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Kapolei, HI

Are you looking for auto insurance in Kapolei? At AutoInsuranceEZ.com, you could find the very best insurance rates near you. To obtain free car insurance quotes from the leading providers today, provide your zip code into the quote box on this page.

Kapolei is located on the island of Oahu and is the second largest city on that particular island. In the past, the land was prosperous as a sugarcane plantation and lucrative pineapple farmland. It is a fairly young city which didn’t begin its biggest growth spurt until the late 80’s, but it is soon becoming one of the richest cities in the state.

  • Fun fact: Did you know that the lowest ever recorded temperature in Kapolei was 49 degrees Fahrenheit back in 2005? Learn more about Kapolei, Hawaii.

Auto Insurance Coverage Requirements in Hawaii

Driving legally in Kapolei 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

The older your car is, that the less expensive it is to replace or repair, the less insurance coverage you need to buy. For newer vehicles, especially if you’re still financing it, you might want to have more than just Liability coverage.

Did you know that the average monthly payment for an auto policy in Hawaii is around $114 per month? However, Kapolei residents have the opportunity to get it for as low as $68/mo* – if you act fast. Some of these offers and discounts won’t be around forever.

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

 

Looking at the chart above, it’s hard to say why there are such major differences between Liberty Mutual, and the more affordable competition. Each company has their own way of calculating risk aversion, and what premiums to charge based on statistical data in your area. Before grabbing for the lowest rate, make sure your insurer has other positive attributes, such as a high customer service ranking.

Auto insurance companies consider different elements when establishing insurance quotes, including geography, zip code, credit score/rating, driving distance to work, and multiple cars and drivers. Also keep in mind that premiums differ from provider to provider. To make sure you’re still being charged the most affordable rate, compare cheap Hawaii auto insurance quotes online.

Major Car Insurance Factors in Kapolei

There are a variety of things which can factor into the rate quotes you receive. Even though a portion of these factors aren’t really something you can do something about, a few of them are elements which you can change for the better. Here are some components that might alter your car insurance premium:

  • Your Zip Code

Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars means a smaller chance that you will get into a collision with another vehicle. The population of Kapolei is 15,186 and the median household income is $73,388.

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

Accident statistics are a factor which may raise or lower your rate, depending on the numbers. For having such a small population, accident rates in Kapolei are still fairly high. Talk to your agent and see if your provider offers any Safe Driver discounts to offset any potential rate increases.

Fatal Accidents in Kapolei, HI Legend: Kapolei Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 2 4 6 8 10 12 14 16 18 6 10 2 8 18 1

 

  • Auto Thefts in Kapolei

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. Additionally, if you are one of the many Kapolei residents who own a luxury vehicle, spending a little extra on an anti-theft device could save you between $200-$300 a year off your car insurance. With that much savings, you could add Comprehensive coverage to your policy and protect yourself from theft that much more thoroughly.

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

In most states, insurance companies are legally permitted to take your credit score into account when determining your rate. This is not the case in Hawaii. This benefits people with low credit scores, because it protects them from being charged a higher rate for having poor credit. However, insurers tend to raise everyone’s rate to compensate, which means that motorists with good credit might be paying higher premiums than they should.
 

  • Your Age

Older drivers tend to have more experience behind the wheel, and are therefore less likely to get into a wreck. For this reason, they are charged much lower insurance premiums. However, young drivers under the age of 25 might be able to save with Good Student or Driver’s Ed 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 $84 $42 $46 $121 $187

 

  • Your Driving Record

Worried about that speeding ticket you got two years ago raising your rates? While that might be a specific example, most drivers have one or two minor blemishes on their driving record. But this doesn’t necessarily make them a high-risk motorist. Several providers are offering “accident forgiveness” discounts so that slightly imperfect drivers don’t have to pay a fortune for their insurance policies.

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 $62 $185 $64 $42 $46 $46 $49 $121 $187 Do Not Sell $187

 

  • Your Vehicle

Drivers who can afford a luxury vehicle need to also make sure there’s room for a luxury insurance plan in their budget. As the chart shows, it costs a significantly higher amount to insure a luxury vehicle each month than your typical sedan. But you need more coverage, and in higher amounts, or else you won’t be sufficiently protecting your investment.

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 Kapolei

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

  • Your Marital Status

Have you recently got married? Then you might be entitled to discounts that you never knew about. For example, married spouses can bundle their policies together for significant savings. You can even bundle your homeowner’s or renter’s insurance, too.

  • Your Gender

People used to believe that one gender was better at driving than the other. Modern insurance providers, however, are thinking differently. Most companies are changing their policies to reflect the times, offering identical rates regardless of gender (all other factors being equal).

  • Your Driving Distance to Work

Although the city has recently invested millions in infrastructure improvements, traffic can still be a problem for Kapolei residents. Like many Oahu drivers, commute times can average between 31-43 minutes or more. But carpooling is starting to become a more popular mode of transportation – anywhere from 8-20% of Kapolei drivers travel to work together.

Driving fewer miles each year will save you a bundle on gas money and maintenance costs, but it might not save as much as you’d think on your insurance premiums. But do you know where the biggest savings is hiding? Registering your vehicle for personal use (this covers miles driven to/from work/school, and recreational driving). Business vehicles are charged anywhere from 10-13% more than personal vehicles.

  • Your Coverage and Deductibles

Is your deductible fairly low? Well, if you raise it, you could be saving a substantial amount of money on your premiums. You could even afford to add extra coverage for the same rate that you’re paying now. Just be wary of the extra expense when you have to file a claim.

  • Education in Kapolei, HI

Because Kapolei is such an affluent community, it is no surprise to see that many of its residents have a bachelor’s degree or higher. But aside from the traditional benefits of higher education, there is one additional bonus that most people aren’t aware of: auto insurance companies like to give lower rates to highly educated drivers. Believe it or not, it’s even more important than your income or your official job description.

If you’re looking for an advanced degree in Kapolei, you may be in for a bit of a commute. Due to the city’s young age, not very many institutions of higher education have had a chance to set up shop locally. However, Honolulu is reasonably close, and offers a plethora of educational options for students of all ages.

Unfortunately for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance 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 Kapolei, Hawaii – Act Now

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