Best Hilo, Hawaii Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
The best Hilo, Hawaii auto insurance features Nationwide, Geico, and Travelers, with rates starting at $150 per month. These top providers offer a range of options tailored to local needs, ensuring comprehensive coverage for drivers. Explore their policies to find the best fit for your needs in Hilo, Hawaii.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Oct 25, 2024
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UPDATED: Oct 25, 2024
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.
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1,731 reviewsWhen searching for the best Hilo, Hawaii auto insurance, Nationwide, Geico, and Travelers shine as top contenders with their attractive starting rates and wide-ranging coverage options.
Offering policies that start at $150 per month, these companies provide budget-friendly choices while delivering robust protection for Hilo drivers. Get more insights by reading our expert “What is auto insurance?” advice.
Among these, American Family stands out as the top pick, skillfully balancing affordability with high-quality service and comprehensive coverage. Explore the details to discover the perfect insurance plan tailored to your needs.
Our Top 10 Company Picks: Best Hilo, Hawaii Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 9% | A+ | Accident Forgiveness | Nationwide |
 | #2 | 10% | A++ | Affordable Rates | Geico |
 | #3 | 11% | A++ | Bundling Discounts | Travelers |
 | #4 | 8% | A+ | Competitive Rates | Progressive |
 | #5 | 7% | A | Discount Availability | American Family |
 | #6 | 7% | A | Family Plans | Farmers |
 | #7 | 10% | A++ | Military Members | USAA |
 | #8 | 9% | A | Multi-Policy Discounts | Liberty Mutual |
 | #9 | 11% | A+ | Safe-Driving Discounts | Allstate |
 | #10 | 8% | B | Teen Discounts | State Farm |
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.
- Nationwide, Geico, and Travelers offer the best Hilo, Hawaii auto insurance rates
- Policies start at $150, providing budget-friendly options for Hilo drivers
- The best Hilo insurance options provide strong value and comprehensive protection
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#1 – Nationwide: Top Overall Pick
Pros
- Affordable Rates: Provides affordable auto insurance in Hilo, Hawaii, particularly for drivers with clean histories, making it an excellent choice, according to Nationwide auto insurance review.
- Plenty of Discounts: Nationwide has plenty of discounts in Hilo, Hawaii, such as bundling home and car or safe driving, which can help you save significantly.
- Customizable Policies: Nationwide allows Hilo, Hawaii consumers to personalize their coverage with features such as accident forgiveness and assistance while driving.
Cons
- Discounts: Not all of Nationwide’s discounts are offered to every driver in Hilo, Hawaii. For certain groups, like younger drivers, some savings might be out of reach.
- No Pay-Per-Mile Options: If you don’t drive much, you might find Nationwide’s lack of a pay-per-mile insurance option a bit limiting.
#2 – Geico: Best for Low Premiums
Pros
- Low Premiums: Geico is known for its low premiums, which can be a big win for drivers in Hilo, Hawaii looking to save on insurance costs, as highlighted in our Geico auto insurance review.
- Good Coverage for High-Risk Drivers: Geico is often more accommodating to high-risk drivers than some competitors, which can be a significant advantage if your driving record isn’t perfect.
- Bundle Savings: If you have multiple vehicles or bundle your insurance with other policies, Geico can offer significant savings, which is great for families or multi-car households in Hilo, Hawaii.
Cons
- Less Customization Available: While Geico offers solid basic coverage, it doesn’t provide as many customization options for drivers in Hilo, Hawaii who may need more tailored policies.
- Potential Administrative Fees: Some drivers have reported higher fees for policy changes or cancellations, which could add unexpected costs if you need to adjust your coverage.
#3 – Travelers: Best for Coverage Options
Pros
- Coverage Options: Travelers provides personalized coverage options in Hilo, Hawaii, ranging from basic protection to comprehensive insurance to meet your specific needs.
- Bundling Savings: If you bundle your auto insurance with other types of coverage like home or renters insurance, Travelers offers significant savings, which can be a big plus for households in Hilo, HI.
