Cheapest Car Insurance in Kaneohe, HI: 2024 Rate Comparisons

• Small SUV models like the Chevrolet Trailblazer, Subaru Crosstrek, and Toyota Corolla Cross get the nod for cheap car insurance in Kaneohe.
• Kaneohe car insurance cost averages $1,342 per year, or approximately $112 per month, for a full-coverage policy.
• Car insurance rates for a few popular vehicles in Kaneohe include the Subaru Outback at $1,146 per year, Nissan Altima at $1,456, and Subaru Forester at $1,198.

Which vehicles have cheap insurance in Kaneohe?

When comparing all types of vehicles, the models with the cheapest average auto insurance prices in Kaneohe tend to be compact SUVs like the Chevrolet Trailblazer, Kia Soul, Toyota Corolla Cross, and Buick Envision. Average car insurance prices for vehicles ranking in the top 10 cost $1,100 or less per year to insure for full coverage in Kaneohe.

Additional vehicles that rank well in our insurance cost comparison are the Ford Bronco Sport, Buick Envista, Acura RDX, and Chevrolet Colorado. Average rates are slightly more for those models than the cheapest small SUVs that rank near the top, but they still have an average insurance cost of $1,152 or less per year in Kaneohe.

The next table details the vehicles with the cheapest overall insurance rates in Kaneohe, ordered by annual cost.

Some additional models worth noting making the top 30 above include the Subaru Ascent, the Toyota GR Corolla, the Volkswagen Atlas, and the Acura Integra. Average auto insurance rates for those vehicles cost between $1,152 and $1,196 per year.

To help gauge how cheap these rates are, some examples of more expensive insurance rates include the Ford Mustang Mach-E at $131 per month, the Dodge Challenger at an average of $169, and the Tesla Model X which averages $141.

Kaneohe car insurance cost

Average auto insurance cost in Kaneohe is $1,342 per year, or around $112 per month for a full-coverage car insurance policy. It costs 33.6% less to insure the average vehicle in Kaneohe, HI, than the U.S. average rate of $1,883.

In the state of Hawaii, the average price for car insurance is $1,356 per year, so the average rate in Kaneohe is $14 less per year. The cost of auto insurance in Kaneohe compared to other Hawaii cities is approximately $22 per year cheaper than in Waipahu, $68 per year less than in Hilo, and $12 per year more expensive than in Pearl City.

The age of the rated driver is one of the biggest determining factors on the cost of auto insurance. The list below details how age impacts cost by showing average car insurance rates based on the age of the driver.

Kaneohe, Hawaii, car insurance cost by driver age

• 16-year-old driver – $4,787 per year or $399 per month
• 17-year-old driver – $4,637 per year or $386 per month
• 18-year-old driver – $4,154 per year or $346 per month
• 19-year-old driver – $3,784 per year or $315 per month
• 20-year-old driver – $2,702 per year or $225 per month
• 30-year-old driver – $1,434 per year or $120 per month
• 40-year-old driver – $1,342 per year or $112 per month
• 50-year-old driver – $1,190 per year or $99 per month
• 60-year-old driver – $1,116 per year or $93 per month

The chart below shows average Kaneohe, HI, auto insurance cost broken out not only by driver age, but also by physical damage deductibles. Rates are averaged for all 2024 vehicle models including luxury cars and SUVs.

Average car insurance rates in the previous chart range from $942 per year for a policy with high deductibles for a 60-year-old driver to $3,142 per year for a 20-year-old driver with low physical damage deductibles.

When these rates are converted to a cost per month, the average cost of car insurance per month in Kaneohe ranges from $79 to $262.

The next section goes into detail about the average cost of car insurance by vehicle segment. The average rates shown in the chart will give you a decent understanding of which types of cars, trucks, and SUVs that have the best average auto insurance rates.

Cheapest auto insurance rates by vehicle type

If you’re shopping for a new vehicle, it is useful to know which types of vehicles have more favorable car insurance rates.

As an example, many people wonder if compact SUVs are more affordable to insure than minivans or if luxury cars cost less to insure than sports cars.

The chart below shows average car insurance rates in Kaneohe for different vehicle segments. From an overall average perspective, small SUVs and midsize pickups have the best average auto insurance rates, while large luxury, performance, and sports cars have the highest average cost to insure.

It’s best to use the average rates by segment as a general guide to which types of vehicles have the cheapest car insurance. But you’ll want to dig down to the model level to find out which vehicles in each segment have the best rates.

For example, in the small SUV segment, average Kaneohe insurance rates range from the Subaru Crosstrek costing $992 per year to the Ford Mustang Mach-E costing $1,572 per year. Also, in the midsize luxury car segment, insurance rates vary from the Mercedes-Benz CLA250 costing $1,382 per year to the BMW M8 costing $2,264 per year, a difference of $882 just for that segment.

In the following list, you can see the individual model with the cheapest insurance in Kaneohe, HI, for each different segment.

