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Get Cheap Car Insurance in Kapaia, HI
We monitor insurance prices, helping the average driver in Kapaia save up to 25.6% on car insurance.
The Cheapest Minimum Coverage in Kapaia
The chart below shows the cheapest car insurance company in Kapaia 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.
| Kapaia Insurer | Monthly Cost |
|---|---|
| Geico | $28 |
| Island Insurance | $33 |
| Farmers Insurance | $43 |
| Midvale Home & Auto | $45 |
Savings for Every Kind of Kapaia Driver
Based on our extensive insurance data, we know the average Kapaia 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 $302 per year by choosing the right vehicle insurance company. Some Kapaia residents are paying out over $1,180 extra every year for auto insurance in Kapaia. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Kapaia, HI Savings / Yr. |
|---|---|
$302 |
|
$362 |
|
$369 |
|
$549 |
|
$447 |
|
$0 |
|
$0 |
Kapaia Car Insurance vs. Hawaii
People living in Kapaia pay an average of 13.34% less than the typical driver in the state. The average driver in Kapaia can expect to pay about $526 per year, or $1,180 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Kapaia for most people.
Car Insurance Prices by Kapaia Neighborhood
Insurance Prices
Where is insurance cheapest within Kapaia?
The map shows insurance prices in and around Kapaia, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,180 to a low of $1,180. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Kapaia.Pick the Best Car Insurance Company for You in Kapaia
The best car insurance provider for most drivers in Kapaia
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $302 over the average Kapaia car insurance company.
The best car insurance provider for Kapaia drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $362 over the competition.
The best car insurance company for Kapaia drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $369 better than other car insurance companies.
The best auto insurance for Kapaia drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $549 less each year.
The least expensive car insurance company for new and young drivers in Kapaia
In Kapaia, Geico costs young drivers $447 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Kapaia
The cheapest car insurance in Kapaia for drivers with bad credit
The best Kapaia car insurance company for customer service
Recent price drops
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The cheapest large national provider in Kapaia
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Kapaia driver can expect to pay about $84 per month.
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 Kapaia, 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.Auto Insurance Prices in and Around Kapaia
What Influences the Cost of Car Insurance in Kapaia?
On average, car insurance in Kapaia is actually less expensive than the rest of the state. These low 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 Kapaia is 19 minutes, which is far less 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 moderate, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Kapaia is a fairly densely populated area in the state. The city’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 Kapaia is $44 per month for minimum coverage and $98 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
- Lihue: Insurance costs 6.53% more
- Niumalu: Insurance costs 4.66% more
- Kapaa: Insurance costs 8.56% more
- Kealia: Insurance costs 1.95% less
- Kumukumu: Insurance costs 1.95% less
- Kawaihau: Insurance costs 1.95% less
- Anahola: Insurance costs 9.07% more
- Koloa: Insurance costs 1.86% more
- Kukuiula: Insurance costs 2.88% more
- Lawai: Insurance costs 2.20% more
Cities with Similar Populations
- Homer: Insurance costs 72.46% more
- Hext: Insurance costs 41.86% more
- Hiland: Insurance costs 32.54% more
- Hillville: Insurance costs 19.66% more
- Himmel: Insurance costs 52.46% more
- Holbrook: Insurance costs 32.29% more
- Holden: Insurance costs 11.36% less
- Hollywood: Insurance costs 28.81% more
- Holman: Insurance costs 38.14% more
- Hewins: Insurance costs 31.86% more