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Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Koloa Hawaii

Why Are Car Insurance Rates So Expensive Near Me

Hawaii is an incredibly popular vacation destination, but it’s also a state where drivers pay some of the highest car insurance rates in the country. Koloa Hawaii has unique challenges, such as its remote location and high cost of living, that contribute to higher auto insurance premiums. Hawaii’s strict insurance regulations can also make it difficult for drivers to find affordable coverage options. The combination of these factors creates a challenging situation for Hawaii drivers who are trying to obtain affordable car insurance coverage. With careful research and comparison shopping, however, Hawaii drivers can find competitively priced auto insurance policies that meet their needs.

Car Insurance Quotes by Age of Driver(15 to 70)

Age of Driver Insurance Cost
Teens $3,521
20 Years $1,394
30 Years $1,074
40 Years $1,033
50 Years $957
60 Years $970
70 Years $1,129

Auto Insurance Rates for Young vs Older People

Hawaii has one of the highest average auto insurance rates in the U.S.; however, Hawaii drivers who are young (under 25) and older (over 65) may be able to find lower car insurance premiums than their counterparts in other states. Hawaii’s strict insurance regulations require insurers to charge a higher premium for younger drivers; this is due to the fact that they are statistically more likely to engage in risky driving behavior such as speeding or drinking and driving. Koloa also offers discounts for older drivers, who tend to have fewer accidents and less severe claims than their younger counterparts.

Finding Low-Cost Hawaii Car Insurance

Finding low-cost Koloa car insurance can be challenging due to the state’s high cost of living and remote location. Hawaii drivers can find competitively priced auto insurance policies by shopping around and comparing multiple providers. Hawaii drivers should also consider increasing their deductible and choosing optional coverage that meets their individual needs, such as liability or collision coverage. Additionally, Hawaii drivers may be able to obtain discounts if they have a clean driving record or are members of certain organizations.

