Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Kapaau, HI

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

 

Start Saving

;

The Cheapest Minimum Coverage in Kapaau

The chart below shows the cheapest car insurance company in Kapaau 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.

 
Kapaau Insurer Monthly Cost
Geico $34
Island Insurance $40
Farmers Insurance $53
Midvale Home & Auto $55

Savings for Every Kind of Kapaau Driver

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

Based on our extensive insurance data, we know the average Kapaau 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 $370 per year by choosing the right vehicle insurance company. Some Kapaau residents are paying out over $1,445 extra every year for auto insurance in Kapaau. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Kapaau, HI Savings / Yr.
Drivers with good records
$370
Drivers with accidents
$443
Drivers with speeding tickets
$452
Drivers with a DUI conviction
$672
Young drivers
$547
Married drivers
$0
Drivers with bad credit
$0

Kapaau Car Insurance vs. Hawaii

People living in Kapaau pay an average of 6.10% more than the typical driver in the state. The average driver in Kapaau can expect to pay about $644 per year, or $1,445 for full coverage.

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

Car Insurance Prices by Kapaau Neighborhood

Kapaau, HI map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Kapaau?

The map shows insurance prices in and around Kapaau, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $85 per year within the city boundaries, with insurance premiums ranging from a high of $1,477 to a low of $1,392. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Kapaau.

Pick the Best Car Insurance Company for You in Kapaau

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 Kapaau insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Kapaau

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $370 over the average Kapaau car insurance company.

Visit Site

We use the average good driver, paying $90 per month, as our baseline for pricing in Kapaau. Geico, Island Insurance, and Farmers Insurance are all good choices for quotes if you have a clean record.

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

In Kapaau getting into an accident will raise premiums an average 17% for a yearly cost of $1,734. That's $289 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 $443 over the competition.

Visit Site

The best car insurance company for Kapaau drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $452 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Kapaau, tickets raise premiums on new quotes about $37. If you have a speeding ticket, we recommend Geico, Island Insurance, and Farmers Insurance for savings that beat the average insurance cost of $1,482 per year.

The best auto insurance for Kapaau drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,281 per year in auto insurance premiums, which was $1,835 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 $672 less each year.

Visit Site

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

In Kapaau, Geico costs young drivers $547 less each year versus the average auto insurance bill.

Visit Site

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 Kapaau. With an average cost of $2,284 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 Kapaau

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

The cheapest car insurance in Kapaau 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 Kapaau car insurance company for customer service

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

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

Visit Site

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 Kapaau, which was better than other insurers.

Visit Site

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 Kapaau. 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 Kapaau

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 22% of Kapaau residents who are renting, and don't plan to be in the city or state 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 Kapaau driver can expect to pay about $84 per month.

Visit Site

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 Kapaau, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Kapaau

What Influences the Cost of Car Insurance in Kapaau?

On average, car insurance in Kapaau 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 city are influenced by the following factors:

  • The average commute time in Kapaau is 37 minutes, which is a little more than average for a driver in the state.
  • 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 very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Kapaau is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Kapaau is $54 per month for minimum coverage and $120 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 Cities

Cities with Similar Populations

* Who is the average Kapaau driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Kapaau 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.