsured motorist coverage, so a policy that meets today’s 40/80/20 minimum will generally cost more than our liability-only figures. Our Hawaii requirements guide covers proof of insurance, the no-fault rules and the penalties for driving uninsured.
Hawaii is a no-fault state for injuries, so after a crash your own PIP pays first. You can sue the other driver for pain and suffering only after a death, a significant permanent loss of use of a part or function of the body, a permanent and serious disfigurement, or injuries with PIP benefits of $5,000 or more, under HRS § 431:10C-306.
How to Lower Your Car Insurance Rate in Makakilo
- Know where your claim goes. After a crash, a Makakilo driver’s own PIP pays the first $10,000 of medical and rehabilitation bills, under HRS § 431:10C-103.5, so keep your insurer’s claims phone number in the car with your insurance card.
- Register in Kapolei. The Kapolei Satellite City Hall at 1000 Uluohia St. handles registration and titling for cars garaged in 96707, according to the city’s location list.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Hawaii, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Makakilo Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: six full-coverage premiums from six insurers in ZIP code 96707, which serves Makakilo, plus the same number of liability-only and 50/100/50 premiums.
- Geography: Makakilo has no mailing city of its own in our data. We price it with ZIP code 96707, the ZIP code at the center of Makakilo on U.S. Census Bureau map data; the Postal Service files it under Kapolei, so our Kapolei guide uses the same ZIP code.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use. Hawaii law bars insurers from basing rates on age, sex, marital status, length of driving experience or credit.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/10 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Hawaii’s minimum has been 40/80/20 for new and renewal policies effective on or after Jan. 1, 2026, so our liability-only prices use lower limits than the law requires. Every Hawaii policy must also include at least $10,000 per person in personal injury protection; the requirements section of this page explains what it pays.
- Calculation: for each insurer we take its lowest eligible price in ZIP code 96707, which serves Makakilo. The overall average is the mean of those prices, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code and its lead over the next insurer isn’t so wide that it looks like an outlier. In Makakilo, GEICO’s full-coverage average is 31.5% below 21st Century’s ($1,069 and $1,560 a year), a little wider than that, but six of the seven published 2026 statewide Hawaii rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, so we name it for full coverage and show the range of prices for liability-only coverage. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP code, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Liberty Mutual is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers, including USAA, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Hawaii rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Hawaii law and the Hawaii Insurance Division. We refresh these figures when new rate data is released.
Makakilo Car Insurance FAQ
For our benchmark driver, full coverage in Makakilo averages about $147 a month ($1,764 a year) and liability-only coverage at 20/40/10 limits about $49 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Hawaii average of $148 a month.
GEICO has the lowest full-coverage average in our Makakilo rate data, at about $89 a month, followed by 21st Century at $130 among insurers anyone can buy from. USAA, which sells only to military families, averages about $119 a month. For liability-only coverage at 20/40/10 limits, averages run from about $29 to $63 a month. Six of the seven published 2026 statewide Hawaii rate studies we reviewed rank GEICO cheapest for full coverage, apart from USAA; one ranks Progressive first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, in our data. Makakilo is mailed under Kapolei’s ZIP code, 96707, so both average $1,764 a year ($147 a month) for full coverage for our benchmark driver.
ZIP code 96707. It’s the ZIP code at the center of Makakilo on the Census Bureau’s maps, and the Postal Service files it under Kapolei. Parts of Makakilo can fall in other ZIP codes.
In our Makakilo data, full coverage (100/300/100 with $500 deductibles) averages about $147 a month and liability-only coverage at 20/40/10 limits about $49, a difference of about $98 a month ($1,182 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Hawaii law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Makakilo follow Hawaii law: for new and renewal policies effective on or after Jan. 1, 2026, at least $40,000 per person and $80,000 per crash for injuries and $20,000 for property damage (40/80/20), plus $10,000 per person in personal injury protection. Uninsured and underinsured motorist coverage comes with the policy unless you reject it in writing, and you must keep your insurance card in the car or on your phone.
Yes, for our benchmark driver. Comparing the five insurers in both sets of rates (Liberty Mutual is new over the past nine months), their Makakilo full-coverage average rose 1.7%, from about $1,603 to $1,631 a year. That’s lower than the Makakilo average of $1,764 because it leaves out Liberty Mutual. USAA raised its average 3.6%, GEICO 3.5% and State Farm 2.5%. Liability-only coverage at 20/40/10 limits rose 13.3%.
For our benchmark driver, full coverage in Makakilo averages about $147 a month. Nearby, Kapolei averages about $147, Ewa Gentry about $149 and Waipahu about $149. Makakilo is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
