Compare Pearl City, HI Car Insurance Rates (2021)

Car insurance in Pearl City, HI averages $209 a month. Pearl City, Hawaii car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Pearl City car insurance rates, compare quotes from the top car insurance companies in Pearl City, HI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Pearl City is State Farm
  • Average car insurance rates in Pearl City, HI are $2,509/year
  • The cheapest car insurance company in Pearl City for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Pearl City, HI car insurance rates? Every Pearl City, 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 Pearl City, 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 $2,130 $2,130 $2,130 $2,130 $2,130 $2,130 $2,130 $2,130
Farmers $4,562 $4,562 $4,562 $4,562 $4,970 $4,970 $4,562 $4,562
GEICO $3,201 $3,201 $3,201 $3,201 $3,201 $3,201 $3,201 $3,201
Liberty Mutual $3,069 $3,069 $3,069 $3,069 $3,107 $3,107 $3,069 $3,069
Progressive $1,966 $1,966 $1,966 $1,966 $2,757 $2,757 $1,966 $1,966
State Farm $1,050 $1,050 $1,050 $1,050 $1,050 $1,050 $1,050 $1,050
USAA $1,258 $1,258 $1,258 $1,258 $1,315 $1,315 $1,258 $1,258

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Minimum Car Insurance in Pearl City, HI

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

Minimum Required Car Insurance Coverage in Pearl City, 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 Pearl City, 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 Pearl City, HI to rates for a clean record with top companies.

Annual Pearl City, Hawaii Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $1,251 $1,841 $3,712 $1,717
Farmers $2,245 $3,346 $10,820 $2,245
GEICO $1,352 $1,752 $8,348 $1,352
Liberty Mutual $1,651 $2,060 $6,544 $2,060
Progressive $1,644 $2,309 $2,581 $2,123
State Farm $960 $1,140 $1,050 $1,050
USAA $962 $1,179 $1,942 $1,007

Cheapest Pearl City, HI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Pearl City, Hawaii

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $2,130 $2,130
Farmers $4,970 $4,970
GEICO $3,201 $3,201
Liberty Mutual $3,107 $3,107
Progressive $2,757 $2,757
State Farm $1,050 $1,050
USAA $1,315 $1,315

Cheapest Pearl City, HI Car Insurance for Seniors

Take a look at Pearl City, 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 Pearl City, Hawaii

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,130 $2,130
Farmers $4,562 $4,562
GEICO $3,201 $3,201
Liberty Mutual $3,069 $3,069
Progressive $1,966 $1,966
State Farm $1,050 $1,050
USAA $1,258 $1,258

Cheapest Pearl City, HI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Pearl City, Hawaii

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,712
Farmers $10,820
GEICO $8,348
Liberty Mutual $6,544
Progressive $2,581
State Farm $1,050
USAA $1,942

Cheapest Pearl City, HI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Pearl City, Hawaii

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $1,999 $2,262
Farmers $4,664 $4,664
GEICO $3,201 $3,201
Liberty Mutual $3,078 $3,078
Progressive $2,164 $2,164
State Farm $1,050 $1,050
USAA $1,272 $1,272

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The Best Cheap Car Insurance Companies in Pearl City, HI

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

Average Annual Car Insurance Rates by Company in Pearl City, Hawaii

Insurance Company Average Annual Rates
Allstate $2,130
Farmers $4,664
GEICO $3,201
Liberty Mutual $3,078
Progressive $2,164
State Farm $1,050
USAA $1,272

Category Winners: Cheapest Car Insurance in Pearl City, Hawaii

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

Best Annual Car Insurance Rates by Company in Pearl City, Hawaii

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

Cheapest Pearl City, HI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Pearl City, Hawaii

Insurance Company Low Medium High
Allstate $1,976 $2,136 $2,279
Farmers $4,463 $4,702 $4,828
GEICO $3,038 $3,226 $3,338
Liberty Mutual $3,067 $2,900 $3,268
Progressive $1,959 $2,163 $2,371
State Farm $977 $1,053 $1,120
USAA $1,203 $1,272 $1,342

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What affects car insurance rates in Pearl City, Hawaii?

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

Commute Time in Pearl City

The more time you spend in your car the higher the risk of an accident. The average commute length in Pearl City, HI is 29.7 minutes according to City-Data.

Compare Car Insurance Quotes in Pearl City, HI

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

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