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In the market for auto insurance in Kaneohe? At AutoInsuranceEZ.com, you could find the cheapest insurance rates where you live. To acquire free car insurance quotes from the very best providers today, input your zip code into the quote box on this page.

Known as “Bamboo Man” by the locals, Kaneohe is a residential town located on the Oahu Island. Historically it has been a great location for commercial farming thanks to a natural supply of abundant rainfall. However, present day Kaneohe focuses more on Banana cultivation.

  • Fun fact: Did you know that Kaneohe is #7 on the list of “Top 101 cities with the most Filipino residents”? Learn more about Kaneohe, Hawaii.

Auto Insurance Coverage Requirements in Hawaii

Driving legally in Kaneohe requires:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 20,000/40,000
Medical Payments Not required 2,000
Collision Not required 250 deductible
Comprehensive Not required 1,000 deductible

When you are purchasing a new policy, the type of car you drive will largely determine what type of coverage you need. If you’re driving an old, used vehicle, then Liability will probably be sufficient. But the newer and more expensive your vehicle is, the more coverage you should buy.

Did you know that Kaneohe drivers can get insured for as little as $68/mo* right now? This is substantially cheaper than average rates in Hawaii, which are as high as $114 per month for the majority of drivers.

Average Monthly Auto Insurance Premiums Legend: Kaneohe Allstate State Farm Liberty Mutual 10 20 30 40 50 60 70 80 90 100 110 120 $41 $42 $121

 

Each insurance company is different, which helps explain the wide variance in average rates between companies. But rates aren’t everything. Would you be willing to pay a little more each month to do business with a customer service oriented company? Or an insurer with a reputable claims service? These are very important factors to keep in mind when trying to decide.

Auto insurance carriers contemplate numerous variables when calculating insurance quotes, including marital status, type of vehicle owned, education, your driving history, and business use of the vehicle. Also, keep in mind that premiums differ from provider to provider. To find out whether you’re still being charged the most affordable rate, compare cheap Hawaii auto insurance quotes online.

Major Car Insurance Factors in Kaneohe

Insurance companies take several factors into account when creating an auto insurance policy. Unfortunately, a great number of elements are difficult or impossible to change, such as your gender or the make/model of your car. Other variables your car insurance company may consider include:

  • Your Zip Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Kaneohe is 34,597 and the median household income is $82,095.

Auto Insurance by Zip Code Legend: Honolulu Hilo Kailua Kaneohe Kapolei Allstate State Farm Liberty Mutual 10 20 30 40 50 60 70 80 90 100 110 120 $41 $44 $41 $41 $41 $42 $40 $42 $42 $42 $121 $114 $121 $121 $121

 

  • Automotive Accidents

The lower the accident statistics are in your area, the less you will likely be paying in monthly premiums. In Kaneohe, the most recent accident statistics are fairly low for a population of nearly 35,000 people. You’re probably already saving money as a result of this.

Fatal Accidents in Kaneohe, HI Legend: Kaneohe Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 2 2 2 2 1

 

  • Auto Thefts in Kaneohe

Even in small cities or rural towns, auto theft can still be a problem. In order to make it less of a problem for you, think about installing a passive anti-theft system on your car, especially if it was made in Japan. In recent years, 3 of the top 5 stolen cars in Hawaii were produced in Japan, so owning a Japanese car could put you at greater risk for auto theft if you don’t protect it with a Comprehensive automotive insurance policy. It’s the only form of coverage which pays out if you have to file a stolen vehicle claim.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Allstate State Farm Liberty Mutual 25 50 75 100 125 150 175 200 225 $41 $100 $42 $82 $121 $249

 

  • Your Credit Score

If you have poor credit and you live in Hawaii, you’re in luck. Auto insurers are legally prohibited from charging you double – or even triple – the going rate they would normally give to people with good credit. Unfortunately, because you are paying less, people with better credit have to pay more in order to make sure that the insurance company still makes their profits.
 

  • Your Age

The younger you are, the more likely you are to be charged higher rates for automobile insurance. Most companies assume that, because of your lack of driving experience, that you are more likely to cause an accident. However, you can significantly lower your rates with Driver’s Ed or Good Student discounts.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Allstate State Farm Liberty Mutual 15 30 45 60 75 90 105 120 135 150 165 180 $41 $46 $42 $84 $121 $187

 

  • Your Driving Record

Having several major driving violations, such as a DUI or Reckless Driving, can make it difficult, expensive, or even impossible to find coverage. Even a few minor offenses, such as speeding tickets or a minor fender-bender, could raise your rate – unless your provider offers “Accident Forgiveness” discounts. Contact your agent for more information.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate State Farm Liberty Mutual 15 30 45 60 75 90 105 120 135 150 165 180 $41 $46 $185 $64 $42 $62 $46 $49 $121 $187 Do Not Sell $187

 

  • Your Vehicle

If you want to own a luxury vehicle, but don’t want to be financially put out if it gets stolen, or catches fire, or gets damaged by severe weather, then you’re going to want to buy all of the coverage needed to protect that investment (and in sufficiently high amounts, too). This, as you can see in the chart above, is why luxury vehicles cost so much more to insure.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate State Farm Liberty Mutual 25 50 75 100 125 150 175 200 225 250 $41 $131 $42 $112 $121 $265

 

Minor Car Insurance Factors in Kaneohe

Before you make any major decisions about your insurance policy, be sure to consider these minor factors as well:

  • Your Marital Status

If you’re newly married, then you might not be aware of the fact that you can save money by bundling your automotive insurance policy with that of your spouse. And if you have other policies, such as homeowner’s or motorcycle insurance, you can bundle them for discounts, also (provided your insurer sells those types of coverage).

  • Your Gender

Once upon a time, insurance companies used to make a big deal about gender – and adjusted a customer’s premiums accordingly. These days, however, data shows that there is no real reason to charge men and women different rates. Based on this, most providers charge each gender about the same, give or take a few dollars per month.

  • Your Driving Distance to Work

The typical worker in Kaneohe can expect a work commute of 24-32 minutes each day. Over 65% of these motorists drive their own car to work, while 9-22% prefer to carpool with co-workers. A much smaller percentage take the bus.

Driving fewer miles each year will certainly save money on gas, maintenance, and lower your overall risk of getting into an accident. However, at best, it’ll only lower your monthly premium by about 2-3%. Registering your vehicle for business use, on the other hand, could raise your premiums by 12-13% or more.

  • Your Coverage and Deductibles

New para about how less coverage is more expensive than more coverage, and how high deductibles can make more coverage more affordable

  • Education in Kaneohe, HI

The largest number of motorists in Kaneohe have earned a high school diploma, while around 20% of drivers have achieved a bachelor’s degree. And these residents won’t just benefit from expanding their overall education; they’ll also see lower rates on their car insurance thanks to their efforts. It may sound hard to believe, but having a higher education is even better than having a prestigious job or a high salary when it comes to lower automotive insurance rates.

There are a few local choices to look into if you’d like to pursue an advanced degree in Kaneohe. Windward Community College is a state-sponsored school offering associates degrees to prospective students. Additionally, the Windward Hawaii Loa Campus of Hawaii Pacific University is a private educational institution offering a variety of degrees.

Finding affordable auto insurance can be a hassle. There’s a lot of information you need to consider and, figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Hawaii Department of Commerce and Consumer Affairs – Insurance

Hawaii Department of Commerce and Consumer Affairs – Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

These Companies Offer Lowest Rates on Auto Insurance in Kaneohe, HI – Act Now!

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