For a 40-year-old driver with a clean record, car insurance in Kailua, on Oahu’s windward side, costs about $147 a month ($1,764 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Hawaii average of $148 a month. GEICO has the lowest full-coverage average of the five major insurers we compared (21st Century, Allstate, GEICO, Liberty Mutual and State Farm), at about $89 a month. If you’re comparing car insurance quotes in Kailua, HI, expect them to vary far more by insurer than by neighborhood.
This guide covers Kailua on Oahu’s windward side, ZIP code 96734, the ZIP code at the center of the Kailua census-designated place on the Census Bureau’s maps. Kailua counted 40,514 residents in the 2020 census.
Kailua-Kona, on the Big Island, is a different place; the Census Bureau’s Kailua census-designated place there counted 19,713 residents in 2020. Its ZIP code, 96740, averages $162 a month for full coverage in our data, about $15 more than Oahu’s Kailua, and it’s listed in our city table.
Cost data comes from the auto rates insurers file with state regulators, priced in Kailua’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Kailua, HI?
Kailua, HI, car insurance costs $1,764 a year ($147 a month) for full coverage in 96734 for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $582 a year ($49 a month), and 50/100/50 liability with comprehensive and collision averages $1,688 ($141 a month).
- Full coverage (100/300/100, $500 deductibles): $1,764 a year ($147 a month)
- 50/100/50 with $500 deductibles: $1,688 a year ($141 a month)
- Liability only (20/40/10): $582 a year ($49 a month)
- Honolulu County (Oahu): $1,764 a year ($147 a month) for full coverage
- Hawaii average: $1,773 a year ($148 a month) for full coverage
Kailua Car Insurance Companies: Who Charges What
State Farm and Liberty Mutual are the two highest-priced of the five major insurers we compared in Kailua, at about $181 and $203 a month for full coverage. At the other end of the table, GEICO has the lowest average among the insurers anyone can buy from.
- Lowest average in our data, full coverage: GEICO, at about $89 a month ($1,069 a year).
- Next lowest any driver can buy: 21st Century, at about $130 a month, then Allstate at $161.
- Military families: USAA averages about $119 a month, but only for eligible members.
- Liability only (20/40/10): about $29 to $63 a month across the five insurers anyone can buy from.
- Also on our list: Farmers at about $135 a month, Progressive at $140 and Island Insurance at $146.
- Most expensive in our data: Liberty Mutual, at about $203 a month, $1,361 a year more than GEICO for the same driver and car.
Six of the seven published 2026 statewide Hawaii rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, which sells only to military families; one ranks Progressive first. For liability-only coverage at 20/40/10 limits, averages run from about $29 to $63 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Kailua
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $345 | $29 | $1,069 | $89 |
| USAA (military families) | $433 | $36 | $1,425 | $119 |
| 21st Century | $587 | $49 | $1,560 | $130 |
| Allstate | $689 | $57 | $1,930 | $161 |
| State Farm | $760 | $63 | $2,169 | $181 |
| Liberty Mutual | $679 | $57 | $2,430 | $203 |
| Farmers* | $684 | $57 | $1,623 | $135 |
| Progressive* | $754 | $63 | $1,681 | $140 |
| Island Insurance* | $590 | $49 | $1,752 | $146 |
| Kailua average | $582 | $49 | $1,764 | $147 |
This table uses Kailua’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Kailua?
Raising liability limits from 50/100/50 to 100/300/100 adds about $76 a year on average in our Kailua data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. USAA charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Kailua?
Yes, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Kailua ZIP code, their full-coverage average rose from $1,603 a year nine months earlier to $1,631 in rates as of Aug. 31, 2026, a 1.7% increase. USAA raised its average 3.6%, GEICO 3.5% and State Farm 2.5%, while 21st Century’s and Allstate’s averages were unchanged. Liberty Mutual is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Kailua average above. Liability-only coverage at 20/40/10 limits rose 13.3%, led by GEICO, which raised its liability-only average 22.3%.
What Shapes Car Insurance Costs in Kailua
Windward Oahu is priced like most of the island in our data. Kaneohe, about four miles west, and Waimanalo, about four miles southeast, both average $147 a month, the same as Kailua.
Honolulu, about nine miles southwest, averages $147, and the Big Island’s ZIP codes, Kailua-Kona’s included, average $162.
Insurer by insurer, Kailua-Kona costs more with five of the six: GEICO charges $1,263 a year there and $1,069 in Kailua, and Liberty Mutual $2,844 and $2,430.
Registering a Car on the Windward Side
The City and County of Honolulu doesn’t list a satellite city hall in Kailua. Its Windward City Satellite City Hall, at 45-480 Kaneohe Bay Drive in Kaneohe, handles vehicle registration and titling and driver’s license renewals, according to the city’s Department of Customer Services. Hawaii law requires an annual safety inspection for every motor vehicle, and on Oahu you need proof of Hawaii insurance to get one, according to the department.
How Kailua Car Insurance Compares With Other Hawaii Cities
More Hawaii cities and towns are in the Hawaii rates by city table, and you can compare states on our car insurance rates by state page.
