Best Hilo, HI Auto Insurance in 2024 (Your Guide to the Top 10 Providers)
Geico, State Farm, and Allstate offer the Best Hilo, HI Auto Insurance, with monthly rates beginning at $65. Geico's leading providers and State Farm deliver the best balance of affordability and comprehensive coverage, and Allstate offers dependable customer service, making them ideal for Hilo car insurance.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Dec 7, 2024
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Full Coverage in Hilo HI
A.M. Best
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19,116 reviews
17,759 reviewsCompany Facts
Full Coverage in Hilo HI
A.M. Best
Complaint Level
17,759 reviews
11,413 reviewsCompany Facts
Full Coverage in Hilo HI
A.M. Best
Complaint Level
11,413 reviewsThe top providers for auto insurance in Hilo, HI, include Allstate, Farmers, and Geico, with rates starting as low as $65 per month.
Allstate stands out by offering the Best car insurance rates in Hilo along with the most comprehensive coverage, making it the leading choice overall.
Our Top 10 Company Picks: Best Hilo, HI Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | A++ | Best Value | Geico |
 | #2 | 17% | B | Personalized Service | State Farm |
 | #3 | 25% | A+ | Comprehensive Coverage | Allstate |
 | #4 | 10% | A+ | Flexible Options | Progressive |
 | #5 | 10% | A++ | Military Discounts | USAA |
 | #6 | 20% | A | Customizable Plans | Farmers |
 | #7 | 25% | A | Robust Features | Liberty Mutual |
 | #8 | 20% | A+ | Reliable Support | Nationwide |
 | #9 | 13% | A++ | Quick Claims | Travelers |
 | #10 | 13% | A++ | Senior Benefits | The Hartford |
These providers offer the best price and service balance for Hilo car insurance. Use our free quote comparison tool above to discover the best Hilo, HI auto insurance coverage rates in your area.
- Geico, State Farm, and Allstate offer the best Hilo, HI auto insurance options
- Monthly rates start as low as $65, making coverage affordable for Hilo drivers
- Geico is the top pick, with competitive pricing and reliable customer service
#1– Geico: Top Pick Overall
Pros
- Affordable Prices: Geico offers the cheapest quotes, making it a leading auto insurance provider. A Geico auto insurance review helps compare quotes and coverage.
- Excellent Financial Strength: Geico holds an A++ rating, assuring customers of its financial stability and reliability.
- Large Bundling Discount: Geico can bundle up to a 25% discount, which adds to its customers.
Cons
- Few Local Agents: These agents are available primarily online, which can limit personal service to its customers.
- Military-Specific Discounts: Some discounts through Geico are only available to military families.
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#2– State Farm: Best for Personalized Service
Pros
- Tailor-made Service: State Farm is customer service-oriented and can suit the preferences of an individual looking for car insurance with a personal touch.
- Massive Agent Network: Several local agents are available to manage care seamlessly.
- Flexible Policies: Their policies can be changed according to specific needs, making them flexible and suitable for every coverage preference.
Cons
- Lower A.M. Best Rating: A B rating may not attract individuals interested in financially top-rated insurance.
- Higher Premium: Read the State Farm auto insurance review because their rates are likely higher than other competing firms.
#3 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: This policy has great options. It is suitable for full coverage.
- Strong Financial Stability: An A+ rating ensures the insurance company’s reliability. For coverage insights, read an Allstate auto insurance review.
- Large Bundling Discount: With up to a 25% discount, Allstate offers value for customers with multiple policies.
Cons
- Higher Premiums : Allstate’s rates may be higher, particularly for comprehensive coverage.
- Mixed Customer Service : Some reviews indicate inconsistent service.
#4– Progressive: Best for Flexible Options
Pros
- Flexible Options: Progressive offers personalized auto insurance options. Read a Progressive auto insurance review to learn what they offer.
- Usage-Based Discounts: Usage-based discounts will ensure that any option with Progressive will provide savings.
