For a 40-year-old driver with a clean record, car insurance in Waipahu, HI, costs about $149 a month ($1,782 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. Car insurance quotes in Waipahu vary far more by insurer than by street, so compare auto insurance quotes from several companies.
Our Waipahu figures are for ZIP code 96797, the ZIP code at the center of Waipahu on the Census Bureau’s maps. The Waipahu census-designated place counted 43,485 residents in the 2020 census on about 2.7 square miles of land.
Waipahu’s 96797 and Ewa Beach’s 96706 share the highest full-coverage average of the 25 Oahu ZIP codes we price, $1,782 a year for our benchmark driver.
Cost data comes from the auto rates insurers file with state regulators, priced in Waipahu’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 Waipahu, HI?
In Waipahu, full coverage costs our benchmark driver $1,782 a year, about $149 a month. Liability-only coverage at 20/40/10 limits averages $588 a year ($49 a month), and 50/100/50 liability with comprehensive and collision averages $1,706 ($142 a month).
- Full coverage (100/300/100, $500 deductibles): $1,782 a year ($149 a month)
- 50/100/50 with $500 deductibles: $1,706 a year ($142 a month)
- Liability only (20/40/10): $588 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
Car Insurance Companies in Waipahu, HI, Compared
Allstate is the insurer to watch in Waipahu: at $170 a month for full coverage, it’s about $9 a month higher here than in most of Oahu. The other five insurers’ Waipahu averages match their Pearl City figures exactly.
- 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 $170.
- 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 Waipahu
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 | $724 | $60 | $2,040 | $170 |
| 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 |
| Waipahu average | $588 | $49 | $1,782 | $149 |
This table uses Waipahu’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 Waipahu?
Raising liability limits from 50/100/50 to 100/300/100 adds about $76 a year on average in our Waipahu 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 Waipahu?
Yes, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Waipahu ZIP code, their full-coverage average rose from $1,625 a year nine months earlier to $1,653 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 Waipahu average above. Liability-only coverage at 20/40/10 limits rose 13.1%, led by GEICO, which raised its liability-only average 22.3%.
Why Waipahu Costs a Little More Than Most of Oahu
One insurer explains the difference. Allstate charges our driver $2,040 a year in 96797, compared with $1,930 in Pearl City and most other Oahu ZIP codes, while the other five insurers charge exactly what they do in Pearl City, about four miles east. That $110 gap adds $18 a year to Waipahu’s six-insurer average.
Allstate’s liability-only price is higher in 96797 too: $724 a year, compared with $689 in Pearl City. So if Allstate isn’t on your shortlist, Waipahu prices look like the rest of central Oahu. Mililani, about four miles north, averages $147 a month.
Allstate’s 96797 price hasn’t moved over the past nine months: it was $2,040 a year then and is $2,040 now, so the gap with the rest of Oahu isn’t new.
Where Waipahu Drivers Can Register a Car
The City and County of Honolulu doesn’t list a satellite city hall or driver licensing center in Waipahu. Its Pearlridge Satellite City Hall in Aiea and its Kapolei Satellite City Hall both handle vehicle registration and titling, and the Kapolei driver licensing center gives road tests, according to the city’s Department of Customer Services. A renewal at a satellite city hall is an express-window transaction, according to the city’s registration page.
How Waipahu 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 four miles east, averages $147 a month, and Ewa Gentry, about four miles south, $149, the same as Waipahu. Kapolei, about five miles southwest, averages $147. For the statewide picture by island, see our guide to Hawaii car insurance rates.
What Car Insurance Is Required in Waipahu?
Drivers in Waipahu 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.
Driving uninsured costs far more than a policy. A first conviction brings a $500 fine and a later one at least $2,000, and the court must also suspend the license of the driver or registered owner for three months (a year for another conviction within five years) or order six months of nonrefundable insurance, under HRS § 431:10C-117.
How to Lower Your Car Insurance Rate in Waipahu
- Shop around Allstate’s Waipahu price. Allstate’s 96797 figure, $2,040 a year, is the one that sets Waipahu apart from Pearl City, so compare it against the five insurers whose Waipahu prices match the rest of central Oahu.
- Show proof if you’re cited. A court can suspend all or part of an uninsured-driving fine if you prove you now have a current policy, under HRS § 431:10C-117, but the license suspension or nonrefundable-policy order still applies.
- 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 Waipahu 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 Waipahu’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 Waipahu’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 Waipahu, 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.
Waipahu Car Insurance FAQ
For our benchmark driver, full coverage in Waipahu averages about $149 a month ($1,782 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 Waipahu 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.
Slightly cheaper in Pearl City. For our benchmark driver, Waipahu (96797) averages $1,782 a year for full coverage and Pearl City $1,764, about $2 a month apart. The whole difference is Allstate, which charges $2,040 a year in Waipahu and $1,930 in Pearl City.
Hawaii’s penalties apply: a $500 fine for a first conviction and at least $2,000 for a later one, plus a license suspension of three months (a year for another conviction within five years) or six months of nonrefundable insurance. Repeat offenders within five years can also face up to 30 days in jail, loss of their plates and impoundment, under HRS § 431:10C-117.
In our Waipahu data, full coverage (100/300/100 with $500 deductibles) averages about $149 a month and liability-only coverage at 20/40/10 limits about $49, a difference of about $100 a month ($1,194 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 Waipahu 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 Waipahu full-coverage average rose 1.7%, from about $1,625 to $1,653 a year. That’s lower than the Waipahu average of $1,782 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 13.1%.
For our benchmark driver, full coverage in Waipahu averages about $149 a month. Nearby, Pearl City averages about $147, Mililani about $147 and Ewa Gentry about $149. Pearl City and Mililani are cheaper; 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.
