Cheapest Car Insurance Quotes in Kailua

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Kailua Car Insurance

^$ 28

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Kailua

The car insurance rate in Kailua is $798 for a six-month policy, which is $31 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $624, making it a popular choice for budget-conscious drivers. Rates in Kailua can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Kailua

$798

Avg. Car Insurance in Hawaii

$767

National Average

$1140

Cheapest Car Insurance Companies in Kailua

1st place: USAA

At $624 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Island Insurance Group

Island Insurance Group offers auto insurance rates at $655 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $742 for six months, making it the third cheapest auto insurance company in Kailua.

Kailua Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kailua, HI is USAA, offering policies at just $624 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $655.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $988 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kailua drivers find the best deals.

Cheap Car Insurance Companies in Kailua, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$624	$105
Island Insurance Group	$655	$111
Farmers	$742	$125
21st Century	$773	$131
Island	$790	$133
Progressive	$828	$139
State Farm	$840	$141
Tradewinds Insurance	$939	$160
Allstate	$988	$166

Key Takeaways

Way's key takeaways about car insurance in Kailua

The auto insurance costs in Kailua fall around $624 for six months.
The cheapest auto insurance company in Kailua is USAA.
Teen drivers pay the highest rate in Kailua at $196 per month.

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Cheapest Minimum Liability Car Insurance in Kailua

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Kailua are given below.

USAA provides the cheapest minimum car insurance coverage in Kailua. Their Average 6 Month Premium is $166. Progressive is the most expensive at $389 for the same period.

Cheapest Liability Coverage in Kailua, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$166	$28
Island Insurance Group	$185	$31
Island	$204	$34
21st Century	$254	$43
Farmers	$259	$44
Allstate	$328	$55
State Farm	$334	$56
Progressive	$389	$66

Cheapest Full Coverage Car Insurance in Kailua

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Kailua is USAA at $105 per month and $624 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kailua, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$624	$105
Island Insurance Group	$655	$111
Farmers	$742	$125
21st Century	$773	$131
Island	$790	$133
Progressive	$828	$139
State Farm	$840	$141
Tradewinds Insurance	$939	$160
Allstate	$988	$166

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Average Car Insurance in Kailua by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Kailua, HI increasing?

Despite maintaining a clean driving record, your car insurance rates in Kailua, Hawaii, may be increasing due to several external factors. Hawaii has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Kailua's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Kailua

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	State Farm	$643
30s	State Farm	$618
40s	State Farm	$618
50s	State Farm	$618
60s	State Farm	$618
70s	State Farm	$618

Cheapest Car Insurance Rates for Teen Drivers in Kailua,HI

If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Kailua at $36 per month. At $1162 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$216	$36
Island Insurance Group	$414	$70
USAA	$445	$75
Farmers	$475	$80
State Farm	$550	$93
Island	$679	$113
21st Century	$773	$131
Allstate	$1093	$184
Progressive	$1162	$196

Teen Car Insurance Rates in HI by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Kailua.

As young drivers face the highest rates in Kailua, State Farm offers the cheapest auto insurance rates at $643 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Car Insurance Rates with An Accident in Kailua

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Kailua, HI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Kailua

The cheapest car insurance companies after an at-fault accident in Kailua include Tradewinds Insurance and USAA, offering $284 and $458, respectively. Progressive is an expensive provider with an average six-month premium of $1285.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$284	$48
USAA	$458	$77
Island Insurance Group	$563	$95
Island	$580	$98
State Farm	$612	$103
Farmers	$853	$144
Allstate	$1192	$201
21st Century	$1267	$215
Progressive	$1285	$216

Kailua Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kailua HI. For example, the car insurance in Kailua after a DUI increases to $1105 for a six month policy. While the rate increases by $86 for a six-month policy in the case of a speeding ticket.

Kailua auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$828	$138
One Med/PIP claim	$828	$140
Not-at-fault accident	$840	$140
One comp claim	$840	$142
Two comp claims	$840	$140
Two Med/PIP claims	$840	$142
Failure to wear a seat belt	$872	$146
Failure to show documents	$877	$149
Child safety restraint	$895	$150
Driving with expired registration	$895	$152
Driving without lights	$895	$150
Cell phone violation	$914	$155
Driving too slowly	$914	$153
Failure to stop at a red light	$914	$155
Failure to yield	$914	$153
Following too closely	$914	$155
Illegal turn	$914	$153
Improper passing	$914	$155
Speeding 11 - 15 MPH over limit	$914	$153
Speeding 6 - 10 MPH over limit	$914	$155
Speeding in school zone	$914	$153
Texting while driving	$914	$155
Wrong way/wrong lane	$914	$153
Speeding 16 - 20 MPH over limit	$927	$158
Passing school bus	$970	$161
At-fault accident - less than $1000	$977	$166
Open container	$1044	$174
Operating a vehicle without permission	$1044	$178
At-fault accident - $1000-$2000	$1082	$180
At-fault accident - greater than $2000	$1082	$184
In 65 MPH zone	$1248	$208
Speeding 21 - 25 MPH over limit	$1260	$214
Reckless driving	$1853	$309
Racing	$1903	$323
Driving with a suspended license	$1921	$320
DUI	$1933	$329
Refusal to submit to a chemical test	$1933	$322
Leaving scene of an accident/hit and run	$1977	$336

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Kailua after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Kailua.

The cheapest car insurance premiums in Kailua are offered by Farmers at $704 for a six-month policy. However, it can be as expensive as $6203 with companies like Island Insurance Group.

Kailua car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$704	$119
USAA	$889	$150
State Farm	$914	$154
Progressive	$958	$161
21st Century	$1347	$229
Allstate	$2305	$388
Island	$5801	$986
Island Insurance Group	$6203	$1034

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Kailua are offered by Island Insurance Group at $185. However, it can be as expensive as $1551 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kailua after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$185	$31
State Farm	$445	$75
Farmers	$593	$100
USAA	$605	$103
Island	$735	$123
Progressive	$1316	$224
Allstate	$1551	$258

Car Insurance Price Trends in Kailua, Hawaii

Car insurance rates in Kailua have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Kailua remained steady at $123 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Kailua remained steady at $43 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Kailua?

The car insurance in Kailua is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Kailua?

The cheapest car insurance in Kailua is $105 per month for full coverage.

How much is car insurance in Kailua for teenagers?

Car insurance for teenagers costs $216 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Kailua?

The average cost of car insurance is $767 for a six-month policy. It will cost around $134 per month to insure your car in Kailua.

Is car insurance expensive in Kailua?

Car insurance can be expensive in Kailua if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Kailua can be affordable.

What is the best car insurance in Kailua, HI?

The best car insurance company in Kailua HI is USAA, offering $624 for a six-month policy.