- Solid Financial Rating: With a solid rating of A+, Progressive provides a secure auto insurance option.
Cons
- Limited In-Person Support: It is primarily online, which may be a drawback for clients who prefer to have a local agent.
- Best rates for a few drivers: Progressive’s best rates are sometimes higher for high-risk drivers.
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#5 – USAA: Best for Military Discounts
Pros
- Flexible Options: Progressive offers customizable auto insurance options. Read a Progressive auto insurance review to learn what they offer.
- Usage-Based Discounts: Usage-based discounts may make Progressive a great choice, with possibly higher savings.
- Solid Financial Rating: With a solid A+ rating, Progressive offers safe auto insurance.
Cons
- Limited In-Person Support: It is mainly online, which may not quite appeal to customers who prefer neighborhood agents.
- Rates More Expensive for Some Drivers: Progressive charges may be more than the price for some drivers.
#6 – Farmers: Best for Customizable Plans
Pros
- Flexible Plan Options: Farmers allow customers to adjust policy options according to an individual’s needs.
- Good Customer Service: Farmers have good customer service and always aim for improvement. Read more in a Farmers auto insurance review.
- Bundling Discount: Offered with a 20% discount, Farmers provides multiple policy savings.
Cons
- Average Financial Rating: Farmers’ A rating is slightly lower, which may bother some people looking for the best auto insurance.
- Fewer Discounts: Compared with its peers, fewer discounts are available, which impacts the affordability of the best auto insurance.
#7 – Liberty Mutual: Best for Robust Features
Pros
- Broad Coverage: Liberty Mutual’s wide range of coverage options is best for comprehensive auto insurance.
- Excellent Bundling Discount: Liberty Mutual’s auto insurance review indicates up to a 25% discount, which is great.
- Excellent Financial Rating: An A rating reflects the provider’s financial stability, which is important for reliable insurance.
Cons
- High Premium Costs: Liberty Mutual’s policies may be expensive when getting full coverage.
- Mixed Quality of Service: Some customers experience inconsistent service that would detract from overall satisfaction.
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#8 – Nationwide: Best for Reliable Support
Pros
- Customer support is highly visible and great for the best auto insurance.
- Financial Stability: A Nationwide auto insurance review obtains an A+ rating, thus offering a true guarantee cover for the best auto insurance.
- Multi-Policy Discount: The company offers a 20% discount on multiple packages, helping you cut expenses on auto insurance
Cons
- Discounts: Discounts are sometimes available at lower prices, affecting potential savings.
- Younger Drivers Enjoy Higher Premium Quotations: Premiums are quoted much higher for younger drivers seeking coverage.
#9 – Travelers: Best for Quick Claims
Pros
- Fast Claims Process: Known for quick claims and excellent service.
- Financial Strength: Having an A++ rating means security. Read a Traveler’s auto insurance review to learn about their financial strength and credibility.
- Personalized Coverage: Travelers provide options according to one’s needs.
Cons
- Local Agent Network is Not That Large: This is primarily an online company. Those requiring agents in the local area may not prefer this company.
- Premium covering at extra cost: High rates are available for premium and high-quality comprehensive coverage.
#10 – The Hartford: Best for Senior Benefits
Pros
- Senior Discounts: The Hartford car insurance review is helpful for seniors since it caters to their specific needs.
- Good Financial Rating: Being A++ establishes it as an unshakeable top-line auto insurance.
- Good Customer Service: It offers good quality and increases the satisfaction of finding reliable auto insurance.
Cons
- High Premiums for Non-Seniors: The company might be more expensive for younger drivers.
- Discounts Mostly for Seniors: Not many discounts are offered for other than senior drivers.
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How Hilo’s Climate Impacts Auto Insurance Rates
Hilo’s frequent rainfall and tropical conditions increase the risk of flooding, car accidents, and weather-related damage, which insurers factor into premiums.
