For a 40-year-old driver with a clean record, car insurance in Mililani Mauka and Mililani Town costs about $147 a month ($1,764 a year) for full coverage, 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. To compare car insurance quotes in Mililani, HI, start with the insurer: auto insurance quotes for your own car will vary just as much.
Mililani Mauka and Mililani Town share one ZIP code, 96789: the Census Bureau’s maps place the center of each census-designated place in it, so every figure on this page applies to both. Together they counted 49,196 residents in the 2020 census, 28,121 in Mililani Town and 21,075 in Mililani Mauka.
For our benchmark driver, 96789 is priced like most of central Oahu, so where you live in Mililani won’t change your price; the insurer and coverage you choose will.
Cost data comes from the auto rates insurers file with state regulators, priced in Mililani’s ZIP code, 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 Mililani, HI?
Mililani Mauka car insurance costs about $147 a month ($1,764 a year) for full coverage, and so does Mililani Town’s, 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
Mililani Car Insurance Companies Compared
In 96789, the five major insurers we compared span about $114 a month for full coverage, from GEICO at the low end to Liberty Mutual at the high end.
- 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 Mililani
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 |
| Mililani average | $582 | $49 | $1,764 | $147 |
This table uses Mililani’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Mililani?
Raising liability limits from 50/100/50 to 100/300/100 adds about $76 a year on average in our Mililani 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 Mililani?
Yes, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Mililani 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 Mililani average above. Liability-only coverage at 20/40/10 limits rose 13.3%, led by GEICO, which raised its liability-only average 22.3%.
What Shapes Car Insurance Costs in Mililani
Wahiawa, about four miles north, averages $147 a month, the same as 96789, and Waipahu, about four miles south, costs $18 a year more because of Allstate’s Waipahu price.
Kauai, the least expensive of the four counties we price, averages $1,561 a year, $203 less than 96789; every major insurer we compared charges less there, from GEICO, $4 a year less, to Liberty Mutual, $347 less.
Registering a Car in Central Oahu
The City and County of Honolulu’s Wahiawa offices, at 330 N. Cane St., include a satellite city hall that handles vehicle registration and titling and a driver licensing center that gives written and road tests, according to the city’s Department of Customer Services.
How Mililani 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.
Pearl City, about five miles southeast, averages $147 a month, and Waipahu, about four miles south, $149. Kapolei, about eight miles southwest, averages $147, and Honolulu, about 14 miles southeast, $147.
What Car Insurance Is Required in Mililani?
Drivers in Mililani 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.
Age and credit don’t count in Hawaii. Insurers can’t base a rate on age, sex, marital status, length of driving experience or credit bureau rating, under HRS § 431:10C-207; they price your driving record, claims history, where you live and garage your car, and the car itself, according to the Hawaii Insurance Division.
How to Lower Your Car Insurance Rate in Mililani
- Use Wahiawa for car paperwork. The Wahiawa satellite city hall and driver licensing center, at 330 N. Cane St., cover registration, titling and license tests for central Oahu drivers, according to the city’s location list.
- Look up insurers’ complaint records. The Hawaii Insurance Division’s consumer resources page links its yearly premium comparison guide and its complaint ratios for insurers, two quick checks before you switch.
- 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 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 car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Hawaii home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Mililani 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 Mililani’s ZIP code, plus the same number of liability-only and 50/100/50 premiums.
- 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 Mililani’s ZIP code. 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 Mililani, 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.
Mililani Car Insurance FAQ
For our benchmark driver, full coverage in Mililani 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 Mililani 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. Both are served by ZIP code 96789, where full coverage averages $1,764 a year ($147 a month) for our benchmark driver and liability-only coverage at 20/40/10 limits $582 ($49 a month).
No, they’re about the same. For our benchmark driver, Mililani (96789) averages $1,764 a year for full coverage and Honolulu $1,760, both about $147 a month.
In our Mililani 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 Mililani 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 Mililani full-coverage average rose 1.7%, from about $1,603 to $1,631 a year. That’s lower than the Mililani 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 Mililani averages about $147 a month. Nearby, Waipahu averages about $149, Pearl City about $147 and Ewa Gentry about $149. Mililani is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
- Latest Posts
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.
