Cheap Quotes for Kealakekua, HI Car Insurance (2021)

Kealakekua, Hawaii car insurance rates average $238 a month and Hawaii law requires coverage of at least 20/40/10. By comparing rates from multiple Kealakekua, HI companies, you can find cheap Kealakekua car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Kealakekua, HI after a DUI are $5,756/year
  • The cheapest car insurance company in Kealakekua is State Farm
  • Kealakekua has an average commute time of 20.2 minutes

How do the Kealakekua, Hawaii monthly average car insurance rates of $238/month compare to nearby cities like Hilo car insurance rates, Hanalei car insurance rates, and Anahola car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Kealakekua, HI.

We’ll cover the Hawaii minimum coverage requirements, Hawaii car insurance laws, and Kealakekua, HI statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Kealakekua, Hawaii companies to find the most affordable Kealakekua car insurance rates.

Enter your ZIP code above to find cheap Kealakekua, HI car insurance quotes today.

What are the minimum Kealakekua, HI car insurance requirements?

To meet Hawaii minimum car insurance coverage requirements, Kealakekua, HI drivers need to carry at least 20/40/10 coverage.

Minimum Required Car Insurance Coverage in Kealakekua, Hawaii

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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How do age, gender, and marital status affect Kealakekua, HI car insurance rates?

Three of the criteria that most affect car insurance rates in Kealakekua, Hawaii are age, gender, and marital status. Let’s take a look at how each of these stack up with top Kealakekua car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Kealakekua, Hawaii

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,452 $2,452 $2,452 $2,452 $2,452 $2,452 $2,452 $2,452
Farmers $5,366 $5,366 $5,366 $5,366 $5,850 $5,850 $5,366 $5,366
GEICO $3,709 $3,709 $3,709 $3,709 $3,709 $3,709 $3,709 $3,709
Liberty Mutual $3,634 $3,634 $3,634 $3,634 $3,677 $3,677 $3,634 $3,634
Progressive $2,192 $2,192 $2,192 $2,192 $3,087 $3,087 $2,192 $2,192
State Farm $1,083 $1,083 $1,083 $1,083 $1,083 $1,083 $1,083 $1,083
USAA $1,210 $1,210 $1,210 $1,210 $1,262 $1,262 $1,210 $1,210

How much do teen drivers pay for car insurance in Kealakekua, HI?

Kealakekua, Hawaii car insurance rates for teens are often higher than rates for other drivers. Compare Kealakekua car insurance rates from multiple Kealakekua, Hawaii car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Kealakekua, Hawaii

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $2,452 $2,452
Farmers $5,850 $5,850
GEICO $3,709 $3,709
Liberty Mutual $3,677 $3,677
Progressive $3,087 $3,087
State Farm $1,083 $1,083
USAA $1,262 $1,262

How much do senior drivers pay for car insurance in Kealakekua, HI?

With a little research, seniors can find affordable car insurance in Kealakekua, Hawaii. Here’s a look at how the top Kealakekua car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Kealakekua, Hawaii

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,452 $2,452
Farmers $5,366 $5,366
GEICO $3,709 $3,709
Liberty Mutual $3,634 $3,634
Progressive $2,192 $2,192
State Farm $1,083 $1,083
USAA $1,210 $1,210

How does coverage level affect Kealakekua, HI car insurance rates?

How much coverage do you need? Are you comfortable with the Hawaii minimum of 20/40/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Kealakekua, HI car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Kealakekua, Hawaii

Insurance Company Low Medium High
Allstate $2,280 $2,458 $2,616
Farmers $5,285 $5,524 $5,652
GEICO $3,544 $3,733 $3,849
Liberty Mutual $3,673 $3,445 $3,817
Progressive $2,214 $2,413 $2,620
State Farm $1,013 $1,086 $1,151
USAA $1,151 $1,222 $1,294

How does your driving record affect Kealakekua, HI car insurance rates?

Safe driving pays off. The more traffic violations you have in Kealakekua, HI, the higher your car insurance rates will be. Compare rates based on driving infractions from top Kealakekua, Hawaii companies.

Annual Kealakekua, Hawaii Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $1,460 $2,162 $4,175 $2,009
Farmers $2,625 $3,935 $12,762 $2,625
GEICO $1,552 $2,018 $9,713 $1,552
Liberty Mutual $1,926 $2,417 $7,820 $2,417
Progressive $1,825 $2,575 $2,892 $2,371
State Farm $989 $1,178 $1,083 $1,083
USAA $926 $1,147 $1,849 $968

How does a DUI affect Kealakekua, HI car insurance rates?

With even one DUI on your record, you can see an increase in your Kealakekua, HI car insurance rates.

Annual Car Insurance Rates After a DUI in Kealakekua, Hawaii

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,175
Farmers $12,762
GEICO $9,713
Liberty Mutual $7,820
Progressive $2,892
State Farm $1,083
USAA $1,849

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How does your commute affect Kealakekua, HI car insurance rates?

Kealakekua, HI car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Hawaii can be seen here. Remember, though, that you may have to carry substantially more car insurance in Kealakekua if you’re financing.

Annual Car Insurance Rates by Commute Length in Kealakekua, Hawaii

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,292 $2,611
Farmers $5,487 $5,487
GEICO $3,709 $3,709
Liberty Mutual $3,645 $3,645
Progressive $2,416 $2,416
State Farm $1,083 $1,083
USAA $1,223 $1,223

Who has the cheapest Kealakekua, HI car insurance rates?

Here’s a breakdown of Kealakekua, Hawaii car insurance rates by company. You can see which company offers the cheapest Kealakekua car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Kealakekua, Hawaii

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

What are the top Kealakekua, HI car insurance companies?

Which Kealakekua, Hawaii car insurance company will best fit your needs and budget? Check out this comparison of the top Kealakekua companies to find the one for you.

Average Annual Car Insurance Rates by Company in Kealakekua, Hawaii

Insurance Company Average Annual Rates
Allstate $2,452
Farmers $5,487
GEICO $3,709
Liberty Mutual $3,645
Progressive $2,416
State Farm $1,083
USAA $1,223

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What factors affect Kealakekua, HI car insurance rates?

Why are Kealakekua, Hawaii car insurance rates different than rates in Hilo or Hanalei? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Kealakekua, HI?

More time spent behind the wheel can lead to higher Kealakekua, Hawaii car insurance rates. In Kealakekua, HI, the average commute length is 20.2 minutes.

Car Insurance Quotes for Kealakekua, HI

Shop for affordable Kealakekua, Hawaii car insurance rates today. Enter your ZIP code to compare quotes from multiple Kealakekua, HI car insurance companies.

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