Best Cheap Auto Insurance in Hilo, HI (2021)
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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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: May 17, 2021
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- 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.
Table of Contents
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.