• Cheapest compact car insurance – Toyota GR Corolla at $1,166 per year or $97 per month
• Cheapest compact SUV insurance – Subaru Crosstrek at $992 per year or $83 per month
• Cheapest midsize car insurance – Hyundai Ioniq 6 at $1,234 per year or $103 per month
• Cheapest midsize SUV insurance – Honda Passport at $1,068 per year or $89 per month
• Cheapest full-size car insurance – Chrysler 300 at $1,276 per year or $106 per month
• Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,262 per year or $105 per month
• Cheapest midsize pickup insurance – Chevrolet Colorado at $1,150 per year or $96 per month
• Cheapest full-size pickup insurance – Nissan Titan at $1,258 per year or $105 per month
• Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $1,366 per year or $114 per month
• Cheapest minivan insurance – Honda Odyssey at $1,228 per year or $102 per month
• Cheapest sports car insurance – Mazda MX-5 Miata at $1,244 per year or $104 per month
• Cheapest compact luxury car insurance – Acura Integra at $1,194 per year or $100 per month
• Cheapest compact luxury SUV insurance – Acura RDX at $1,122 per year or $94 per month
• Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $1,382 per year or $115 per month
• Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $1,256 per year or $105 per month
• Cheapest full-size luxury car insurance – Audi A5 at $1,590 per year or $133 per month
• Cheapest full-size luxury SUV insurance – Infiniti QX80 at $1,506 per year or $126 per month

Popular models and the cost of insurance

The car insurance rates mentioned up to this point consist of an average based on every 2024 vehicle model, which is practical for making generalized comparisons such as the cost difference between two locations.

Average auto insurance rates are great when presented with a question like “are Kaneohe car insurance rates cheaper than in Honolulu?” or “is car insurance in Hawaii cheaper than Colorado?”.

But for more useful price comparisons, we get better data if we do a rate analysis for the exact make and model of vehicle being insured. Each individual model has slightly different risk exposures for physical damage and liability claims, and this data allows us to make more detailed cost analysis.

The following chart shows average insurance cost for some of the more popular models that you’ll see on the streets of Kaneohe.

Vehicles popular with drivers in Kaneohe tend to be compact or midsize sedans like the Toyota Corolla and Toyota Camry and compact or midsize SUVs like the Chevy Equinox, Ford Escape, and Toyota Highlander.

Additional popular vehicles from other segments include luxury SUVs like the Acura MDX and Lexus RX 350, luxury cars like the Acura ILX and BMW 530i, and pickup trucks like the Toyota Tacoma and Ford Ranger.

If we see how many popular models from the chart above are included in the prior table that ranked the 30 vehicles with the cheapest insurance, most of the top-selling models don’t even rank in the top 30.

This could be the result of a high replacement cost for the vehicle, like a BMW X5 with an average MSRP of $65,200 or a Porsche Taycan that has an average price of $90,900, or perhaps higher liability insurance cost like a GMC Yukon XL, Jeep Wrangler, or Ford F-250 Super Duty pickup.

We covered a lot of data up to this point, so here is a quick summary of the most relevant points.

• Kaneohe, Hawaii, car insurance cost is less than the U.S. average – $1,342 (Kaneohe average) compared to $1,883 (U.S. average)
• Car insurance is generally cheaper as you get older – Car insurance rates for a 60-year-old driver in Kaneohe are $1,586 per year cheaper than for a 20-year-old driver.
• Insuring teens gets very expensive – Average cost ranges from $3,200 to $4,787 per year for teenage driver insurance in Kaneohe, Hawaii.
• Kaneohe auto insurance prices are cheaper than the Hawaii state average – $1,342 (Kaneohe average) compared to $1,356 (Hawaii average)
• Teenage girls pay less than teen males – Teenage females pay $584 to $317 less each year than males of the same age.
• Lower deductible car insurance is more expensive than high deductible – A 20-year-old driver pays an average of $720 more per year for $250 physical damage deductibles versus $1,000.

Tips for cheaper Kaneohe car insurance rates

Kaneohe drivers should always be looking to save money on insurance. So take a minute and read through the money-saving ideas in this next list and maybe you can save a little cash on your next renewal.

• Compare auto insurance rates before buying a car. Different models, and even different trim levels of the same model, have significantly different auto insurance rates, and companies charge a wide range of prices. Get plenty of comparison quotes before you purchase in order to avoid insurance sticker shock when you receive your first bill.
• Safer drivers pay lower rates. Causing too many accidents will raise rates, potentially as much as $1,920 per year for a 20-year-old driver and as much as $330 per year for a 60-year-old driver. So be a cautious driver and save.
• Avoid tickets to save money. If you want affordable auto insurance in Kaneohe, it pays to be a good, safe driver. Not surprisingly, just a couple of blemishes on your driving record could end up increasing policy cost as much as $358 per year. Serious violations like driving on a suspended license could raise rates by an additional $1,250 or more.
• Cheaper rates come with better credit scores. Having a credit score above 800 could save as much as $211 per year compared to a good rating of 670-739. Conversely, a credit score below 579 could cost as much as $244 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Policy discounts save money. Discounted rates may be available if the insureds belong to certain professional organizations, are military or federal employees, choose electronic billing, drive a vehicle with safety or anti-theft features, or many other policy discounts which could save the average Kaneohe driver as much as $226 per year on their insurance cost.