Cheapest Car Insurance Quotes in Royal Kunia

Finding the cheapest car insurance quotes in Royal Kunia 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.

Enter your zip code to get personalized rates.

Featured in

408,850 Policies Sold

Royal Kunia Car Insurance

^$ 32

/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 Royal Kunia

The car insurance rate in Royal Kunia is $894 for a six-month policy, which is $89 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $699, making it a popular choice for budget-conscious drivers. Rates in Royal Kunia 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 Royal Kunia

$894

Avg. Car Insurance in Hawaii

$805

National Average

$1278

Cheapest Car Insurance Companies in Royal Kunia

1st place: Island Insurance Group

At $699 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 $699 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $818 for six months, making it the third cheapest auto insurance company in Royal Kunia.

Royal Kunia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Royal Kunia, HI is Island Insurance Group, offering policies at just $699 for a six-month term. This is followed by USAA, which has an average six-month premium of $699.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1167 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Royal Kunia drivers find the best deals.

Cheap Car Insurance Companies in Royal Kunia, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$699	$119
USAA	$699	$118
Farmers	$818	$138
21st Century	$825	$138
Progressive	$884	$149
Island	$956	$160
State Farm	$996	$168
Tradewinds Insurance	$1002	$167
Allstate	$1167	$196

Key Takeaways

Way's key takeaways about car insurance in Royal Kunia

The auto insurance costs in Royal Kunia fall around $699 for six months.
The cheapest auto insurance company in Royal Kunia is USAA.
Teen drivers pay the highest rate in Royal Kunia at $121 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 Royal Kunia

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 Royal Kunia are given below.

USAA provides the cheapest minimum car insurance coverage in Royal Kunia. Their Average 6 Month Premium is $191. Progressive is the most expensive at $376 for the same period.

Cheapest Liability Coverage in Royal Kunia, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$191	$32
Island	$198	$33
Island Insurance Group	$198	$33
21st Century	$271	$46
Farmers	$271	$46
State Farm	$336	$57
Allstate	$356	$60
Progressive	$376	$63

Cheapest Full Coverage Car Insurance in Royal Kunia

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 Royal Kunia is Island Insurance Group at $119 per month and $699 for six months.

Cheapest Full Coverage Car Insurance Quotes in Royal Kunia, HI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$699	$119
USAA	$699	$118
Farmers	$818	$138
21st Century	$825	$138
Progressive	$884	$149
Island	$956	$160
State Farm	$996	$168
Tradewinds Insurance	$1002	$167
Allstate	$1167	$196

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Royal Kunia Instantly!

Average Car Insurance in Royal Kunia 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 Royal Kunia, HI increasing?

Despite maintaining a clean driving record, your car insurance rates in Royal Kunia, 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, Royal Kunia's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Royal Kunia

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	$629
30s	State Farm	$605
40s	State Farm	$605
50s	State Farm	$605
60s	State Farm	$605
70s	State Farm	$605

Cheapest Car Insurance Rates for Teen Drivers in Royal Kunia,HI

If you are planning to get a car insurance policy for your teenage dependent, Tradewinds Insurance provides the cheapest car insurance in the Royal Kunia at $39 per month. At $725 for a six-month premium, Island offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tradewinds Insurance	$231	$39
Island Insurance Group	$442	$74
USAA	$514	$87
Farmers	$534	$90
State Farm	$686	$115
21st Century	$825	$138
Progressive	$1240	$209
Allstate	$1332	$224
Island	$725	$121

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 Royal Kunia.

As young drivers face the highest rates in Royal Kunia, State Farm offers the cheapest auto insurance rates at $629 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.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Royal Kunia.

Car Insurance Rates with An Accident in Royal Kunia

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 Royal Kunia, HI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Royal Kunia

The cheapest car insurance companies after an at-fault accident in Royal Kunia include Island and Tradewinds Insurance, offering $264 and $303, respectively. Allstate is an expensive provider with an average six-month premium of $1451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island	$264	$44
Tradewinds Insurance	$303	$51
USAA	$527	$89
Island Insurance Group	$601	$101
State Farm	$751	$127
Farmers	$962	$162
21st Century	$1352	$225
Progressive	$1372	$231
Allstate	$1451	$244

Royal Kunia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Royal Kunia HI. For example, the car insurance in Royal Kunia after a DUI increases to $1179 for a six month policy. While the rate increases by $92 for a six-month policy in the case of a speeding ticket.

Royal Kunia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$884	$148
One Med/PIP claim	$884	$150
Not-at-fault accident	$897	$150
One comp claim	$897	$152
Two comp claims	$897	$150
Two Med/PIP claims	$897	$152
Failure to wear a seat belt	$930	$155
Failure to show documents	$936	$159
Child safety restraint	$956	$160
Driving with expired registration	$956	$162
Driving without lights	$956	$160
Cell phone violation	$976	$165
Driving too slowly	$976	$163
Failure to stop at a red light	$976	$165
Failure to yield	$976	$163
Following too closely	$976	$165
Illegal turn	$976	$163
Improper passing	$976	$165
Speeding 11 - 15 MPH over limit	$976	$163
Speeding 6 - 10 MPH over limit	$976	$165
Speeding in school zone	$976	$163
Texting while driving	$976	$165
Wrong way/wrong lane	$976	$163
Speeding 16 - 20 MPH over limit	$989	$169
Passing school bus	$1036	$172
At-fault accident - less than $1000	$1042	$178
Open container	$1114	$185
Operating a vehicle without permission	$1114	$190
At-fault accident - $1000-$2000	$1154	$192
At-fault accident - greater than $2000	$1154	$196
In 65 MPH zone	$1332	$222
Speeding 21 - 25 MPH over limit	$1345	$229
Reckless driving	$1978	$330
Racing	$2031	$345
Driving with a suspended license	$2050	$342
DUI	$2063	$351
Refusal to submit to a chemical test	$2063	$344
Leaving scene of an accident/hit and run	$2110	$359

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Royal Kunia 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 Royal Kunia.

The cheapest car insurance premiums in Royal Kunia are offered by Farmers at $785 for a six-month policy. However, it can be as expensive as $6192 with companies like Island.

Royal Kunia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers	$785	$132
Progressive	$1022	$172
USAA	$1036	$174
State Farm	$1213	$204
21st Century	$1437	$244
Allstate	$2729	$460
Island Insurance Group	$6620	$1126
Island	$6192	$1052

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 Royal Kunia are offered by Island Insurance Group at $198. However, it can be as expensive as $785 with companies like Island for a similar six-month premium.

Cheapest Car Insurance in Royal Kunia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Island Insurance Group	$198	$33
Farmers	$673	$113
State Farm	$699	$118
USAA	$778	$130
Progressive	$1404	$239
Allstate	$2137	$356
Island	$785	$131

Car Insurance Price Trends in Royal Kunia, Hawaii

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

The average cost of full coverage in the Royal Kunia remained steady at $143 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Royal Kunia remained steady at $44 in both March and February, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Royal Kunia?

The car insurance in Royal Kunia is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Royal Kunia?

The cheapest car insurance in Royal Kunia is $119 per month for full coverage.

How much is car insurance in Royal Kunia for teenagers?

Car insurance for teenagers costs $231 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 Royal Kunia?

The average cost of car insurance is $805 for a six-month policy. It will cost around $150 per month to insure your car in Royal Kunia.

Is car insurance expensive in Royal Kunia?

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

What is the best car insurance in Royal Kunia, HI?

The best car insurance company in Royal Kunia HI is Island Insurance Group, offering $699 for a six-month policy.