Kaneohe, HI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Kaneohe, 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 Kaneohe, 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.
- Kaneohe, HI Auto Insurance Rates
- Kaneohe, HI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Kaneohe, HI
- Multi Vehicle Insurance Savings in Kaneohe, HI
- How Credit Score Affects Car Insurance Rates in Kaneohe, HI
- How DUI Affects Auto Insurance Premiums in Kaneohe, HI
- Top Auto Insurance Agents Near Kaneohe, HI
- How Driving Violations Affect Auto Insurance Rates in Kaneohe, HI
- Kaneohe, HI Auto Insurance Discounts on Anti Theft Feature
- Kaneohe, HI Auto Insurance Company Reviews
Kaneohe, HI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Kaneohe, HI with that of other cities in and around Kaneohe.
| Kaneohe | Ahuimanu | Kaneohe Station | Koolaupoko | Kahaluu | Kailua | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,092 | $1,105 | $1,611 | $1,134 | $1,146 | $1,158 |
Kaneohe, 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 Kaneohe, 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) |
|---|---|---|
| Kaneohe | $1,537 | $1,298 |
| Heeia | $1,693 | $1,430 |
| Maunawili | $2,179 | $1,841 |
| Koolaupoko | $2,553 | $2,157 |
| Kaneohe Station | $1,915 | $1,617 |
| Kailua | $2,186 | $1,846 |
| Ahuimanu | $1,453 | $1,228 |
| Kahaluu | $1,535 | $1,296 |
Kaneohe, HI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Kaneohe, 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 | $3,543 |
| 20 Years | $1,403 |
| 30 Years | $1,081 |
| 40 Years | $1,040 |
| 50 Years | $963 |
| 60 Years | $976 |
| 70 Years | $1,136 |
Kaneohe, HI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Kaneohe, 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 | $1,900 | $284 |
| 3 Vehicles | $2,850 | $426 |
| 4 Vehicles | $3,800 | $568 |
Savings on 2 Vehicles bundle:$284
Savings on 3 Vehicles bundle:$426
Savings on 4 Vehicles bundle:$568
Kaneohe, 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 Kaneohe, HI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Kaneohe | $1,092 | $3,856 |
| Heeia | $1,147 | $4,051 |
| Maunawili | $1,167 | $4,121 |
| Koolaupoko | $1,134 | $4,005 |
| Kaneohe Station | $1,611 | $5,689 |
| Kailua | $1,158 | $4,089 |
| Ahuimanu | $1,105 | $3,902 |
| Kahaluu | $1,146 | $4,047 |
Kaneohe, 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) | $937 |
| Excellent (740-799) | $1,069 |
| Good (670-739) | $1,138 |
| Average (580-669) | $1,485 |
| Poor (300-579) | $1,781 |
Kaneohe, HI Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Anita Diniega | State Farm | 1088 Bishop St Apt 2210, Honolulu, 96813-3123 | 808-841-5915 |
| Dee Ann Lee | State Farm | 600 Kapiolani Blvd Ste 210, Honolulu, 96813-5139 | 808-599-7666 |
| Ivy Costa | Liberty Mutual | 711 Kapiolani Blvd Ste 1100, Honolulu, 96813 | 1-808-589-8920 |
| Business Insurance Services Inc | Travelers | 615 PIIKOI ST STE 1901, HONOLULU, 96814 | 808-592-5011 |
| Cynthia Leiko Frost | State Farm | 2615 S King St Ste A205, Honolulu, 96826-3257 | 808-952-5353 |
| Servco Insurance Services Corp | Travelers | 700 BISHOP ST STE 1400, HONOLULU, 96813 | 808-540-3333 |
| Vaclav Penkava | Allstate | 210 Ward Ave Ste 216, Honolulu, 96814 | (808) 536-0780 |
| Sandy Gomes | State Farm | 841 Bishop Street, Honolulu, 96813-3921 | 808-531-9918 |
| Rory Lee | Allstate | 575 Cooke St Ste D, Honolulu, 96813 | (808) 596-8333 |
Kaneohe, 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 | +$48 | $1,140 |
| Driver's Failure In Showing Documents | +$106 | $1,198 |
| Driving With An Expired Registration | +$112 | $1,204 |
| Driving At A Considerably Slow Pace | +$237 | $1,329 |
| Using A Cellphone While Driving | +$250 | $1,342 |
| Running A Red Light | +$254 | $1,346 |
| Speeding | +$268 | $1,360 |
| Driving A Vehicle Without The Required Permission | +$340 | $1,432 |
| Driving With An Expired/Suspended License | +$736 | $1,828 |
Kaneohe, 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 | $1,048 |
| Active Disabling Device | $1,048 |
| Tracking Device | $1,026 |
| Passive Disabling Device | $1,016 |
Latest Auto Insurance Reviews in Kaneohe, HI | Back to Top
GeicoMy premium recently went up a few months ago when we bought another car. And after looking at a few other insurance companies, we are still with Geico, because of the cost, deductibles.
State FarmState Farm insurance has the most competitive rates that I have seen in todays auto insurance market. In my research they beat every other insurance providers rate by a decent margin.
AllstateI am giving a rating of five and that I would recommend this company to others because the service I have received from then in a time of need is unmatched by offerings of other companies.
GeicoCompared to other providers it is not the cheapest company but it seems to have the best reputation for assistance and is very prominent in the real world.
GeicoNice and sweet. Very professional on the phone and anywherer you need them to be,
GeicoNice and sweet. Very professional on the phone and anywherer you need them to be,