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Browse auto insurance agents serving Kapaʻa, Hawaii. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Kapaʻa, HI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Hawaii before hiring.
Showing 3 auto insurance agents in Kapaʻa, HI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Donovan Gardner: Allstate Insurance
4-901 Kuhio Hwy Ste 112, Kapaʻa, HI 96746
(808) 212-9848
agents.allstate.com
Darrellyn Lemke - State Farm Insurance Agent
4-1593 Kuhio Hwy, Kapaʻa, HI 96746
(808) 822-7335
darrellynlemke.com
Insurance Factors
5196 Kome St, Kapaʻa, HI 96746
(808) 822-3097
insurancefactors.com
An auto insurance agent in Kapaʻa can help you find coverage that meets Hawaii state law requirements. Hawaii requires all drivers to carry no-fault insurance with personal injury protection and liability coverage. A local agent understands the unique driving conditions on Kauai and can explain options like uninsured motorist coverage.
What Does a Auto Insurance Agent in Kapaʻa Cost?
Auto insurance costs in Hawaii vary by driver, vehicle, and coverage level. Average annual premiums in Hawaii are around 1,200 to 1,800 dollars for full coverage, but rates can be lower or higher based on your record and location. Kapaʻa drivers may see slightly different rates due to local factors. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the minimum auto insurance requirements in Hawaii?
Hawaii law requires minimum liability coverage of 20,000 dollars per person and 40,000 dollars per accident for bodily injury. You also need 10,000 dollars in property damage liability and 10,000 dollars in personal injury protection.
Can I get auto insurance in Kapaʻa if I have a poor driving record?
Yes, many agents in Kapaʻa work with companies that accept drivers with violations or accidents. You may pay higher premiums, but coverage is available through standard or nonstandard insurers.
How do I choose an auto insurance agent in Kapaʻa?
Look for an agent who is licensed in Hawaii and has experience with local insurers. Ask about policy options, discounts, and claims support. Compare quotes from multiple agents to find suitable coverage.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Hawaii.