- Usage-Based Insurance: If you don’t drive very often, Travelers has a usage-based insurance program that could help you save money based on your actual driving habits.
Cons
- Digital Tools: Nationwide’s mobile app and web tools are useful, but they lack advanced features that some tech-savvy drivers in Hilo, HI may prefer, according to Travelers auto insurance review.
- Discounts Might Be Less Extensive: While Travelers offers discounts, they may not be as extensive or varied as those from other insurers, particularly for younger or high-risk drivers in Hilo, Hawaii.
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#4 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program: Allows you to save money based on your actual driving habits. If you’re a cautious driver in Hilo, HI, this could result in savings, as noted in our Progressive auto insurance review.
- Coverage Options: Extensive range of coverage options ensures that Hilo, HI drivers can find a policy that perfectly matches their needs, whether they require minimal coverage or comprehensive protection.
- Convenient Mobile App: The Progressive app is user-friendly, offering Hilo, Hawaii residents the ability to manage their insurance policies, file claims, and handle payments from their smartphones with ease.
Cons
- Complex Policy Choices: The numerous coverage options available can sometimes be overwhelming, particularly for individuals who are not well-versed in insurance terminology or are new to Hilo, Hawaii.
- Cost for Young Drivers: Rates for younger or inexperienced drivers might be higher than those offered by other insurance providers, which could be a drawback for Hilo, Hawaii’s younger population.
#5 – American Family: Best for Diverse Coverage Options
Pros
- Diverse Coverage Options: American Family provides a comprehensive array of coverage options, making it easier for Hilo, Hawaii drivers to select a policy that best fits their unique needs.
- Safe Driving: Rewards safe driving with various discounts, offering financial benefits to Hilo, Hawaii residents who maintain a clean driving record, as noted in our American Family auto insurance review.
- Add-On Coverage Options: American Family offers a range of add-on options, such as accident forgiveness and rental car coverage, allowing for a tailored insurance experience in Hilo, Hawaii.
Cons
- Higher Rates for High-Risk Drivers: Drivers with a less-than-perfect driving history might encounter higher rates with American Family, which could be a drawback for high-risk drivers in Hilo, Hawaii.
- Limited Advanced Digital Features: Although their online services are functional, American Family’s digital tools may not be as advanced or feature-rich as those offered by some competitors.
#6 – Farmers: Best for Flexible Payment Plans
Pros
- Flexible Payment Plans: Farmers provides various payment options, including monthly and annual plans, which helps Hilo, Hawaii drivers manage their insurance costs more effectively.
- Dependable Claims Support: Farmers is recognized for its reliable claims support, making it easier for drivers in Hilo, Hawaii to handle claims and get their vehicles repaired quickly.
- Customizable Policy Options: Farmers allows for various add-ons and additional coverage options, enabling Hilo, Hawaii drivers to fine-tune their policies to meet their specific requirements.
Cons
- Additional Costs for Policy Changes: Some drivers have reported additional fees for altering or canceling their policies, which could be an issue for those needing flexibility in Hilo, Hawaii.
- Complex Policy: The variety of coverage options can be perplexing, especially for new drivers or those unfamiliar with insurance terms in Hilo, HI, as noted in our Farmers auto insurance review.
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#7 – USAA: Best for Military Rates
Pros
- Military Rates: Offers some of the best insurance rates available, specifically for active military members and their families residing in Hilo, HI, as highlighted in our USAA auto insurance review.
- Attractive Discounts: USAA offers numerous discounts, including those for safe driving, good student grades, and policy bundling, which can significantly reduce premiums for Hilo, Hawaii drivers.
- Roadside Assistance: USAA includes roadside assistance as part of their coverage, which is a valuable feature for those encountering vehicle issues while driving in Hilo, Hawaii.
Cons
- Limited to Military Members: USAA’s services are primarily available to military members and their families, which means that non-military drivers in Hilo, Hawaii cannot access their insurance products.
- Higher Rates for Non-Military Drivers: For those outside of the military community, USAA’s rates may not be as competitive, which could be a drawback for non-military drivers in Hilo, Hawaii.
