Kihei car insurance averages $168 per month for full coverage in 2026, according to InsuranceQuotes’ own Hawaii rate data. As a South Maui resort community along the Piilani Highway corridor, Kihei sees heavier seasonal visitor and rental-car traffic than more residential islands communities, and drivers who compare quotes can find coverage from State Farm for as low as $110 per month — a savings of about $58 a month versus the local average.
Rates last verified and updated: July 2026.
Find Cheap Kihei Auto Insurance Quotes
When it comes to comparing car insurance quotes in Kihei, using InsuranceQuotes can be extremely helpful. This online platform allows individuals to effortlessly search for the cheapest auto insurance policy rates from both local and national insurance providers. By taking advantage of this service, users can save both time and money effectively. Using a professional and informative tone, InsuranceQuotes serves as a reliable tool in aiding drivers in finding suitable options for their car insurance needs.
How Much Does Car Insurance Cost in Kihei, HI?
- State Minimum Liability: You can expect to pay $49 a month or $586 a year.
- Full Coverage: You can expect to pay $168 a month or $2,014 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Kihei – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in Kihei?
- In Kihei the cheapest average auto insurance providers are State Farm, USAA and 21st Century.
- State minimum liability car insurance starts at $31 a month or $370 a year.
- Full coverage car insurance starts at $110 a month or $1,316 a year.
Here is a breakdown of average costs from the cheapest local insurance providers in Kihei from our data set of used-car drivers who are single, middle aged and have a clean driving record. See how these rates compare across other Hawaii cities.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $370 | $31 | $1,316 | $110 |
| USAA | $372 | $31 | $1,637 | $136 |
| 21st Century | $557 | $46 | $1,838 | $153 |
| GEICO | $756 | $63 | $2,804 | $234 |
| Allstate | $1,041 | $87 | $2,747 | $229 |
How Much Car Insurance Do You Need in Hawaii?
The specific amount of car insurance you need in Hawaii can depend on various factors such as your personal budget, the type of coverage you want, and state requirements. In Hawaii, the minimum required car insurance coverage includes:
- $40,000 bodily injury liability per person
- $80,000 bodily injury liability per accident
- $20,000 property damage liability per accident
These are the minimum coverage limits, but you may consider higher coverage limits or additional coverage options like comprehensive and collision insurance for better protection. It’s advisable to consult with on of our IQ insurance agents to determine the coverage that best suits your needs and circumstances. Bundling your auto policy with a Hawaii home insurance quote can also help lower your overall cost.
How to Save Money on HI Car Insurance
To save money on your auto insurance in Hawaii easily, consider utilizing the following tips:
- Shop Around: Use Insurance Quotes to compare quotes from different insurance providers to find the best rates. Prices can vary, so it’s essential to explore your options.
- Bundle Your Policies: If you have multiple insurance needs, such as home and auto insurance, bundling them with the same provider can often lead to discounts.
- Good Driving Records: Safe driving habits can lead to lower premiums. Avoid accidents and traffic violations to maintain a clean driving record.
- Increase Your Deductibles: Consider raising your deductibles, which can lower your premium. Just ensure that you can afford the higher out-of-pocket costs if you need to make a claim.
- Drive Less: Some insurance companies offer discounts for low-mileage drivers. If you can, use public transportation or carpool to reduce your mileage.
- Ask About Discounts: Inquire about available discounts, such as good student discounts, safe driver discounts, or discounts for taking defensive driving courses.
- Good Credit Scores: In some states, including Hawaii, insurers use credit scores to determine premiums. Maintaining a good credit score may help lower your car insurance costs.
- Drive a Safer Car: Safety features on your vehicle may lead to lower premiums. Check with your insurance provider to see if your car’s safety features qualify for discounts.
- Review Your Coverage Regularly: Periodically reassess your coverage needs. If your circumstances change, you may be eligible for different discounts or need to adjust your coverage.
- Loyalty Discounts: Some insurers offer discounts for long-term customers. Check if there are loyalty rewards for staying with the same insurance company in {hawai
Kihei car insurance averages approximately $168 per month for full coverage in 2026, close to the Hawaii statewide average. As a South Maui resort community, Kihei sees significant seasonal visitor and rental-car traffic along the Piilani Highway corridor.
Hawaii requires bodily injury and property damage liability of at least 40/80/20, plus $10,000 in Personal Injury Protection (PIP), effective January 1, 2026 (up from the prior 20/40/10 minimum). Hawaii is a no-fault state.
Kihei and the neighboring Wailea resort corridor draw heavy tourist and rental-vehicle traffic, which can increase accident frequency compared to more residential Maui communities. Sunny, dry conditions here also mean less weather-related risk than rainier parts of the islands.
State Farm and USAA are typically the most competitively priced carriers on Maui, with State Farm offering the lowest full-coverage rate in our data at $110 per month. Local drivers who avoid peak tourist-season traffic corridors during rush hour tend to see fewer claims.
Yes, it’s worth considering. With heavy rental-car and visitor traffic in South Maui, carrying uninsured/underinsured motorist coverage adds protection in case of an accident with an inadequately insured out-of-state or rental driver.
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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.
