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Directory of truck insurance agents in Kapaʻa, Hawaii. Verify credentials with the state department of insurance before hiring.
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 truck 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
A truck insurance agent in Kapaʻa helps commercial truck owners find policies that meet Hawaii state requirements. Hawaii law mandates minimum liability coverage for all commercial vehicles operating on public roads. Local agents understand the unique risks of island driving and can tailor coverage for your fleet.
What Does a Truck Insurance Agent in Kapaʻa Cost?
Truck insurance costs in Hawaii vary widely based on truck type, cargo, driving history, and coverage limits. For a standard commercial truck, annual premiums can range from $1,500 to $5,000 for basic liability, with full coverage costing $3,000 to $10,000 or more. Factors like island location and fleet size also affect rates. This is general information, 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 Hawaii minimum insurance requirements for trucks?
Hawaii requires commercial trucks to carry at least $20,000 per person and $40,000 per accident for bodily injury liability, plus $10,000 for property damage. Higher limits are recommended for larger trucks or those carrying cargo.
Do I need special insurance for a truck used in agriculture in Kapaʻa?
Yes, agricultural trucks may need additional coverage for farm products or equipment. Hawaii does not exempt farm trucks from standard liability requirements, so check with an agent for specific policy options.
How does Hawaii law affect truck insurance claims?
Hawaii is a no-fault state for auto insurance, but truck claims often involve commercial policies. You must report accidents promptly and file claims within the statute of limitations, which is typically two years for property damage and two years for personal injury.
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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.