Best Auto Insurance Companies in Hawaii

Allstate

USAA

Farmers

Progressive

Geico

NAIC Market Share

9.33%

6.01%

4.16%

12.25%

13.45%

S&P Global Ratings

A-

AA+

A

A

AA+

Average Full Coverage Yearly Premium

$1578

$960

$2,456

$1,640

$871

Discount Rating

4 stars

5 stars

4 stars

4 stars

5 stars


Allstate

USAA

Farmers

Progressive

Geico

NAIC Market Share

9.33%

6.01%

4.16%

12.25%

13.45%

S&P Global Ratings

A-

AA+

A

A

AA+

Average Full Coverage Yearly Premium

$1578

$960

$2,456

$1,640

$871

Discount Rating

4 stars

5 stars

4 stars

4 stars

5 stars


Allstate

USAA

Farmers

Progressive

Geico

NAIC Market Share

9.33%

6.01%

4.16%

12.25%

13.45%

S&P Global Ratings

A-

AA+

A

A

AA+

Average Full Coverage Yearly Premium

$1578

$960

$2,456

$1,640

$871

Discount Rating

4 stars

5 stars

4 stars

4 stars

5 stars


Car Insurance Companies Near Me

Title Guaranty

3417 Poipu Rd # 106, Koloa, HI 96756

(808) 742-8485

http://www.tghawaii.com/

Old Republic Title

3176 Poipu Rd #3, Koloa, HI 96756

(808) 742-1494

https://www.oldrepublictitle.com/hawaii/kauai/koloa

Royal State Insurance

4370 Kukui Grove St STE 105, Lihue, HI 96766

(808) 245-4571

No website found

Blaire Naumu: Allstate Insurance

4491 Rice St #101, Lihue, HI 96766

(808) 246-2665

https://agents.allstate.com/blaire-naumu-lihue-hi.html

Eric Kaneda - State Farm Insurance Agent

2970 Haleko Rd #106, Lihue, HI 96766

(808) 245-3554

https://www.erickaneda.com/

Skip Koenig - State Farm Insurance Agent

4491 Kolopa St, Lihue, HI 96766

(808) 632-0406

http://www.skipkoenig.com/

Comparing the Best Car Insurance Companies Nearby

Choosing an auto insurance policy can be difficult, so we’ve put together a list of Hawaii’s top car insurance companies based on customer reviews and financial strength. This way you can make an informed decision about which company is best for your needs. Koloa offers great deals from companies like USAA, State Farm, Allstate, Progressive, Geico and Hawaii Automobile Insurance Association (HAIA). All these providers offer competitive rates along with personalized service and excellent customer support.

USAA is one of Hawaii’s largest car insurance providers and their policies come with discounts for members of the military, veterans and their families. State Farm is Hawaii’s second-largest car insurance provider and they offer a wide range of discounts on both auto and home policies. Allstate provides excellent coverage options along with competitive rates and outstanding customer service. Progressive is Hawaii’s third-largest car insurance provider and they offer discounts for multiple vehicles, safe driving records and more. Geico has some of the best rates in Koloa for good drivers as well as great customer service.

Hawaii Automobile Insurance Association (HAIA) offers low cost liability coverage as well as comprehensive coverage from Hawaii-based insurers. They also provide roadside assistance services to members at no extra cost. It pays to shop around when it comes to finding the best car insurance in Koloa and these are some of the best companies to consider. Be sure to compare rates, coverage options and customer service before making a final decision.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$5019$1019
Reckless Driving$3917$987
Wrong Way/Wrong Lane$3834$958
Driving on Sus. License$3793$931
Illegal Turn$3723$906
Failure to Obey Traffic Sign$3669$862
Speeding over 15$3580$873
Defective Equipment$3510$820
Speeding under 15$3505$758

How Driving Infractions Increase Insurance Premiums

Hawaii is a no-fault state, which means that Koloa drivers are responsible for the cost of their insurance premiums regardless of who is at fault in an accident. Driving infractions such as speeding tickets, DUIs and reckless driving can all cause your premium to skyrocket.

Speeding tickets are one of the most common causes of premium increases in Koloa. If you receive multiple speeding tickets within a certain time period, your insurer may require you to file an SR22 form with the Department of Motor Vehicles and pay higher premiums for several years.

DUIs also have serious consequences when it comes to auto insurance rates in Koloa. A DUI conviction can nearly double your car insurance rates due to the increased risk associated with it. Hawaii also has high surcharges for DUIs, which can be up to $1,000 per year in addition to your regular premium.

Reckless driving is another infraction that can lead to an increase in Koloa auto insurance premiums. Reckless driving includes activities such as speeding, racing and careless operation of a vehicle. A conviction for reckless driving will result in higher premiums and could also lead to license suspension or revocation.

It’s important to remember that all these infractions can cause your Koloa HI car insurance rate to go up significantly. It pays to drive responsibly and follow the rules of the road so you don’t have to worry about costly increases in your premium due to traffic violations or reckless behavior behind the wheel.

By following all the Hawaii traffic laws, carrying adequate insurance coverage and shopping around for the best rates, you can make sure that your premium remains as affordable as possible. Hawaii drivers have access to some great car insurance companies and with a bit of research you can find an insurer that offers good rates and excellent customer service. Make sure to compare multiple providers before making your decision so that you can get the best policy at the most affordable rate. With these tips in mind, Koloa drivers should be able to save money on their auto insurance premiums while still enjoying peace of mind knowing they’re properly protected.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $1111
Below Fair $1207
Poor $1245
Worst $1296

Does Credit Score Matter When Getting Cheaper Quotes?

The short answer is yes. Hawaii is one of the states that allow insurance companies to use credit scores when calculating rates for car insurance policies. A good credit score can help you get a better rate on your Koloa policy, whereas a bad credit score can increase your premiums significantly.