#8 – Liberty Mutual: Best for Customizable Coverage
Pros
- Customizable Coverage: Drivers in Hilo, Hawaii, are able to customize their Liberty Mutual protection to their specific needs., as mentioned in our Liberty Mutual auto insurance review.
- Flexible Payment Plans: Liberty Mutual offers various payment options, including monthly and annual plans, which can help manage insurance costs for Hilo, Hawaii residents.
- Innovative Technology: Drivers in Hilo, Hawaii who are tech-savvy may find Liberty Mutual’s usage of cutting-edge technology advantageous for handling insurance and handling claims.
Cons
- Limited Local Agent: Although Liberty Mutual is a leader in digital services, individuals who prefer in-person interactions may find it inconvenient because there aren’t as many local agents in Hilo, Hawaii.
- Possible Extra Fees for Policy Changes: Some drivers have reported additional fees for altering or canceling their policies, which could be a concern for Hilo, Hawaii residents needing flexibility.
#9 – Allstate: Best for Discounts for Safe Driving and Bundling
Pros
- Safe Driving and Bundling: In order to help drivers in Hilo, Hawaii, save money on premiums, Allstate offers a number of discounts, such as those for safe driving and combining several policies.
- User-Friendly Digital Tools: Allstate’s online platform and mobile app are designed for ease of use, making it convenient for Hilo, Hawaii drivers to manage their policies, file claims, and make payments.
- Accident Forgiveness Program: The accident forgiveness program ensures that your first accident won’t impact your insurance rates, providing valuable protection for drivers in Hilo, Hawaii.
Cons
- Higher Rates: In Hilo, HI, drivers with accident histories or bad credit may find that Allstate’s prices are greater than those of other insurance companies, as noted in our Allstate auto insurance review.
- Digital Features: While their digital tools are effective, they might not offer as many advanced features as those provided by some competitors, which could be a limitation for tech-savvy users in Hilo, HI.
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#10 – State Farm: Best for Digital Tools
Pros
- Digital Tools: Because of the user-friendly design of the State Farm website and mobile app, drivers in Hilo, Hawaii can easily manage their policies, submit claims, and make payments.
- Roadside Assistance: If your car breaks down while you’re driving around Hilo, HI, State Farm’s roadside assistance coverage comes in quite handy, as noted in our State Farm auto insurance review.
- Flexible Payment Options: A variety of payment plans, such as monthly and yearly alternatives, are available from State Farm to assist you in better managing your insurance budget.
Cons
- Restricted Savings: State Farm’s discounts for teenage drivers aren’t always as substantial as those provided by other insurance companies, which could result in higher costs.
- Online Features: Although their digital tools are useful, Hilo, HI residents who are tech-savvy may find that they do not offer as many cutting-edge features or innovations as some of their competitors.
Best Minimum Coverage Auto Insurance in Hilo, Hawaii
Securing the best minimum coverage auto insurance in Hilo, Hawaii is essential for drivers looking to meet state requirements while staying within budget. Explore our detailed analysis on “Car Insurance Quotes: Compare Cheap Coverage” for additional information.
Hilo, Hawaii Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $191 | $321 |
| $186 | $311 |
| $188 | $336 |
| $167 | $382 |
| $202 | $346 |
| $183 | $317 |
| $174 | $294 |
| $162 | $276 |
| $191 | $328 |
| $150 | $263 |
With numerous providers offering a range of affordable policies, it’s important to compare rates and coverage options to find the most reliable protection for your needs.
Hilo, Hawaii Auto Insurance Monthly Rates by Coverage Requirements
| 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 |
Whether you’re seeking basic liability or comprehensive add-ons, understanding the market will help you get the best value for your investment. Navigating Hilo’s insurance landscape ensures you drive with confidence, knowing your vehicle is covered.
