Cheapest Car Insurance Quotes in Kailua

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408,850 Policies Sold

Kailua Car Insurance

^$ 30

/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 $837 for a six-month policy, which is $32 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $655, 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

$837

Avg. Car Insurance in Hawaii

$805

National Average

$1278

Cheapest Car Insurance Companies in Kailua

1st place: Island Insurance Group

At $655 for a six month policy, Island Insurance Group offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA 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 $766 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 Island Insurance Group, offering policies at just $655 for a six-month term. This is followed by USAA, which has an average six-month premium of $655.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1093 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
Island Insurance Group	$655	$111
USAA	$655	$110
Farmers	$766	$129
21st Century	$773	$129
Progressive	$828	$139
Island	$895	$150
State Farm	$933	$157
Tradewinds Insurance	$939	$156
Allstate	$1093	$184

Key Takeaways

Way's key takeaways about car insurance in Kailua

The auto insurance costs in Kailua fall around $655 for six months.
The cheapest auto insurance company in Kailua is USAA.
Teen drivers pay the highest rate in Kailua at $113 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 $179. Progressive is the most expensive at $353 for the same period.

Cheapest Liability Coverage in Kailua, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$179	$30
Island	$185	$31
Island Insurance Group	$185	$31
21st Century	$254	$43
Farmers	$254	$43
State Farm	$315	$53
Allstate	$334	$56
Progressive	$353	$59

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 Island Insurance Group at $111 per month and $655 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kailua, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$655	$111
USAA	$655	$110
Farmers	$766	$129
21st Century	$773	$129
Progressive	$828	$139
Island	$895	$150
State Farm	$933	$157
Tradewinds Insurance	$939	$156
Allstate	$1093	$184

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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	$590
30s	State Farm	$567
40s	State Farm	$567
50s	State Farm	$567
60s	State Farm	$567
70s	State Farm	$567

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 $679 for a six-month premium, Island 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	$482	$81
Farmers	$500	$84
State Farm	$643	$108
21st Century	$773	$129
Progressive	$1162	$196
Allstate	$1248	$210
Island	$679	$113

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 $590 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 Island and Tradewinds Insurance, offering $248 and $284, respectively. Allstate is an expensive provider with an average six-month premium of $1359.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island	$248	$42
Tradewinds Insurance	$284	$48
USAA	$494	$83
Island Insurance Group	$563	$95
State Farm	$704	$119
Farmers	$902	$152
21st Century	$1267	$211
Progressive	$1285	$216
Allstate	$1359	$229

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 $735 for a six-month policy. However, it can be as expensive as $5801 with companies like Island.

Kailua car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$735	$124
Progressive	$958	$161
USAA	$970	$163
State Farm	$1137	$191
21st Century	$1347	$229
Allstate	$2557	$431
Island Insurance Group	$6203	$1055
Island	$5801	$986

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 $735 with companies like Island 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
Farmers	$630	$106
State Farm	$655	$110
USAA	$729	$122
Progressive	$1316	$224
Allstate	$2002	$334
Island	$735	$123

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 $134 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Kailua remained steady at $42 in both March and February, 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 $30 per month, which is lower than the national average.

What is the cheapest car insurance in Kailua?

The cheapest car insurance in Kailua is $111 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 $805 for a six-month policy. It will cost around $140 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 Island Insurance Group, offering $655 for a six-month policy.