Cheap Auto Insurance Quotes in Hilo, HI (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Aloha State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


Been Here Before?

Get Back to My Quotes

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.

Loading Chart

Cheapest Car Insurance in Hilo, HI

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

Loading Chart

Click here to learn about car insurance quotes and save on your current policy.

Hilo, HI Driving Facts

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 Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Hilo stacks up for the state of Hawaii:

Honda Accord
Most Popular Car in
Hilo, HI
suspended licenses
Cities with Most
Suspended Licenses Rank