Hilo, HI Auto Insurance (2023)
The average Hilo, HI auto insurance rates are $238 per month. The minimum auto insurance in Hilo is at least 20/40/10 in coverage to comply with Hawaii auto insurance laws. To find the best cheap auto insurance in Hilo, Hawaii, compare quotes from multiple companies.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...
Commercial Lines Coverage Specialist
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Hilo is 18.4 minutes
- The minimum auto insurance required in Hilo, Hawaii is 20/40/10
- The cheapest auto insurance company in Hilo is State Farm
Hilo, Hawaii auto insurance requirements are 20/40/10 according to Hawaii auto insurance laws. Finding cheap auto insurance in Hilo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hilo, Hawaii, including driving record, credit, commute time, and more.
Compare auto insurance in Hilo to other Hawaii cities, including Hauula auto insurance rates, Halawa auto insurance rates, and Aiea auto insurance rates to see how Hilo, Hawaii auto insurance rates stack up.
Before you buy Hilo, Hawaii auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hilo, Hawaii auto insurance quotes.
Minimum Auto Insurance in Hilo, Hawaii
Hilo, Hawaii auto insurance laws require that you have at least the Hawaii minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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 |
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Cheap Hilo, Hawaii Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Hilo, Hawaii are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Hilo, Hawaii Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Hilo, Hawaii is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Hilo, Hawaii Auto Insurance for Seniors
What are senior auto insurance rates in Hilo, Hawaii? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Hilo, Hawaii Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hilo, Hawaii compared to the annual auto insurance rates with a clean record in Hilo, Hawaii.
| 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 |
Cheap Hilo, Hawaii Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Hilo, Hawaii is not easy. Compare the annual rates for DUI auto insurance in Hilo, Hawaii to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Hilo, Hawaii Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Hilo, Hawaii can vary. Compare the annual cost of auto insurance by ZIP code in Hilo, Hawaii to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 96720 | $2,859 |
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Cheap Hilo, Hawaii Auto Insurance Rates By Commute
Commute length and annual mileage affect Hilo, Hawaii auto insurance. Find the cheapest annual Hilo, Hawaii auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Hilo, Hawaii Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Hilo, Hawaii? Check out the comparison of annual Hilo, Hawaii auto insurance rates by coverage level.
| 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 |
Best By Category: Cheapest Auto Insurance in Hilo, Hawaii
Compare the cheapest auto insurance companies in Hilo, Hawaii in each category to find the company with the best rates for your personal needs.
| 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 |
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The Cheapest Hilo, Hawaii Auto Insurance Companies
What auto insurance companies in Hilo, Hawaii are the cheapest? Compare the top Hilo, Hawaii auto insurance companies to find the best annual rates.
| 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 |
What affects auto insurance rates in Hilo, Hawaii?
There are a lot of reasons why auto insurance rates in Hilo, Hawaii are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hilo, Hawaii. Many local factors may affect your Hilo auto insurance rates.
Hilo Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hilo, Hawaii commute length is 18.4 minutes according to City-Data.
Hilo Traffic
How does Hilo, Hawaii rank for traffic? According to Inrix Hilo, Hawaii is the 636th most congested worldwide.
Compare Hilo, Hawaii Auto Insurance Quotes
Before you buy Hilo, Hawaii auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hilo, Hawaii auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Hilo, HI?
Yes, auto insurance is mandatory in Hilo, HI, as it is in most states in the United States. Hawaii follows a “no-fault” insurance system, which requires drivers to carry a minimum amount of personal injury protection (PIP) coverage.
What is personal injury protection (PIP) coverage?
Personal injury protection (PIP) coverage is a type of auto insurance coverage that pays for medical expenses, lost wages, and other related costs resulting from injuries sustained in a car accident, regardless of fault. In Hilo, HI, drivers are required to carry a minimum of $10,000 in PIP coverage.
What are the minimum auto insurance requirements in Hilo, HI?
In Hilo, HI, the minimum auto insurance requirements include:
- $10,000 in personal injury protection (PIP) coverage
- $20,000 per person and $40,000 per accident in bodily injury liability coverage
- $10,000 per accident in property damage liability coverage
What is bodily injury liability coverage?
Bodily injury liability coverage is a type of auto insurance that helps cover the medical expenses, lost wages, and legal costs associated with injuries or death of another person if you are found at fault in an accident. The coverage limits represent the maximum amount the insurance company will pay per person and per accident.
What is property damage liability coverage?
Property damage liability coverage is a type of auto insurance that pays for the repair or replacement costs of another person’s property, such as their vehicle or other structures, if you are found at fault in an accident. The coverage limit represents the maximum amount the insurance company will pay per accident.
What should I do after an accident in Hilo, HI?
After an accident in Hilo, HI, follow these steps:
- Ensure your safety and the safety of others involved.
- Call the police to report the accident.
- Exchange contact and insurance information with the other driver(s) involved.
- Document the accident scene by taking photos and noting any relevant details.
- Notify your insurance company and provide them with accurate information about the accident.
- Seek medical attention if necessary.
- Cooperate with the insurance company’s investigation of the claim.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.