Auto Insurance Discounts From the Top Providers in Hilo, Hawaii
Insurance Company Available Discounts
Bundling, Safe Driver, New Car
KnowYourDrive®, Bundling, Loyalty
Signal® Program, Bundling, Homeowner
Defensive Driving, Good Driver, Multi-Vehicle
Bundling, Anti-Theft, Online Purchase
SmartRide®, Bundling, Accident-Free
Snapshot®, Bundling, Homeowner
Drive Safe & Save™, Bundling, Good Student
IntelliDrive®, Bundling, Hybrid Vehicle
Military, Loyalty, Safe Driver
Finding the best minimum coverage auto insurance in Hilo, Hawaii doesn’t have to be difficult. By evaluating your needs and comparing offerings from top providers, you can secure a policy that fits your budget without compromising on essential protection.
Hilo, Hawaii Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | A | Low traffic congestion reduces accidents and premiums |
| Weather-Related Risks | B+ | Hilo is less affected by hurricanes, minimizing weather-related risks |
| Vehicle Theft Rate | B | Moderate vehicle theft rate keeps premiums lower than national average |
| Uninsured Drivers Rate | B | A moderate number of uninsured drivers slightly raises premiums |
| Average Claim Size | C+ | Higher repair costs increase the average claim size |
Whether you’re looking for affordability or comprehensive support, the right plan ensures that you’re prepared for whatever the road may bring.
Hilo Car Insurance: Age, Gender, and Marital Status Rates
Navigating auto insurance in Hilo can be a challenge, especially when considering factors like age, gender, and marital status.
Understanding how these elements influence your insurance rates can help you find the best deals tailored to your specific profile. Explore how these variables impact your premiums and discover the most affordable options available.
Hilo, Hawaii Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $331 | $383 | $134 | $140 | $124 | $130 | $110 | $114 |
| $214 | $290 | $87 | $103 | $81 | $96 | $73 | $74 |
| $426 | $448 | $123 | $128 | $114 | $119 | $86 | $91 |
| $163 | $188 | $72 | $69 | $67 | $64 | $54 | $55 |
| $392 | $469 | $138 | $158 | $128 | $147 | $109 | $117 |
| $223 | $285 | $100 | $110 | $93 | $102 | $73 | $77 |
| $440 | $492 | $105 | $109 | $97 | $101 | $69 | $71 |
| $170 | $211 | $75 | $82 | $69 | $76 | $56 | $56 |
| $388 | $542 | $78 | $85 | $73 | $79 | $65 | $66 |
| $134 | $151 | $59 | $64 | $55 | $59 | $39 | $39 |
By examining insurance rates through the lenses of age, gender, and marital status, you can better strategize for cost-effective coverage in Hilo. Make informed decisions to ensure you secure the best possible rates and enjoy peace of mind on the road. Discover our comprehensive guide to “Companies With the Cheapest Teen Auto Insurance” for additional insights.
Hilo Auto Insurance: Best Rates for Teen Drivers
Finding affordable auto insurance for teen drivers in Hilo can be challenging, but knowing where to look makes all the difference. By focusing on the best rates available, you can ensure that young drivers get the coverage they need without breaking the bank. Discover how to secure cost-effective insurance tailored specifically for teen drivers in Hilo.
Hilo, Hawaii Teen Auto Insurance Monthly Rates by Provider & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male |
|---|---|---|
| $331 | $383 |
| $214 | $290 |
| $426 | $448 |
| $163 | $188 |
| $392 | $469 |
| $223 | $285 |
| $440 | $492 |
| $170 | $211 |
| $388 | $542 |
| $134 | $151 |
With the right approach, securing budget-friendly auto insurance for teens in Hilo is achievable. Explore your options to find the best rates and make sure young drivers have the protection they need at a price that fits your budget.
Hilo Auto Insurance: Best Rates for Seniors Drivers
Securing affordable auto insurance for senior drivers in Hilo requires careful consideration of the best available rates. By focusing on options tailored for experienced drivers, you can find policies that offer both excellent coverage and value. Learn how to navigate the market to get the most cost-effective insurance for seniors in Hilo.
