🚗 Car insurance cost in Kailua, HI (2027)
Estimated average: $1,486 per year — -31% vs. the U.S. average of $2,150.
With about 40,514 residents, Kailua is a smaller city and the #4 largest city in Hawaii. Car insurance rates here are estimated at $1,486 per year, below the Hawaii average of $1,548 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Kailua with other Hawaii cities.
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Kailua car insurance FAQ
How much is car insurance in Kailua, HI?
The estimated average is $1,486 per year — below the state average (-4% vs. the Hawaii average of $1,548, and -31% vs. the U.S. average).
Is car insurance more expensive in Kailua than elsewhere in Hawaii?
Kailua has about 40,514 residents. Larger metro areas usually see different rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Kailua?
Compare at least three quotes from insurers active in Kailua, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.