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Finding the cheapest car insurance quotes in Kalaupapa shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Kalaupapa
The car insurance rate in Kalaupapa is $729 for a six-month policy, which is $38 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $570, making it a popular choice for budget-conscious drivers. Rates in Kalaupapa 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.
At $570 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 $599 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $677
for six months, making it
the third cheapest auto insurance company in Kalaupapa.
Kalaupapa Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Kalaupapa, HI is USAA, offering policies at just $570 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $599.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $903 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kalaupapa drivers find the best deals.
Way's key takeaways about car insurance in Kalaupapa
The auto insurance costs in Kalaupapa fall around $570 for six
months.
The cheapest auto insurance company in Kalaupapa is USAA.
Teen drivers pay the highest rate in Kalaupapa at $179 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Kalaupapa
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 Kalaupapa are given below.
USAA provides
the cheapest minimum car insurance
coverage in Kalaupapa. Their Average 6 Month Premium is $152.
Progressive is the most
expensive at $355 for the same
period.
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 Kalaupapa is USAA
at $96 per month and $570
for six months.
Cheapest Full Coverage Car Insurance Quotes in Kalaupapa,
HI
Get Your Car Insurance Quote in Kalaupapa
Instantly!
Average Car Insurance in Kalaupapa 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 Kalaupapa, HI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Kalaupapa, 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, Kalaupapa's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Kalaupapa
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
$587
30s
State Farm
$564
40s
State Farm
$564
50s
State Farm
$564
60s
State Farm
$564
70s
State Farm
$564
Cheapest Car Insurance Rates for Teen Drivers in
Kalaupapa,HI
If you are planning to get a car insurance policy for your teenage
dependent, Tradewinds Insurance provides the cheapest car
insurance in the Kalaupapa at $33
per
month. At $1061 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties State Farm is
the best choice for car
insurance in Kalaupapa.
As young drivers face the highest rates in Kalaupapa, State Farm
offers the cheapest auto insurance rates at $587 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.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Kalaupapa,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Kalaupapa is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Save up to $971/yr on car insurance rates in Kalaupapa.
Car Insurance Rates with An Accident in Kalaupapa
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 Kalaupapa, HI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Kalaupapa
The cheapest car insurance companies after an at-fault accident in
Kalaupapa include Tradewinds Insurance
and USAA, offering $259
and $418,
respectively. Progressive is an expensive provider
with an average six-month premium of
$1174.
Here is a list of driving violations that can increase your car
insurance rates in Kalaupapa HI. For example, the car
insurance in Kalaupapa
after a DUI increases to $1010 for a six
month policy. While the rate increases by $79 for a six-month policy in the case of
a speeding ticket.
Kalaupapa auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$756
$126
One Med/PIP claim
$756
$128
Not-at-fault accident
$768
$128
One comp claim
$768
$130
Two comp claims
$768
$128
Two Med/PIP claims
$768
$130
Failure to wear a seat belt
$796
$133
Failure to show documents
$801
$136
Child safety restraint
$818
$137
Driving with expired registration
$818
$139
Driving without lights
$818
$137
Cell phone violation
$835
$142
Driving too slowly
$835
$140
Failure to stop at a red light
$835
$142
Failure to yield
$835
$140
Following too closely
$835
$142
Illegal turn
$835
$140
Improper passing
$835
$142
Speeding 11 - 15 MPH over limit
$835
$140
Speeding 6 - 10 MPH over limit
$835
$142
Speeding in school zone
$835
$140
Texting while driving
$835
$142
Wrong way/wrong lane
$835
$140
Speeding 16 - 20 MPH over limit
$846
$144
Passing school bus
$886
$147
At-fault accident - less than $1000
$892
$152
Open container
$954
$159
Operating a vehicle without permission
$954
$162
At-fault accident - $1000-$2000
$988
$164
At-fault accident - greater than $2000
$988
$168
In 65 MPH zone
$1140
$190
Speeding 21 - 25 MPH over limit
$1151
$196
Reckless driving
$1693
$282
Racing
$1739
$295
Driving with a suspended license
$1755
$293
DUI
$1766
$300
Refusal to submit to a chemical test
$1766
$295
Leaving scene of an accident/hit and run
$1806
$307
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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 Kalaupapa 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 Kalaupapa.
The cheapest car insurance premiums in
Kalaupapa are
offered by Farmers at $643 for a six-month policy.
However, it can be as
expensive as $5666 with companies
like Island Insurance Group.
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 Kalaupapa are offered by Island Insurance Group
at $169. However,
it can be as expensive as $1416
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Kalaupapa after Speeding ticket
Car insurance rates in Kalaupapa have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Kalaupapa remained steady at $112 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Kalaupapa remained steady at $39 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Kalaupapa by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Kalaupapa. At $1457 for a
six-month policy, insuring
your car at 96742 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Kalaupapa?
The car insurance in Kalaupapa is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Kalaupapa?
The cheapest car insurance in Kalaupapa
is $96 per month
for full coverage.
How much is car insurance in Kalaupapa for teenagers?
Car insurance for teenagers costs $198 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
Kalaupapa?
The average cost of car insurance is $767 for a six-month
policy. It will cost around $123 per month to insure your
car in Kalaupapa.
Is car insurance expensive in Kalaupapa?
Car insurance can be expensive in Kalaupapa if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Kalaupapa can be
affordable.
What is the best car insurance in Kalaupapa,
HI?
The best car insurance company in Kalaupapa
HI is
USAA, offering $570 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Kalaupapa, HI
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Kalaupapa Car Insurance
