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

Kaneohe, HI auto insurance has a minimum coverage of 20/40/10. Finding cheap car insurance in Kaneohe, HI requires some shopping around. One of the best Kaneohe, HI car insurance companies, State Farm, offers $41 monthly.

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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 lists its minimum liability coverage as 20/40/10. Drivers searching for cheap car insurance in Kaneohe, HI will be able to find affordable rates. Allstate, State Farm, and Liberty Mutual are some of the most affordable Kaneohe, HI car insurance companies. Allstate and State Farm offer Kaneohe, HI auto insurance monthly rates of $41 and $42 respectively.

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”?

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

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 PremiumsLegend: Kaneohe Allstate State Farm Liberty Mutual 102030405060708090100110120$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.

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Major Factors in Cheap Car Insurance in Kaneohe, Hawaii

Kaneohe, HI auto 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 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

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, HILegend: Kaneohe Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 1222221

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 PolicyLegend: Basic Coverage Comprehensive Coverage Allstate State Farm Liberty Mutual 255075100125150175200225$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 Kaneohe, HI auto insurance rates. 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 ComparisonLegend: 34 Year Old 17 Year Old Allstate State Farm Liberty Mutual 153045607590105120135150165180$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 ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate State Farm Liberty Mutual 153045607590105120135150165180$41$46$185$64$42$62$46$49$121$187Do 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/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 Kaneohe, Hawaii

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 Kaneohe, HI 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.


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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