Kaneohe, about four miles west, averages $147 a month, and Honolulu, about nine miles southwest, $147. On the leeward side, Pearl City, about 14 miles west, averages $147.
What Car Insurance Is Required in Kailua?
Drivers in Kailua follow Hawaii’s rules. For new and renewal policies effective on or after Jan. 1, 2026, every policy must include at least:
- Liability coverage of $40,000 per person and $80,000 per crash for injuries and $20,000 for property damage (40/80/20)
- Personal injury protection of $10,000 per person for your own medical and rehabilitation costs, whoever caused the crash
- Uninsured and underinsured motorist coverage at your bodily injury limits, unless you reject it in writing
Our liability-only prices use 20/40/10 limits, the minimum before 2026, with 20/40 uninsured and underinsured motorist coverage, so a policy that meets today’s 40/80/20 minimum will generally cost more than our liability-only figures. Our Hawaii requirements guide covers proof of insurance, the no-fault rules and the penalties for driving uninsured.
Beyond the required coverage, Hawaii insurers must offer optional coverages, including physical damage coverage for your own car, wage-loss and death benefits, funeral expenses and PIP deductibles, under HRS § 431:10C-302. Ask for them by name when you compare quotes.
How to Lower Your Car Insurance Rate in Kailua
- Use the Windward City office. The Windward City Satellite City Hall in Kaneohe handles registration, titling and license renewals for windward drivers, according to the city’s location list.
- Keep proof on your phone. Hawaii accepts an electronic insurance card as long as it’s on your phone or in the car and you show it to police on request, under HRS § 431:10C-107.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Kailua, then compare free home insurance quotes.
Ready to compare
How We Calculated Kailua Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: six full-coverage premiums from six insurers in Kailua’s ZIP code, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use. Hawaii law bars insurers from basing rates on age, sex, marital status, length of driving experience or credit.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/10 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Hawaii’s minimum has been 40/80/20 for new and renewal policies effective on or after Jan. 1, 2026, so our liability-only prices use lower limits than the law requires. Every Hawaii policy must also include at least $10,000 per person in personal injury protection; the requirements section of this page explains what it pays.
- Calculation: for each insurer we take its lowest eligible price in Kailua’s ZIP code. The overall average is the mean of those prices, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code and its lead over the next insurer isn’t so wide that it looks like an outlier. In Kailua, GEICO’s full-coverage average is 31.5% below 21st Century’s ($1,069 and $1,560 a year), a little wider than that, but six of the seven published 2026 statewide Hawaii rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, so we name it for full coverage and show the range of prices for liability-only coverage. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP code, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Liberty Mutual is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers, including USAA, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Hawaii rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Hawaii law and the Hawaii Insurance Division. We refresh these figures when new rate data is released.
Kailua Car Insurance FAQ
For our benchmark driver, full coverage in Kailua averages about $147 a month ($1,764 a year) and liability-only coverage at 20/40/10 limits about $49 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Hawaii average of $148 a month.
GEICO has the lowest full-coverage average in our Kailua rate data, at about $89 a month, followed by 21st Century at $130 among insurers anyone can buy from. USAA, which sells only to military families, averages about $119 a month. For liability-only coverage at 20/40/10 limits, averages run from about $29 to $63 a month. Six of the seven published 2026 statewide Hawaii rate studies we reviewed rank GEICO cheapest for full coverage, apart from USAA; one ranks Progressive first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Kailua on Oahu, for our benchmark driver. Oahu’s Kailua (96734) averages about $147 a month for full coverage and Kailua-Kona (96740), on the Big Island, about $162, a difference of about $15 a month for the same driver and car.
No, they’re the same in our data. Kailua (96734) and Kaneohe (96744) both average $1,764 a year ($147 a month) for full coverage for our benchmark driver.
In our Kailua data, full coverage (100/300/100 with $500 deductibles) averages about $147 a month and liability-only coverage at 20/40/10 limits about $49, a difference of about $98 a month ($1,182 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Hawaii law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Kailua follow Hawaii law: for new and renewal policies effective on or after Jan. 1, 2026, at least $40,000 per person and $80,000 per crash for injuries and $20,000 for property damage (40/80/20), plus $10,000 per person in personal injury protection. Uninsured and underinsured motorist coverage comes with the policy unless you reject it in writing, and you must keep your insurance card in the car or on your phone.
Yes, for our benchmark driver. Comparing the five insurers in both sets of rates (Liberty Mutual is new over the past nine months), their Kailua full-coverage average rose 1.7%, from about $1,603 to $1,631 a year. That’s lower than the Kailua average of $1,764 because it leaves out Liberty Mutual. USAA raised its average 3.6%, GEICO 3.5% and State Farm 2.5%. Liability-only coverage at 20/40/10 limits rose 13.3%.
For our benchmark driver, full coverage in Kailua averages about $147 a month. Nearby, Kaneohe averages about $147, Honolulu about $147 and Pearl City about $147. Honolulu is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
- Latest Posts
Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
