Population: 40,514 | West region | 77% below national average for homeowners insurance
Kailua is a small community with a population of 40,514 in the West region. Insurance costs here are shaped by a combination of Hawaii's regulatory environment, local risk factors, and the city's specific demographic profile.
One of Kailua's advantages is its below-average homeowners insurance costs. At $591/yr, residents pay 77% less than the national average. Over a 30-year mortgage, that adds up to approximately $60,270 in savings — a meaningful financial benefit that makes homeownership more affordable in this market.
Hurricane exposure is the dominant factor in Kailua's insurance pricing. Properties near the coast face windstorm surcharges that can add 30-50% to base premiums, and many insurers require separate hurricane deductibles (typically 2-5% of dwelling value). Wind mitigation features — hurricane shutters, roof clips, and impact-resistant roofing — can earn substantial premium credits and are strongly recommended for Kailua homeowners.
With a crime index of just 20/100, Kailua is significantly safer than the national average. This low crime rate is a positive factor for insurance pricing — fewer theft, vandalism, and property crime claims mean insurers can offer more competitive rates. Auto insurance comprehensive coverage is also more affordable in lower-crime areas.
The total annual insurance budget for a Kailua homeowner with a car is approximately $2,158/yr ($180/mo). This is well below the national combined average of $5,097/yr — a meaningful cost-of-living advantage for Kailua residents that is often overlooked in relocation analyses. Bundling homeowners and auto with the same carrier typically saves 15-20%, which could mean $367 in annual savings.
Data sources: Insurance cost estimates derived from NAIC reports, Insurance.com, Bankrate, and Insurify (2025-2026). City risk factors from FEMA, FBI UCR, and state insurance department filings. Figures represent average annual premiums for standard coverage and may vary based on individual factors.
Join thousands of homeowners, renters, and investors getting smarter about insurance every week.
Subscribe Free →