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Get Cheap Car Insurance in Wailua, Kapaa, HI

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

 

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The Cheapest Minimum Coverage in Wailua

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

 
Wailua Insurer Monthly Cost
Geico $30
Island Insurance $36
Farmers Insurance $46
Midvale Home & Auto $49

Savings for Every Kind of Wailua Driver

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

Based on our extensive insurance data, we know the average Wailua 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 $327 per year by choosing the right vehicle insurance company. Some Wailua residents are paying out over $1,277 extra every year for auto insurance in Wailua. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Wailua, Kapaa, HI Savings / Yr.
Drivers with good records
$327
Drivers with accidents
$392
Drivers with speeding tickets
$399
Drivers with a DUI conviction
$594
Young drivers
$484
Married drivers
$0
Drivers with bad credit
$0

Wailua Car Insurance vs. Kapaa

People living in Wailua pay an average of 6.24% less than the typical driver in the state. The average driver in Wailua can expect to pay about $569 per year, or $1,277 for full coverage.

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

Car Insurance Prices by Wailua Neighborhood

Wailua, Kapaa, HI map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Wailua?

The map shows insurance prices in and around Wailua, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $161 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,318 to a low of $1,157. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of Wailua.

Pick the Best Car Insurance Company for You in Wailua

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

The best car insurance provider for most drivers in Wailua

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $327 over the average Wailua car insurance company.

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We use the average good driver, paying $79 per month, as our baseline for pricing in Wailua. Geico, Island Insurance, and Farmers Insurance are all good choices for quotes if you have a clean record.

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

In Wailua getting into an accident will raise premiums an average 17% for a yearly cost of $1,532. That's $255 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 $392 over the competition.

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The best car insurance company for Wailua drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $399 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 Wailua, tickets raise premiums on new quotes about $33. If you have a speeding ticket, we recommend Geico, Island Insurance, and Farmers Insurance for savings that beat the average insurance cost of $1,310 per year.

The best auto insurance for Wailua drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,899 per year in auto insurance premiums, which was $1,622 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 $594 less each year.

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

In Wailua, Geico costs young drivers $484 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 Wailua. With an average cost of $2,019 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 Wailua

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

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

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

Allstate was the best company for customer service in Wailua 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 Wailua, 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 Wailua. 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 Wailua

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 27% of Wailua 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 Wailua 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 Wailua, 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 Wailua

What Influences the Cost of Car Insurance in Wailua?

On average, car insurance in Wailua 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 neighborhood are influenced by the following factors:

  • The average commute time in Wailua is 29 minutes, which is about the national 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 low, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Wailua is one of the most densely populated areas 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 Wailua is $47 per month for minimum coverage and $106 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 Wailua driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Wailua 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.