Hilo, Hawaii Senior Auto Insurance Monthly Rates by Provider & Gender
| Insurance Company | Age: 60 Female | Age: 60 Male |
|---|---|---|
| $110 | $114 |
| $73 | $74 |
| $86 | $91 |
| $54 | $55 |
| $109 | $117 |
| $73 | $77 |
| $69 | $71 |
| $56 | $56 |
| $65 | $66 |
| $39 | $39 |
Finding the right auto insurance for seniors in Hilo doesn’t have to be complicated. Explore top-rated options to ensure you receive the best coverage at the most competitive rates, tailored specifically for experienced drivers.
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Hilo Auto Insurance Discounts for Different Driving Records
Finding auto insurance in Hilo that offers discounts based on your driving record can lead to significant savings. Whether you have a clean slate or a few blemishes, understanding how insurers adjust rates for different driving histories helps you secure the best deal.
Hilo, Hawaii Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $122 | $167 | $180 | $348 |
| $123 | $96 | $82 | $357 |
| $219 | $219 | $328 | $1,064 |
| $129 | $129 | $168 | $809 |
| $161 | $201 | $201 | $652 |
| $119 | $102 | $84 | $350 |
| $152 | $198 | $215 | $241 |
| $82 | $90 | $98 | $90 |
| $102 | $79 | $72 | $666 |
| $77 | $81 | $96 | $154 |
Explore how different driving records influence insurance premiums and uncover potential savings tailored to your unique driving history. For further details, check out our in-depth “How Auto Insurance Companies Check Driving Records” article.
Hilo, Hawaii Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents per Year | 450 |
| Claims per Year | 2,300 |
| Average Claim Cost | $4,400 |
| Percentage of Uninsured Drivers | 12% |
| Vehicle Theft Rate | 130 thefts/year |
| Traffic Density | Moderate |
| Weather-Related Incidents | Low |
Navigating auto insurance discounts in Hilo based on your driving record can optimize your savings. By comparing how different driving histories affect rates, you can make an informed choice and find the most affordable coverage tailored to your driving background.
Finding Low-Cost Hilo Insurance Rates After a DUI
Finding affordable auto insurance in Hilo after a DUI can be tough, but exploring different providers and understanding rate impacts can help. Discover strategies to secure cost-effective coverage without sacrificing essential protection.
Hilo, Hawaii DUI Auto Insurance Rates
| Insurance Company | Monthly Rates |
|---|---|
| $348 |
| $357 |
| $1,064 |
| $809 |
| $652 |
| $350 |
| $241 |
| $90 |
| $666 |
| $154 |
Managing auto insurance costs in Hilo with a DUI record is possible with the right approach. Compare rates and explore options to find a plan that fits your budget and meets your coverage needs effectively.
ZIP Code-Based Auto Insurance Rates in Hilo, Hawaii
Understanding how your ZIP code affects auto insurance rates can help you find the best deals in Hilo, Hawaii. Variations in insurance costs based on ZIP codes often reflect different risk levels and regional factors. By examining these differences, you can identify more affordable insurance options tailored to your specific location.
By exploring ZIP code-based auto insurance rates in Hilo, you can uncover savings opportunities and make an informed choice for your coverage needs. Use this information to compare rates and find the most cost-effective insurance solution for your area. Learn more by visiting our detailed “Auto insurance rates by ZIP code” section.
Affordable Coverage in Hilo: Insurance Rates by Commute
Discover how your daily commute influences your auto insurance rates in Hilo. From short commutes to longer drives, insurance premiums can vary significantly based on how far you travel. Understanding these variations helps you find the most affordable coverage tailored to your specific needs.
Hilo, Hawaii Auto Insurance Monthly Rates by Provider & Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $191 | $218 |
| $142 | $165 |
| $457 | $457 |
| $309 | $309 |
| $304 | $320 |
| $129 | $140 |
| $201 | $215 |
| $90 | $100 |
| $132 | $144 |
| $102 | $112 |
Evaluating insurance rates based on commute length can uncover opportunities for substantial savings in Hilo. By assessing your driving habits, you can secure the best possible coverage at a rate that suits your budget.
Explore these insights to optimize your insurance choices today. Read our extensive guide on “What are the recommended auto insurance coverage levels?” for more knowledge.