Hilo, HI Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $82 | $178 |
| $78 | $172 |
| $70 | $155 |
| $85 | $190 |
| $77 | $165 |
| $73 | $160 |
| $80 | $170 |
| $87 | $185 |
| $81 | $175 |
| $65 | $145 |
Understanding this can help you find the Best cheap car insurance in Hilo. Comparing car insurance quotes in Hilo allows you to find affordable options.
5 Most Common Auto Insurance Claims in Hilo, HI
| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Collision | 57% | $3,144 |
| Comprehensive | 23% | $1,621 |
| Personal Injury | 12% | $15,000 |
| Uninsured Motorist | 5% | $20,000 |
| Property Damage | 3% | $2,500 |
Review car insurance companies in Hilo to choose a provider that handles car accidents and auto claims effectively.
Discounts Available for Hilo, HI Auto Insurance
Many top providers of cheap auto insurance quotes in Hawaii offer discounts that can help lower your monthly payments.
Auto Insurance Discounts From the Top Providers in Hilo, HI
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver, Good Student, Vehicle Safety Features, Early Signing |
| Multi-Policy, Safe Driver, Good Student, Pay-in-Full, Homeowner, Vehicle Safety Features |
| Multi-Policy, Safe Driver, Military, Good Student, Federal Employee, Vehicle Safety Features |
| Multi-Policy, Safe Driver, Early Signing, Student, New Car, Vehicle Safety Features |
| Multi-Policy, Safe Driver, Good Student, Claim-Free, Vehicle Safety Features |
| Multi-Policy, Safe Driver, Continuous Insurance, Good Student, Online Quote, Vehicle Safety Features |
| Multi-Policy, Safe Driver, Good student, Vehicle Safety Features, Drive Safe & Save |
| Multi-Policy, Safe Driver, Good Student, Vehicle Safety Features, New Car |
| Multi-Policy, Safe Driver, Good Student, Early Signing, Vehicle Safety Features |
| Multi-Policy, Safe Driver, Military, Good Student, Vehicle Safety Features, Low Mileage |
These may include a safe driver discount, savings for bundling policies, and discounts for students with good grades.
Hilo, HI Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Hilo | 1,200 | 1,000 |
| Honokaa | 100 | 80 |
| Kona | 900 | 750 |
| Pahoa | $300 | 250 |
| Waimea | 200 | 150 |
Exploring these options can help you find cheap car insurance in Hawaii or even cheap car insurance in Honolulu, ensuring you get the best deal on your policy.
Understanding Coverage Options for Hilo Drivers
When exploring car insurance options in Hilo, prioritize policies with comprehensive and collision coverage to protect against accidents and weather-related damage.
Geico offers the Best Hilo, HI Auto Insurance, with monthly rates starting at just $65, providing comprehensive coverage options tailored for Hilo drivers.
Chris Abrams Licensed Insurance Agent
Understanding liability and uninsured motorist coverage will help tailor the right policy. For cheap auto insurance in Hawaii, focus on finding affordable premiums while ensuring adequate coverage.
Hilo, HI Report Card: Auto Insurance Discounts
| Discount Name | Grade | Average Savings | Participating Providers |
|---|---|---|---|
| Low Mileage | A+ | 10% | Nationwide, State Farm, Geico |
| Safe Driver | A | 9% | Geico, State Farm, Island Insurance |
| Good Student | A- | 8% | State Farm, Geico, Allstate |
| Multi-Policy | B+ | 7% | Allstate, Farmers, Progressive |
| Anti-Theft Device | B | 5% | Progressive, Farmers, Geico |
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The Role of Customer Service in Choosing Hilo Auto Insurance
When selecting auto insurance in Hilo, HI, it’s not just about the cheapest car insurance in Hilo—customer service matters. Look for insurers with responsive support and efficient claims processing.
Focus on providers known for high customer satisfaction and strong emergency assistance. This approach helps you secure affordable car insurance in Hawaii while getting the best value from your types of auto insurance coverage.