Insurance companies in Hawaii look at several factors when calculating premium costs, including driver history and the type of coverage being requested. But they also consider credit worthiness in order to determine how likely you are to make claims or pay premiums on time. Although Hawaii doesn't mandate that insurers use this data, many do as it helps them set rates based on risk.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Koloa Hawaii

Don't Forget The Total Monthly Cost of Your Vehicle

When it comes to Hawaii auto insurance, most drivers focus on the cost of their premiums. However, when calculating your total monthly vehicle costs, you should also include other costs such as taxes, registration fees and repair costs. Koloa has some of the highest car registration fees in the country, so don’t forget to factor those into your budget.

It's also important to consider any additional coverage you may want or need for Koloa driving. For example, if you live in a flood-prone area or are frequently traveling long distances on island roads, you may be able to get additional coverage at a discounted rate. Make sure to shop around for the best deal before making a decision.

Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.

car insurance companies Koloa HI

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Full Coverage vs Liability Only Insurance in Hawaii

When it comes to Koloa Hawaii auto insurance, you have two main options: full coverage and liability only. Full coverage provides the most comprehensive protection and usually includes collision, comprehensive, personal injury protection (PIP), bodily injury liability, property damage liability and uninsured motorist coverage. Liability-only policies are cheaper but provide less protection. They cover bodily injury and property damage caused by you in an accident, but not any of your own damages or injuries.

State Auto Insurance Minimums in Hawaii

In Koloa, drivers are required to carry a minimum of $20,000 in bodily injury liability per person and $40,000 in total bodily injury liability per accident. Property damage liability coverage must also be carried with a minimum limit of $10,000. Hawaii also requires all drivers to have uninsured motorist coverage with the same limits as their liability coverage.

It's important to remember that these limits may not be enough to cover you completely if you’re involved in an accident. Increasing your limits can help protect you financially if something goes wrong while on the road in Koloa. Speak with an insurance agent or broker to determine how much coverage is right for you and your family.

Non-Owner Car Insurance in HI

Non-owner car insurance is a type of policy designed for Koloa drivers who don’t own a vehicle but still need to be insured. Hawaii has relatively low auto insurance rates compared to the rest of the country, so non-owner policies are typically quite affordable in this state.

Non-owner policies provide liability coverage while operating another person’s vehicle, as well as uninsured/underinsured motorist protection and sometimes medical payments coverage. They also cover rental cars if you're planning to rent a vehicle for any reason. Non-owner policies can be an excellent choice for Koloa residents who drive occasionally or who don't have access to their own vehicles.

Car Insurance Discounts in HI

Hawaii auto insurance providers offer plenty of discounts that can help lower your premiums. Some common Koloa car insurance discounts include: good driver, multi-car, multi-policy, safe driver course and military/veteran discounts.

Don't be afraid to ask your insurer about additional discounts you may qualify for. Many insurers also provide free online quote tools, so you can easily compare prices and coverage amongst different carriers. Shopping around is the best way to make sure you're getting the most out of Koloa HI auto insurance policy.

Getting Coverage for Teenagers in HI

Hawaii has some of the strictest teen driving laws in the country. The state requires all teen Koloa drivers to complete a driver’s education course, have zero points on their license for three years and remain accident-free during that period.

In Koloa, insurance companies typically consider teens high-risk drivers due to their lack of experience behind the wheel. To get affordable coverage, parents may need to add their teens onto their own policy or purchase a separate policy with higher deductibles and lower limits. Make sure to compare rates between different carriers before deciding on a policy.

Car Insurance for Seniors

Hawaii has a higher-than-average population of drivers over the age of 65. Unfortunately, Koloa auto insurance providers usually don’t offer discounts specific to seniors, but some insurers may offer other discounts that can help senior drivers save on their premiums.

Koloa seniors should also consider increasing their deductibles and considering liability-only policies if they are not driving long distances or using their vehicles for business purposes. Speak with an insurance agent to find out what coverage is right for you and your family.