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Hilo Auto Insurance: Rates for Different Coverage Options
Discover how varying coverage options influence auto insurance rates in Hilo, Hawaii. Whether you’re seeking basic liability or comprehensive protection, understanding the cost implications of each coverage level can help you make an informed decision. Explore the range of rates available based on different insurance options to find the best fit for your needs.
By examining the impact of different coverage levels on insurance rates, you can better navigate the options available in Hilo. Evaluating these rates will ensure you secure the most cost-effective coverage while meeting your insurance requirements. For more information, explore our informative “What does standard auto insurance cover?” page.
Finding the Cheapest Auto Insurance in Hilo: Category Insights
Discovering the most affordable auto insurance in Hilo requires a nuanced approach, as rates can vary significantly based on coverage options, provider, and individual needs. By breaking down insurance costs into specific categories, you can pinpoint the best value for your requirements. Explore these insights to find out which auto insurance options offer the best savings in Hilo.
<spCheapest Hilo, Hawaii Auto Insurance Providers by Driver Profile
| Driver Profile | Insurance Company |
|---|---|
| Teenagers | |
| Seniors | |
| Clean Record | |
| One Accident | |
| One DUI | |
| One Ticket | |
Understanding auto insurance rates by category helps you make an informed decision and secure the most cost-effective coverage in Hilo. With this detailed overview, you’re well-equipped to choose an insurance plan that aligns with your budget and needs.
Dive into the options to find the best deals available. Continue reading our full “Types of Auto Insurance” guide for extra tips.
Discounted Auto Insurance Providers in Hilo, Hawaii
Discover the top auto insurance providers in Hilo, Hawaii, offering significant discounts without compromising coverage quality. Explore which companies offer the most competitive rates and the best value for drivers seeking budget-friendly options. Dive deeper into “Where can I compare online auto insurance companies?” with our complete resource.
<Hilo, Hawaii Auto Insurance Discounts by Provider
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Anti-Theft, Good Student, Multi-Policy |
| Defensive Driving, Multi-Car, Safe Driver, New Car |
| Anti-Theft, Multi-Policy, Safe Driver, Defensive Driving |
| Good Student, Safe Driver, Defensive Driving, Multi-Car |
| Multi-Car, Defensive Driving, Safe Driver, Anti-Theft |
| New Car, Multi-Policy, Defensive Driving, Safe Driver |
| Safe Driver, Good Student, Defensive Driving, Multi-Car |
| Multi-Policy, Anti-Theft, Defensive Driving, Safe Driver |
| Good Student, Safe Driver, Multi-Car, Defensive Driving |
| Defensive Driving, Multi-Car, Safe Driver, Anti-Theft |
Choosing the right auto insurance provider can greatly impact your savings. With the insights from this guide, you can confidently select a discounted insurance plan in Hilo that fits your needs and budget. Start saving on your auto insurance today.
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Analyzing Factors Affecting Hilo, Hawaii Auto Insurance Rates
Understanding the factors that influence auto insurance rates in Hilo, Hawaii, is essential for drivers seeking the best deals. Variables such as driving history, vehicle type, and local regulations play crucial roles in determining insurance costs.
Dive into these elements to see how they impact your premium and find ways to potentially lower your rates. Expand your understanding with our thorough “Factors That Affect Auto Insurance Rates” overview.
Hilo Commute Duration
Generally, areas where drivers face longer commute times see higher auto insurance rates. In Hilo, Hawaii, the average commute time is about 18.4 minutes, as reported by City-Data.
Hilo Traffic Conditions
Hilo, Hawaii is the 636th fastest growing city in the world based on Inrix especially when it addresses traffic.
Get the Best Auto Insurance Quotes in Hilo, Hawaii
Securing the best auto insurance quotes in Hilo, Hawaii, involves evaluating a variety of options to ensure you get the most competitive rates. By comparing different providers, you can find policies that fit your budget while offering comprehensive coverage tailored to your needs. Get more insights by reading our expert “How to Compare Auto Insurance Quotes” advice.
