Cheap Auto Insurance Quotes in Hilo, HI (2021)

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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.

$52
$53
ProgressiveState Farm

Cheapest Car Insurance in Hilo

Here are the cheapest carriers in Hilo for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

$53
$51
$53
$53
$53
$53
HawaiiHonoluluPearl CityWaipahuKaneoheHilo

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Hilo, HI Driving Facts

hawaii

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

Insurify Insights: How Hilo Drivers Measure Up

toyota
Toyota Tacoma
Most Popular Car in
Hilo, HI
suspended licenses
#--
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Hilo drivers measure up to their fellow Hawaii motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle Hilo

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.

DUI/DWIs Hilo

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

  • Rank within state: #--
  • Percent of drivers in Hilo with a DUI: %
  • Drivers in Hilo, HI with a DUI in their driving history paid on average % more than drivers with a clean record

Speeding Hilo

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 -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Hilo with a speeding ticket: %
  • Drivers in Hilo, HI with a speeding ticket in their driving history paid on average % more than drivers with a clean record

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.