Kailua, HI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Kailua, HI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Factors that can influence the cost of car insurance in Kailua, HI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Kailua, HI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Kailua, HI with that of other cities in and around Kailua.

	Kailua	Kaneohe Station	Waimanalo	Heeia	Kaneohe	Maunawili
Average Insurance Rates	$1,158	$1,611	$1,415	$1,147	$1,092	$1,167

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Kailua, HI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Kailua, HI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Kailua	$2,186	$1,846
Koolaupoko	$2,553	$2,157
Maunawili	$2,179	$1,841
Kaneohe Station	$1,915	$1,617
Kaneohe	$1,537	$1,298
Waimanalo	$1,130	$954
Waimanalo Beach	$1,616	$1,365
Heeia	$1,693	$1,430

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Kailua, HI Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Kailua, HI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$3,758
20 Years	$1,488
30 Years	$1,146
40 Years	$1,103
50 Years	$1,021
60 Years	$1,035
70 Years	$1,205

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Kailua, HI Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Kailua, HI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,038	$278
3 Vehicles	$3,057	$417
4 Vehicles	$4,076	$556

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Kailua, HI Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Kailua, HI.

Location	Average Insurance Cost	Post DUI Insurance Rate
Kailua	$1,158	$4,089
Koolaupoko	$1,134	$4,005
Maunawili	$1,167	$4,121
Kaneohe Station	$1,611	$5,689
Kaneohe	$1,092	$3,856
Waimanalo	$1,415	$4,997
Waimanalo Beach	$1,074	$3,793
Heeia	$1,147	$4,051

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Kailua, HI Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$994
Excellent (740-799)	$1,134
Good (670-739)	$1,207
Average (580-669)	$1,574
Poor (300-579)	$1,889

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Kailua, HI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$51	$1,209
Driver's Failure In Showing Documents	+$112	$1,270
Driving With An Expired Registration	+$119	$1,277
Driving At A Considerably Slow Pace	+$251	$1,409
Using A Cellphone While Driving	+$265	$1,423
Running A Red Light	+$270	$1,428
Speeding	+$284	$1,442
Driving A Vehicle Without The Required Permission	+$360	$1,518
Driving With An Expired/Suspended License	+$780	$1,938

Kailua, HI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,112
Active Disabling Device	$1,112
Tracking Device	$1,089
Passive Disabling Device	$1,077

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Latest Auto Insurance Reviews in Kailua, HI | Back to Top