Nationwide’s coverage options and competitive rates make it a standout choice for drivers in Hilo, Hawaii, balancing affordability with comprehensive protection.Scott W. Johnson Licensed Insurance Agent
This approach not only helps in saving money but also ensures that you’re well-protected on the road. Start comparing quotes now to find the best deal and enjoy peace of mind with your auto insurance.
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
What is the best auto insurance coverage in Hilo, Hawaii?
The best auto insurance coverage in Hilo, Hawaii generally depends on individual needs, but full coverage policies, which include liability, collision, and comprehensive coverage, tend to offer the most protection.
What are the car insurance requirements in Hilo, Hawaii?
Hilo, Hawaii requires drivers to carry at least minimum liability coverage, which includes $20,000 for bodily injury per person, $40,000 per accident, and $10,000 for property damage. Personal Injury Protection (PIP) is also required.
Discover our comprehensive guide to “Auto Insurance Coverage” for additional insights.
What should I consider when choosing an insurer in Hilo, Hawaii?
When choosing an insurer in Hilo, Hawaii, consider factors such as reputation, claims satisfaction, customer service, coverage options, and rates. It’s important to compare several providers before making a decision.
Is Geico good in Hilo, Hawaii?
Yes, Geico is known for offering competitive rates and solid customer service in Hilo, Hawaii. It is often recommended for drivers seeking affordable premiums without sacrificing essential coverage.
What is the required auto insurance in Hilo, Hawaii?
The required auto insurance in Hilo, Hawaii includes liability insurance for bodily injury and property damage, as well as Personal Injury Protection (PIP). This basic coverage is mandatory for all drivers.
For further details, check out our in-depth “Cheapest Liability-Only Auto Insurance” article.
Which company offers the lowest insurance rates in Hilo, Hawaii?
Geico, Nationwide, and Travelers typically offer some of the lowest insurance rates in Hilo, Hawaii. However, it’s advisable to get personalized quotes, as rates can vary based on individual circumstances.
What is the best service insurance company in Hilo, Hawaii?
The best service insurance company in Hilo, Hawaii is often considered to be USAA, although it is only available to military personnel and their families. For non-military drivers, State Farm and American Family are well-regarded for their customer service.
Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.
Is Allstate cheaper than Geico in Hilo, Hawaii?
Generally, Geico tends to offer lower rates compared to Allstate in Hilo, Hawaii. However, your driving history, vehicle type, and desired coverage will ultimately determine which is more affordable.
Learn more by visiting our detailed “Comparing Auto Insurance” section.
Who are the top 10 insurance companies in Hilo, Hawaii?
The top 10 insurance companies in Hilo, Hawaii typically include Nationwide, Geico, Travelers, State Farm, Allstate, Progressive, USAA, Liberty Mutual, Farmers, and American Family.
What are the most expensive areas for auto insurance in Hilo, Hawaii?
Certain neighborhoods in Hilo, Hawaii with higher traffic density or more frequent claims history may see higher auto insurance rates, but overall, Hilo tends to have moderate insurance costs.
What is the penalty for no insurance in Hilo, Hawaii?
Driving without insurance in Hilo, Hawaii can result in fines up to $5,000, license suspension, and possible vehicle impoundment. Repeat offenses can lead to harsher penalties, including jail time.
Expand your understanding with our thorough “Auto Insurance Claims” overview.
Do I need extra car insurance in Hilo, Hawaii?
While the minimum coverage is required, many drivers in Hilo, Hawaii opt for extra insurance such as collision, comprehensive, or uninsured motorist coverage to enhance protection.
Why is insurance so cheap in Hilo, Hawaii?
Insurance is relatively cheap in Hilo, Hawaii due to low crime rates, fewer major traffic issues, and less frequent severe weather events that can contribute to higher premiums in other areas.
What is the best type of insurance to get in Hilo, Hawaii?
The best type of insurance to get in Hilo, Hawaii depends on your individual needs. Full coverage policies that include liability, collision, and comprehensive are often recommended for maximum protection.
Read our extensive guide on “Full Coverage Auto Insurance Defined” for more knowledge.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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