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Koloa Car Insurance
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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.
The car insurance rate in Koloa is $667 for a six-month policy, which is $100 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $522, making it a popular choice for budget-conscious drivers. Rates in Koloa 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 $522 for a six month policy, USAA offers the cheapest auto insurance rates in the city.
Island Insurance Group offers auto insurance rates at $548 for a six-month policy, making it one of the cheapest to insure with.
Farmers offers auto insurance rates at $620 for six months, making it the third cheapest auto insurance company in Koloa.
Based on our research, the cheapest car insurance company in Koloa, HI is USAA, offering policies at just $522 for a six-month term. This is followed by Island Insurance Group, which has an average six-month premium of $548.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $827 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Koloa drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $522 | $88 |
| Island Insurance Group | $548 | $93 |
| Farmers | $620 | $104 |
| 21st Century | $646 | $110 |
| Island | $661 | $111 |
| Progressive | $693 | $117 |
| State Farm | $703 | $118 |
| Tradewinds Insurance | $786 | $134 |
| Allstate | $827 | $139 |
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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 Koloa are given below.
USAA provides the cheapest minimum car insurance coverage in Koloa. Their Average 6 Month Premium is $139. Progressive is the most expensive at $325 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $139 | $23 |
| Island Insurance Group | $155 | $26 |
| Island | $171 | $29 |
| 21st Century | $212 | $36 |
| Farmers | $217 | $37 |
| Allstate | $274 | $46 |
| State Farm | $279 | $47 |
| Progressive | $325 | $55 |
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 Koloa is USAA at $88 per month and $522 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $522 | $88 |
| Island Insurance Group | $548 | $93 |
| Farmers | $620 | $104 |
| 21st Century | $646 | $110 |
| Island | $661 | $111 |
| Progressive | $693 | $117 |
| State Farm | $703 | $118 |
| Tradewinds Insurance | $786 | $134 |
| Allstate | $827 | $139 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Koloa, 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, Koloa's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | State Farm | $538 |
| 30s | State Farm | $517 |
| 40s | State Farm | $517 |
| 50s | State Farm | $517 |
| 60s | State Farm | $517 |
| 70s | State Farm | $517 |
If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Koloa at $30 per month. At $972 for a six-month premium, Progressive offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Tradewinds Insurance | $181 | $30 |
| Island Insurance Group | $346 | $58 |
| USAA | $372 | $63 |
| Farmers | $398 | $67 |
| State Farm | $460 | $77 |
| Island | $568 | $95 |
| 21st Century | $646 | $110 |
| Allstate | $914 | $154 |
| Progressive | $972 | $164 |
Teen Car Insurance Rates in HI by Age
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.
Save up to $971/yr on car insurance rates in Koloa.
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 Koloa, HI, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Koloa include Tradewinds Insurance and USAA, offering $238 and $383, respectively. Progressive is an expensive provider with an average six-month premium of $1075.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Tradewinds Insurance | $238 | $40 |
| USAA | $383 | $64 |
| Island Insurance Group | $471 | $79 |
| Island | $485 | $82 |
| State Farm | $512 | $86 |
| Farmers | $713 | $120 |
| Allstate | $997 | $168 |
| 21st Century | $1060 | $180 |
| Progressive | $1075 | $181 |
Here is a list of driving violations that can increase your car insurance rates in Koloa HI. For example, the car insurance in Koloa after a DUI increases to $924 for a six month policy. While the rate increases by $72 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $693 | $116 |
| One Med/PIP claim | $693 | $117 |
| Not-at-fault accident | $703 | $117 |
| One comp claim | $703 | $119 |
| Two comp claims | $703 | $117 |
| Two Med/PIP claims | $703 | $119 |
| Failure to wear a seat belt | $729 | $122 |
| Failure to show documents | $733 | $124 |
| Child safety restraint | $749 | $125 |
| Driving with expired registration | $749 | $127 |
| Driving without lights | $749 | $125 |
| Cell phone violation | $765 | $130 |
| Driving too slowly | $765 | $128 |
| Failure to stop at a red light | $765 | $130 |
| Failure to yield | $765 | $128 |
| Following too closely | $765 | $130 |
| Illegal turn | $765 | $128 |
| Improper passing | $765 | $130 |
| Speeding 11 - 15 MPH over limit | $765 | $128 |
| Speeding 6 - 10 MPH over limit | $765 | $130 |
| Speeding in school zone | $765 | $128 |
| Texting while driving | $765 | $130 |
| Wrong way/wrong lane | $765 | $128 |
| Speeding 16 - 20 MPH over limit | $775 | $132 |
| Passing school bus | $812 | $135 |
| At-fault accident - less than $1000 | $817 | $139 |
| Open container | $873 | $145 |
| Operating a vehicle without permission | $873 | $149 |
| At-fault accident - $1000-$2000 | $905 | $151 |
| At-fault accident - greater than $2000 | $905 | $154 |
| In 65 MPH zone | $1044 | $174 |
| Speeding 21 - 25 MPH over limit | $1054 | $179 |
| Reckless driving | $1550 | $258 |
| Racing | $1592 | $271 |
| Driving with a suspended license | $1607 | $268 |
| DUI | $1617 | $275 |
| Refusal to submit to a chemical test | $1617 | $270 |
| Leaving scene of an accident/hit and run | $1654 | $281 |
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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.
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 Koloa.
The cheapest car insurance premiums in Koloa are offered by Farmers at $589 for a six-month policy. However, it can be as expensive as $5189 with companies like Island Insurance Group.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers | $589 | $99 |
| USAA | $744 | $125 |
| State Farm | $765 | $129 |
| Progressive | $801 | $135 |
| 21st Century | $1127 | $191 |
| Allstate | $1928 | $325 |
| Island | $4853 | $825 |
| Island Insurance Group | $5189 | $865 |
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 Koloa are offered by Island Insurance Group at $155. However, it can be as expensive as $1297 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Island Insurance Group | $155 | $26 |
| State Farm | $372 | $63 |
| Farmers | $496 | $84 |
| USAA | $506 | $86 |
| Island | $615 | $103 |
| Progressive | $1101 | $187 |
| Allstate | $1297 | $216 |
Car insurance rates in Koloa have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Koloa remained steady at $103 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Koloa remained steady at $36 in both December and November, indicating no change over the two month period.
How much is car insurance in Koloa?
The car insurance in Koloa is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Koloa?
The cheapest car insurance in Koloa is $88 per month for full coverage.
How much is car insurance in Koloa for teenagers?
Car insurance for teenagers costs $181 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 Koloa?
The average cost of car insurance is $767 for a six-month policy. It will cost around $112 per month to insure your car in Koloa.
Is car insurance expensive in Koloa?
Car insurance can be expensive in Koloa if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Koloa can be affordable.
What is the best car insurance in Koloa, HI?
The best car insurance company in Koloa HI is USAA, offering $522 for a six-month policy.
Cut auto insurance costs in Koloa right now.