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Get Cheap Car Insurance in Kailua Kona, Kailua-Kona, HI

We monitor insurance prices, helping the average driver in Kailua Kona save up to 25.6% on car insurance.

 

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The Cheapest Minimum Coverage in Kailua Kona

The chart below shows the cheapest car insurance company in Kailua Kona for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by Island Insurance, Farmers Insurance, and Midvale Home & Auto.

 
Kailua Kona Insurer Monthly Cost
Geico $33
Island Insurance $39
Farmers Insurance $51
Midvale Home & Auto $53

Savings for Every Kind of Kailua Kona Driver

The table shows how much the average auto insurance customer in Kailua Kona might save by following our recommendations.

Based on our extensive insurance data, we know the average Kailua Kona driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $357 per year by choosing the right vehicle insurance company. Some Kailua Kona residents are paying out over $1,395 extra every year for auto insurance in Kailua Kona. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Kailua Kona, Kailua-Kona, HI Savings / Yr.
Drivers with good records
$357
Drivers with accidents
$428
Drivers with speeding tickets
$436
Drivers with a DUI conviction
$648
Young drivers
$528
Married drivers
$0
Drivers with bad credit
$0

Kailua Kona Car Insurance vs. Kailua-Kona

People living in Kailua Kona pay an average of 2.40% more than the typical driver in the state. The average driver in Kailua Kona can expect to pay about $622 per year, or $1,395 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Kailua Kona for most people.

Car Insurance Prices by Kailua Kona Neighborhood

Kailua Kona, Kailua-Kona, HI map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Kailua Kona?

The map shows insurance prices in and around Kailua Kona, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $140 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,474 to a low of $1,334. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of Kailua Kona.

Pick the Best Car Insurance Company for You in Kailua Kona

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Kailua Kona insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Kailua Kona

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $357 over the average Kailua Kona car insurance company.

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We use the average good driver, paying $86 per month, as our baseline for pricing in Kailua Kona. Geico, Island Insurance, and Farmers Insurance are all good choices for quotes if you have a clean record.

The best car insurance provider for Kailua Kona drivers with accidents on their records

In Kailua Kona getting into an accident will raise premiums an average 17% for a yearly cost of $1,673. That's $279 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Geico, Island Insurance, and Farmers Insurance are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $428 over the competition.

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The best car insurance company for Kailua Kona drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $436 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Kailua Kona, tickets raise premiums on new quotes about $36. If you have a speeding ticket, we recommend Geico, Island Insurance, and Farmers Insurance for savings that beat the average insurance cost of $1,430 per year.

The best auto insurance for Kailua Kona drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,166 per year in auto insurance premiums, which was $1,771 more than a driver with no major issues. State Farm, Progressive, and Farmers Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $648 less each year.

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The least expensive car insurance company for new and young drivers in Kailua Kona

In Kailua Kona, Geico costs young drivers $528 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 37% more for insurance than more mature drivers in Kailua Kona. With an average cost of $2,205 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like Geico, Island Insurance, and Farmers Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Kailua Kona

The state of Hawaii does not allow marriage discounts, so the prices are unchanged if you are married

The cheapest car insurance in Kailua Kona for drivers with bad credit

The state of Hawaii does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Kailua Kona car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Kailua Kona, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks Geico as the best provider in Kailua Kona.

Allstate was the best company for customer service in Kailua Kona according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Kailua Kona, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Kailua Kona. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Kailua Kona

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 40% of Kailua Kona residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Kailua Kona driver can expect to pay about $84 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Kailua Kona, USAA has the best prices for drivers with accidents, good drivers, drivers with speeding tickets, drivers with a DUI conviction, drivers with bad credit, and young drivers.
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Auto Insurance Prices in and Around Kailua Kona

What Influences the Cost of Car Insurance in Kailua Kona?

On average, car insurance in Kailua Kona is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Kailua Kona is 26 minutes, which is a little less than average for a driver in the city.
  • Hawaii state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Kailua Kona is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Kailua Kona is $52 per month for minimum coverage and $116 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Kailua Kona driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Kailua Kona with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.