4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Hilo, HI (May 2022)

  • Personalized quotes in 5 minutes or less
  • No signup required
1 Insurance
Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

SafetyOutline

Why you can trust Insurify

Insurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we've delivered over 26 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3,000 satisfied customers, how we make money, how we get our data, our editorial standards, and a list of our partners.

Quick Facts

  • The average cost of car insurance in Hilo is $121 per month, or $1452 annually.
  • Car insurance in Hilo is $13 more than the average cost of car insurance in Hawaii.
  • The cheapest car insurance provider in Hilo on average is Farmers, but you should always compare quotes to find your best personal rate.

Car Insurance in Hilo, HI

The average cost of Hawaii car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Hilo, HI to find you the cheapest quotes in the area.

Quotes by Top Companies

Progressive
$52
State Farm
$53

Cheapest Car Insurance in Hilo, HI

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in HiloQuotes
Progressive$52 /mo
State Farm$53 /mo

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Average Car Insurance Cost

Hawaii Cities
Honolulu$51/mo
Pearl City$53/mo
Waipahu$53/mo
Kaneohe$53/mo
Hilo$53/mo
Hawaii$53/mo
Honolulu
$51
Average for HI
$53
Pearl City
$53
Waipahu
$53
Kaneohe
$53
Hilo
$53
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in HI

The state of Hawaii requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Hawaii are:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Hawaii state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.

The minimum property damage liability insurance requirements in Hawaii are:

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Hawaii requires $10,000 for the minimum. You’ll see the collective state minimum listed at 20/40/10. The 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

The minimum personal injury protection (PIP) insurance requirements in Hawaii are:

  • $10,000 personal injury protection (PIP) per person per accident

Hawaii is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. Hawaii PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The minimum coverage limits Hawaii state law requires is $10,000 per person per accident.

Find local Hilo agents

  • Atlas Insurance Agency

    525 Kilauea Ave,
    Ste 204, Hilo, HI 96720-3050
  • Business Insurance Services, Inc.

    1080 Kilauea Ave,
    Hilo, HI 96720-4202
  • Watanabe Insurance Service, Inc.

    100 Pauahi St #202,
    Hilo, HI 96720
  • Farmers Insurance

    111 E Puainako St,
    Hilo, HI 96720
  • Daniel De Soto - Hawaii Island Insurance Services

    275 Ponahawai St #105,
    Hilo, HI 96720
  • Pyramid Insurance - Hilo

    48 Kamana St Suite #103,
    Hilo, HI 96720
  • Kris Speegle: Allstate Insurance

    680 Manono St,
    Hilo, HI 96720
  • Nelson Fukuhara - State Farm Insurance Agent

    274 Waianuenue Ave,
    Hilo, HI 96720
  • Pacific Island Insurance LLC

    166 Kamehameha Ave Ste 7,
    Hilo, HI 96720
  • Iris Kuwaye - State Farm Insurance Agent

    9 Lei St,
    Hilo, HI 96720
View more

FAQs - Hilo, HI Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Hilo Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Hilo, Hawaii below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Hilo drivers measure up to their fellow motorists across Hawaii in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

toyota

Toyota Tacoma

Most Popular Car in Hilo

#1

City with the Most Speeding Tickets Rank in Hawaii

#2

City with the Most Moving Violations Rank in Hawaii

#2

City with the Most DUIs Rank in Hawaii

#4

City with the Most Suspended Licenses in Hawaii

  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Hilo is the Toyota Tacoma.

  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hilo drivers rank 2 in the number of DUI’s per driver across all cities in Hawaii.

    • Rank within state: #2
    • Percent of drivers in Hilo with a DUI: {{percentDrivers}}%
    • Drivers in Hilo, HI with a DUI in their driving history pay on average {{overpay}}% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Hawaii, Hilo drivers rank 1 in the number of speeding infractions per driver.

    • Rank within state: #1
    • Percent of drivers in Hilo with a speeding ticket: {{percentDrivers}}%
    • Drivers in Hilo, HI with a speeding ticket in their driving history pay on average {{overpay}}% more than drivers with a clean record
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

Learn More