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Key Takeaways

  • Hawaii is the 636th most congested place in the world.
  • The average rate of car insurance in Hilo comes up to $2988.
  • State Farm is the cheapest car insurance company in Hawaii

How much does car insurance cost in Hilo?

The average rate of car insurance in Hilo comes up to $2988.

Finding inexpensive auto insurance has never been simpler. Instant estimates from auto insurance providers in Hilo, Hawaii, can be obtained using online resources.

Way.com is an amazing app for auto owners and your key to optimum insurance. With Way.com, you will uncover the finest coverage alternatives for your Hilo car insurance rates!

Hilo rates vs Hawaii and National Average

Hilo Average (annual) Hawaii Average United States Average
$2988 $1500 $1557

Hilo Auto Insurance Premiums by Company

Car insurance companies in Hilo, Hawaii, charge a fortune regarding car insurance premiums.

You can obtain the best coverage while saving time and money with the Way.com app, which can do the task quickly.

Insurance Company Average Rate (annual)
Allstate $2469
USAA $1236
Farmers $5496
Progressive $2427
Liberty Mutual $3660
State Farm $1098

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Hilo Auto Insurance Premiums by Age Group

The older you get, the lower you car insurance premiums become. The state of Hawaii follows this policy when it comes to car insurance rates.

Age tier Average Yearly Rate
20s $1398
30s $1089
60s $987

Hilo Auto Insurance Premiums by Marital Status

Finding cheap auto insurance for singles in Hilo, Hawaii is a challenge.

Marital Status Average Annual Rate
Single $2997
Married $2673
Divorced $2673
Widowed $2673

Hilo Auto Insurance Premiums by Gender

Irrespective of the gender the rates for the male and female drivers are the same. On an average, the annual rate for a car insurance would come up to $2910.

Gender Average Annual Rate
Female $2910
Male $2910

Hilo Auto Insurance Premiums by Driving Record

After researching and comparing rates, you're now prepared to purchase the best and most affordable vehicle insurance in Hilo, Hawaii, and determine your discount eligibility. If you need insurance following a DUI conviction, look into Hawaii SR22 car insurance.

The role of Way.com is now clear. Even if you have a less-than-stellar driving history (like, really less-than-stellar), there are still ways to get the policy you need by maximizing your rates and coverage.

Incident/Violation Average Yearly Rate
DUI/DWI $5028
Reckless Driving $3918
At-fault Accident $3738
Speeding Ticket $3597

Hilo Auto Insurance by Credit Rating

A variety of benefits always accompany good credit scores. They have a significant non-driving role in figuring out your auto insurance premiums. Many auto insurance companies utilize a credit-based auto insurance score to determine whether or not to accept you as a policyholder and, if they do, what premium you'll pay.

Credit can help you save money, even though it is just one of several elements that determine your rate.

Credit Score Average Yearly Rate
Very Poor $1263
Fair $1218
Good $1110
Very Good $996
Exceptional $951

Hilo Auto Insurance by ZIP Code

By Hilo, Hawaii's ZIP code, auto insurance premiums can differ. To determine how geography affects auto insurance prices, compare the annual cost of auto insurance in Hilo, Hawaii, by ZIP code.

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What would increase your car insurance rate in Hilo?

Auto insurance prices in Hilo, Hawaii, might be either higher or lower than those in other places for various reasons. In Hilo, Hawaii, these include the volume of traffic and the number of car thefts. In addition, your Hilo auto insurance prices could be ib impacted by various regional factors.

Make sure you have compared rates from many providers before purchasing car insurance in Hilo, AK. Enter your ZIP code to obtain cost-free Hilo, Hawaii, auto insurance quotes.

Auto insurance requirements in Hilo

Hawaii's auto insurance laws stipulate that you must carry 20/40/10 in Hilo. Finding affordable car insurance in Hilo may seem challenging, but you can find all the information you require right here. We'll go through several variables that affect auto insurance costs in Hilo, Hawaii, such as driving history, credit, travel time, and more.

You must comply with Hilo, Hawaii's minimal auto insurance requirements if you want to be held liable financially during an accident. So first, look at Hilo, Hawaii's mandated auto insurance requirements.

Make sure to obtain the appropriate level of coverage. Do you require merely liability insurance, which offers the bare minimum protection? When the car is financed, some customers need Full Coverage.

Whether you choose a full-coverage policy with comprehensive and collision insurance or stick to your state's minimum liability limits, your home state significantly impacts the cost of your financial protection against car-related charges.

It would be best if you had car insurance that satisfies the minimum legal criteria set forth by your state, irrespective of the carrier you choose. Typically, this entails purchasing a specified amount of liability insurance, but you can also be required to carry personal injury protection, medical payments coverage, and uninsured motorist coverage.

Ensure you have examined rates from many providers before purchasing Hilo, Hawaii, auto insurance. Enter your ZIP code above to obtain free auto insurance quotes for Hilo, Hawaii.

Accidents Statistics in Hilo

From the data available for the year 2019, we found that there were six car accidents in Hilo that turned fatal for the occupants.

Tips for Driving Safely in Hilo

Cities with longer commute times for drivers typically have higher auto insurance costs. For example, according to City-Data, commuting to Hilo, Hawaii, takes 18.4 minutes on average.

Pay attention to posted warnings, such as falling rocks or sudden flooding. Although Hawaii Island experiences pleasant weather most of the time, it occasionally faces dangerous weather events.

The island is impacted by hurricane season between June and November, and the winter snowfall on Mauna Kea Mountain is not rare.

Before embarking on a lengthy journey, always check the weather forecast. On the Hawaiian Islands, the sun sets early, typically between 6 and 7 p.m., depending on the season.

Hawaii is the 636th most congested place in the world.

Driving Conditions in Hilo, Hawaii

  • Wind - N 9 km/h
  • Wind Gusts - 9 km/h
  • Visibility - 16 km

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs

What does Hawaii require for car insurance?

The following minimum auto insurance standards for Hawaii must be met for a car to be driven on public roads: Liability insurance for bodily injury is set at $20,000 per person and $40,000 per accident. Therefore, $10,000 is the minimum personal injury protection. Likewise, liability insurance for property damage is $10,000.

How much is car insurance on the Big Island of Hawaii?

In Hawaii, full coverage auto insurance typically costs $1500. Hawaii's average annual minimum premium is $391. However, we discovered that you might probably get a cheaper policy.

How does no-fault insurance work in Hawaii?

One of the roughly 20 states in the union that adhere to "no-fault vehicle insurance" is Hawaii. As a result, your injury protection will cover your medical bills and other costs following a car accident in Hawaii. Regardless of who caused the accident by driving, both parties are eligible for PIP reimbursement.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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