Kailua, HI Auto Insurance | Cheap Car Insurance in Kailua, HI

Kailua, HI auto insurance requires a minimum liability coverage of 20/40/10. Residents who are searching for cheap car insurance in Kailua, HI can pay $41 monthly with Allstate. Some of the best Kailua, HI car insurance companies are: Allstate, State Farm, and Liberty Mutual.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Hawaii auto insurance requires a 20/40/10 minimum in liability coverage. Residents can find cheap car insurance in Kailua, HI starting at $41 monthly, offered by Allstate. Other best Kailua, HI car insurance companies include State Farm and Liberty Mutual, each offering competitive Kailua, HI auto insurance rates.

Kailua is a residential suburb located just to the northeast of Honolulu. It has a small but popular commercial district which shoppers flock to on a regular basis, and Kailua Beach is perhaps one of the most popular tourist destinations on the Island of Honolulu. Its name means “two rivers”.

Fun fact: Did you know that Kailua is #15 on the list of “Top 101 cities with largest percentage of females in occupations: Health diagnosing and treating practitioners and other technical occupations: (population 5,000+)”?

Are you looking for cheap auto insurance in KailuaHI? At AutoInsuranceEZ.com, you can get the very best insurance rates in your area. To find free Kailua, HI auto insurance quotes from the best providers today, key your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Hawaii

Getting insured in Hawaii is fairly easy, provided you purchase at least the following coverage:

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 less money your vehicle is worth, the less insurance coverage you realistically need to buy. After all, are you going to buy Comprehensive or Collision coverage for an old, used clunker? Probably not. But if you’re driving a brand new, expensive vehicle, you’ll probably want more coverage.

Typical Hawaii drivers are paying around $114 per month for their automotive insurance policies right now. But you don’t have to be lumped in with the average driver. As a matter of fact, Kailua residents can get insured for as little as $68/mo*. We’ll show you how.

Average Monthly Auto Insurance PremiumsLegend: Kailua Allstate State Farm Liberty Mutual 102030405060708090100110120$41$42$121

It’s hard to determine why rates vary so wildly between some providers in Hawaii. The state has different insurance laws from the rest of the continental US, which can play a factor. There may also be significant differences in the quality of customer service or claims filing. Remember, a low rate isn’t everything. You have to consider the company as a whole.

Kailua, HI auto insurance companies contemplate numerous elements when establishing insurance quotes, including gender, occupation, miles driven each year, the color of your automobile, and theft protection devices. Also keep in mind that premiums differ from provider to provider. To make sure you’re still receiving the most affordable Kailua, HI auto insurance, compare cheap Kailua auto insurance quotes online.

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Major Factors in Cheap Car Insurance in Kailua, Hawaii

There is a variety of many 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

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Kailua is 11,975 and the median household income is $54,273.

Auto Insurance by ZIP CodeLegend: Honolulu Hilo Kailua Kaneohe Kapolei Allstate State Farm Liberty Mutual 102030405060708090100110120$41$44$41$41$41$42$40$42$42$42$121$114$121$121$121

Automotive Accidents

If accidents are high in your area, it may inflate your insurance premiums due to the increased accident risk. Based on the population, accidents in Kailua are fairly low. But you may be able to lower your premiums with a safe driver discount.

Fatal Accidents in Kailua, HILegend: Kailua Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 123456789101112361312

Auto Thefts in Kailua

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost cars insurance in Kailua, Hawaii. As far as auto theft goes, the #1 stolen car in Hawaii is the Honda Civic. If you drive a car which you feel is at risk for theft, consider adding Comprehensive coverage to your policy.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Allstate State Farm Liberty Mutual 255075100125150175200225$41$100$42$82$121$249

Your Credit Score

Hawaii is one of three states where it is illegal for an insurance company to base your monthly premium on your credit score. For people with poor credit, this means you are paying less each month than the national average. However, companies sometimes raise rates for everyone to offset the potential profit loss.


Your Age

Older drivers are charged significantly lower rates than teenagers and young adults in their early 20’s. The extra driving experience which older adults possess helps them get into fewer accidents, and they are consequently rewarded with lower rates. If you are a young driver, try applying for a Good Student or a driver’s education discount to lower your rate.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Allstate State Farm Liberty Mutual 153045607590105120135150165180$41$84$42$46$121$187

Your Driving Record

Are you a generally safe driver who has to pay higher rates for insurance because you have a few minor infractions on your driving record? Contact your agent today and ask about “Accident Forgiveness”. It’s a new trend in the industry which could save motorists like yourself a good deal of money each month.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate State Farm Liberty Mutual 153045607590105120135150165180$41$62$185$64$42$46$46$49$121$187Do Not Sell$187

Your Vehicle

If you’re going to buy a top of the line luxury vehicle, you’re going to want a top of the line insurance plan to protect it. Unfortunately, such plans are not cheap. But if you can afford a luxury vehicle, odds are that the necessary insurance coverage isn’t out of reach for you, either.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate State Farm Liberty Mutual 255075100125150175200225250$41$131$42$112$121$265

Minor Factors in Cheap Auto Insurance in Kailua, Hawaii

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

Your Marital Status

Whether you’ve been married for days, months, or years, if you aren’t bundling your auto policy with your spouse, you should be! Most insurers offer some serious discounts for married couples who bundle together.

Your Gender

Most insurance providers see no statistically significant difference between male and female drivers. And because of this, they are slowly phasing out the practice of charging one gender higher rates than the other. If the price varies at all, it is usually by no more than a few dollars each month.

Your Driving Distance to Work

Because Kailua is a residential suburb of much larger neighboring cities, residents can expect an average commute of 24-30 minutes while driving to work each day. Approximately 70% of workers prefer to drive their own car, while another 9-16% carpool.

Want to save money on gas, vehicle maintenance, and monthly insurance premiums? Well, by limiting your yearly mileage, you can accomplish two out of three of those goals. Unfortunately, driving less each year only lowers your premiums by about 1-2%. Registering your vehicle for business use, however, can raise your premiums by 12% or more.

Your Coverage and Deductibles

Most drivers don’t know what a significant difference their deductible makes when it comes to their monthly premiums. Raising your deductible can either drastically slash your Kailua, HI auto insurance rates, or make room for more coverage for the same price you’re paying now. Just make sure you budget for that expensive deductible – just in case.

Education in Kailua, HI

Nearly 1/3 of drivers in Kailua have completed their high school education (or have earned a similar diploma). To a lesser extent, many drivers are working on obtaining a bachelor’s degree. They must have found out that going for a higher education can save them money on their auto insurance rates. After all, it’s even better than having a high salary, or a special job (as far as car insurance discounts go).

There might not be many choices for higher learning in Kailua, but that doesn’t mean you shouldn’t consider improving upon your education. Honolulu, the largest city in the state of Hawaii, is less than 20 miles away and is host to dozens of public and private institutions.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

How We Conducted the 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.


Hawaii Department of Commerce and Consumer Affairs – Insurance

Hawaii Department of Commerce and Consumer Affairs – Financial Institutions

Department of Highway Safety and Motor Vehicles



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