Veterans Car Insurance in HI

Koloa Hawaii car insurance providers offer discounts specifically for veterans and active-duty service members. These discounts can vary considerably from carrier to carrier, so it's important to compare prices between different insurers before deciding on a policy.

Additionally, many Hawaii auto insurance companies offer military-specific benefits in addition to discounted rates. Speak with an agent or broker to get more information about what benefits you may be eligible for and how to start the process.

Do I Need SR-22 Insurance in Hawaii

SR-22 insurance is a type of liability insurance that Koloa drivers are required to carry if they have received DUI/DWI convictions, or have had their license suspended due to negligence. SR-22 policies must be kept up for three consecutive years in order for the driver to maintain their driving privileges.

In Koloa HI, motorists with an SR-22 requirement may need to file additional forms and pay higher premiums than normal. Make sure to compare rates between different carriers before deciding on a policy, as some providers may offer more affordable rates than others. Once you’ve found the best coverage for your needs, contact your insuring company to start the SR-22 filing process.

Drivers License Requirements in Hawaii

Hawaii drivers must carry a valid Hawaii driver's license with them at all times while operating a motor vehicle. Koloa drivers under the age of 18 are not allowed to drive between 10PM and 5AM unless they are accompanied by an adult aged 21 or over.

In Koloa, drivers may apply for either a standard driver's license or an enhanced driver's license. An enhanced driver’s license is valid for both driving and identification purposes and allows Hawaii residents to travel more easily across international borders without having to carry a passport. To obtain an enhanced driver’s license, Hawaii drivers must bring two forms of acceptable identification to the DMV when applying.

Should I Increase My Deductible?

Koloa drivers who want to save money on their auto insurance premiums should consider raising their deductibles. Increasing your deductible will lower your total premium and reduce the amount you owe if you get into an accident. However, it’s important to remember that a higher deductible will also mean larger out-of-pocket expenses if you need to file a claim.

It’s always a good idea to compare rates between different Hawaii car insurance providers before deciding on a policy and increasing your deductibles. Speak with an agent or broker for more information about how deductible levels can affect your premiums and coverage options.

Geico vs Allstate

Hawaii drivers can choose between Geico and Allstate when it comes to selecting car insurance coverage. Both providers offer competitive rates, but which one is right for you depends on your individual needs and budget.

Geico typically offers more affordable premiums than Allstate, while Allstate may provide better customer service options. Additionally, Allstate offers a range of discounts that could make it the more cost-effective option for Koloa drivers who qualify. Make sure to compare prices between both providers before deciding on a policy to ensure you’re getting the best rate available.

State Farm vs Liberty Mutual

Koloa drivers can also compare rates between State Farm and Liberty Mutual when looking for car insurance coverage. Both providers offer competitive rates, but the one that’s right for you depends on your individual needs and budget.

State Farm is often more cost-effective than Liberty Mutual, while Liberty Mutual may provide better customer service options. Additionally, Liberty Mutual offers a range of discounts that could make it the more affordable option for Hawaii drivers who qualify. Make sure to compare prices between both carriers before deciding on a policy to ensure you’re getting the best rate available.

Nationwide vs Progressive

Koloa drivers can also compare rates between Nationwide and Progressive when shopping for car insurance. Both providers offer competitive rates, but which one is right for you depends on your individual needs and budget.

Nationwide typically offers more affordable premiums than Progressive, while Progressive may provide better customer service options. Additionally, Progressive offers a range of discounts that could make it the more cost-effective option for Koloa drivers who qualify. Make sure to compare prices between both companies before deciding on a policy to ensure you’re getting the best rate available.

car insurance companies Koloa HI

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Koloa, Hawaii. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Koloa, HI.

Is Bundling Auto and Homeowners Insurance Really Worth it?

Bundling auto and homeowners insurance in Koloa promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Koloa insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.

While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Koloa at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.


Andrew Brown

Andrew Brown - Chief Editor

Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.