Compare Hilo, HI Car Insurance Rates (2021)

Car insurance in Hilo, HI averages $238 a month. Hilo, Hawaii car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Hilo car insurance rates, compare quotes from the top car insurance companies in Hilo, HI.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 23, 2021

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's What You Need to Know

  • The cheapest car insurance company in Hilo for teen drivers is State Farm
  • The cheapest car insurance company in Hilo is State Farm
  • Average car insurance rates in Hilo, HI after a DUI are $5,756/year

If you need to buy Hilo, Hawaii car insurance, the options can be confusing. Everything you need to know about car insurance in Hilo, HI is right here.

You’ll find Hilo car insurance rates, the cheapest Hilo, HI car insurance companies, and information on Hawaii car insurance laws. You can also compare Hilo, Hawaii car insurance rates to Maunaloa car insurance rates, Pepeekeo car insurance rates, and Kapolei car insurance rates.

Ready to find affordable Hilo, HI car insurance today? Enter your ZIP code for fast, free Hilo car insurance quotes.

Cheapest Hilo, HI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Hilo, HI car insurance rates? Every Hilo, Hawaii car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hilo, Hawaii

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,452 $2,452 $2,452 $2,452 $2,452 $2,452 $2,452 $2,452
Farmers $5,366 $5,366 $5,366 $5,366 $5,850 $5,850 $5,366 $5,366
GEICO $3,709 $3,709 $3,709 $3,709 $3,709 $3,709 $3,709 $3,709
Liberty Mutual $3,634 $3,634 $3,634 $3,634 $3,677 $3,677 $3,634 $3,634
Progressive $2,192 $2,192 $2,192 $2,192 $3,087 $3,087 $2,192 $2,192
State Farm $1,083 $1,083 $1,083 $1,083 $1,083 $1,083 $1,083 $1,083
USAA $1,210 $1,210 $1,210 $1,210 $1,262 $1,262 $1,210 $1,210

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Minimum Car Insurance in Hilo, HI

Every driver must carry the minimum car insurance in Hilo, HI. Take a look at the Hawaii car insurance requirements.

Minimum Required Car Insurance Coverage in Hilo, Hawaii

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Hilo, HI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Hilo, HI to rates for a clean record with top companies.

Annual Hilo, Hawaii Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $1,460 $2,162 $4,175 $2,009
Farmers $2,625 $3,935 $12,762 $2,625
GEICO $1,552 $2,018 $9,713 $1,552
Liberty Mutual $1,926 $2,417 $7,820 $2,417
Progressive $1,825 $2,575 $2,892 $2,371
State Farm $989 $1,178 $1,083 $1,083
USAA $926 $1,147 $1,849 $968

Cheapest Hilo, HI Car Insurance for Teen Drivers

Teen car insurance in Hilo, HI can be expensive. Take a look at rates from the top car insurance companies in Hilo for teenagers.

Annual Car Insurance Rates for Teen Drivers in Hilo, Hawaii

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $2,452 $2,452
Farmers $5,850 $5,850
GEICO $3,709 $3,709
Liberty Mutual $3,677 $3,677
Progressive $3,087 $3,087
State Farm $1,083 $1,083
USAA $1,262 $1,262

Cheapest Hilo, HI Car Insurance for Seniors

Take a look at Hilo, HI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Hilo, Hawaii

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,452 $2,452
Farmers $5,366 $5,366
GEICO $3,709 $3,709
Liberty Mutual $3,634 $3,634
Progressive $2,192 $2,192
State Farm $1,083 $1,083
USAA $1,210 $1,210

Cheapest Hilo, HI Car Insurance Rates After a DUI

A DUI in Hilo, HI increases car insurance rates. Compare Hilo, Hawaii DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Hilo, Hawaii

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,175
Farmers $12,762
GEICO $9,713
Liberty Mutual $7,820
Progressive $2,892
State Farm $1,083
USAA $1,849

Cheapest Hilo, HI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Hilo, HI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Hilo, Hawaii

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,292 $2,611
Farmers $5,487 $5,487
GEICO $3,709 $3,709
Liberty Mutual $3,645 $3,645
Progressive $2,416 $2,416
State Farm $1,083 $1,083
USAA $1,223 $1,223

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The Best Cheap Car Insurance Companies in Hilo, HI

Take a look at a side-by-side comparison of the top car insurance companies in Hilo, HI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Hilo, Hawaii

Insurance Company Average Annual Rates
Allstate $2,452
Farmers $5,487
GEICO $3,709
Liberty Mutual $3,645
Progressive $2,416
State Farm $1,083
USAA $1,223

Category Winners: Cheapest Car Insurance in Hilo, Hawaii

Find the cheapest car insurance companies in Hilo, HI for each category right here.

Best Annual Car Insurance Rates by Company in Hilo, Hawaii

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Hilo, HI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Hilo car insurance rates. Find the cheapest Hilo, HI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Hilo, Hawaii

Insurance Company Low Medium High
Allstate $2,280 $2,458 $2,616
Farmers $5,285 $5,524 $5,652
GEICO $3,544 $3,733 $3,849
Liberty Mutual $3,673 $3,445 $3,817
Progressive $2,214 $2,413 $2,620
State Farm $1,013 $1,086 $1,151
USAA $1,151 $1,222 $1,294

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What affects car insurance rates in Hilo, Hawaii?

What factors can have an impact on Hilo, HI car insurance? There are several reasons why Hilo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Hilo, Hawaii.

Commute Time in Hilo

The more time you spend in your car the higher the risk of an accident. The average commute length in Hilo, HI is 18.4 minutes according to City-Data.

Traffic in Hilo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Hilo, HI traffic data from INRIX ranks Hilo as the 636th-most congested in the world.

Compare Car Insurance Quotes in Hilo, HI

Ready to find affordable Hilo, Hawaii car insurance today? Enter your ZIP code for fast, free Hilo, HI car insurance quotes.

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