How to Evaluate Auto Insurance Providers in Hilo
When evaluating auto insurance companies in Hilo, Hawaii, compare their financial stability, claims process, and reputation. Review A.M. Best ratings, customer feedback, and complaint levels.
Geico offers the Best Hilo, HI Auto Insurance, with competitive monthly rates starting at just $65, making it an excellent choice for affordable and reliable coverage.
Consider Hilo auto insurance quotes and Affordable car insurance quotes in Hawaii. Also, understand how to file an auto insurance claim to be prepared if needed.
Buying a Car on Mainland and Shipping to Hilo
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Additionally, explore homeowners’ insurance in Hilo, Hawaii, for comprehensive coverage.
Affordable Car Insurance Options in Hilo
Some of the top-rated car insurance in Hawaii include well-known providers like Geico, State Farm, and Allstate, all offering competitive rates starting at $65 per month.
These companies are among the best car insurance companies in Hawaii, providing reliable coverage options such as bodily injury liability insurance to meet your needs.
Hilo, HI Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Medical Payments | A | Covers medical expenses regardless of fault; essential for comprehensive protection |
| Collision Coverage | A | Provides robust coverage for vehicle damage from collisions |
| Comprehensive | A- | Covers non-collision incidents like theft and natural disasters |
| Liability Coverage | B+ | Meets minimums; higher limits advised for better protection |
| Uninsured Motorist | B | Protects against uninsured drivers, common with moderate uninsured rates |
Drivers should focus on coverage options, available discounts, and the impact of local weather on premiums. Enter your ZIP code below to compare the best Hilo, HI auto insurance options from top providers near you.
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Frequently Asked Questions
What are the top auto insurance providers in Hilo, HI?
The top auto insurance providers in Hilo, HI, include Geico, State Farm, Allstate, Progressive, USAA, Farmers, Liberty Mutual, Nationwide, Travelers, and The Hartford. Compare auto insurance companies to find the best rates and coverage options for your needs.
What is the starting rate for auto insurance in Hilo, HI?
Auto insurance rates in Hilo, HI start as low as $65 per month with providers like Geico, State Farm, and Allstate offering competitive pricing. Finding cheaper insurance rates is easy—just enter your ZIP code into our free quote comparison tool below to find the best Hilo, HI, auto insurance.
What factors affect auto insurance rates in Hilo, HI?
Hilo’s tropical climate, frequent rainfall, and risk of flooding contribute to higher auto insurance rates due to the increased likelihood of weather-related damage and accidents.
Which auto insurance provider offers the best comprehensive coverage in Hilo?
Allstate is considered the best provider for comprehensive coverage in Hilo, offering extensive protection against a variety of risks.
What discounts are available for auto insurance in Hilo, HI?
Many auto insurers in Hilo offer savings through options like safe driver discounts, discounts for students with good grades, and bundling car insurance and renters insurance to save money.
How does Geico compare to other auto insurers in Hilo, HI?
Geico is a top choice for affordable auto insurance in Hilo, with rates starting at $65 per month, along with excellent customer service and comprehensive coverage options.
What is the benefit of choosing State Farm for auto insurance in Hilo?
State Farm is best known for personalized service, offering tailored coverage options and strong customer support, making it ideal for drivers looking for individualized care.
Does USAA offer discounts for military families in Hilo, HI?
Yes, USAA offers the best military discounts, providing excellent coverage options specifically for service members and their families.
How does the weather in Hilo affect auto insurance premiums?
Hilo’s frequent rainfall and tropical storms contribute to a higher likelihood of accidents and weather-related damage, making it a challenge for high-risk drivers and leading to increased premiums to cover potential flooding and other associated risks.
Why should I compare auto insurance quotes in Hilo?
Comparing quotes helps you find the most affordable and suitable auto insurance by considering various coverage options, available discounts, and local factors like weather conditions. See how much you could save on the best Hilo, HI auto insurance by entering your ZIP code into our free quote comparison tool below.