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 starting at $65. These providers stand out for their affordable pricing, dependable customer service, and comprehensive coverage options, making them top choices 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: Nov 21, 2024
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19,116 reviewsCompany Facts
Full Coverage in Hilo HI
A.M. Best Rating
Complaint Level
19,116 reviews
17,759 reviewsCompany Facts
Full Coverage in Hilo HI
A.M. Best Rating
Complaint Level
17,759 reviews
11,413 reviewsCompany Facts
Full Coverage in Hilo HI
A.M. Best Rating
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 lowest quotes, making it a strong option for auto insurance coverage in Hilo, HI. A Geico auto insurance review ensures one can compare quotes and coverage.
- Excellent Financial Strength: Geico holds an A++ rating, assuring customers of its financial stability and reliability while providing reasonable coverage for affordable auto insurance in HI.
- Large Bundling Discount: Geico can bundle up to a 25% discount. Adds value to its customers.
Cons
- Limited Local Agents: Primarily online, which can restrict personalized service to its customers.
- Military-Specific Discounts: Certain discounts by Geico are only available for military families.
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#2– State Farm: Best for Personalized Service
Pros
- Tailor-made Service: State Farm specializes in customer service and suits the preferences of those looking for car insurance with a personal touch.
- Massive Agent Network: Several local agents are available to manage care in Hilo, HI seamlessly.
- Flexible Policies: Their policies can be modified according to specific needs, making them flexible and suitable for any coverage preference.
Cons
- Lower A.M. Best Rating: A B rating may not appeal to individuals seeking financially top-rated insurance.
- Higher Premiums: The State Farm auto insurance review should be read because their Hilo HI rates are probably more expensive than those of some competitors.
#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 customizable options for the best Hilo, HI auto insurance. Read a Progressive auto insurance review to explore their plans.
- Usage-Based Discounts: Usage-based discounts can make Progressive a top choice for the best Hilo, HI auto insurance with savings.
- Solid Financial Rating: With an A+ rating, Progressive provides the best, most secure, Hilo, HI auto insurance option.
Cons
- Limited In-Person Support: It is primarily online, which may not appeal to the best Hilo, HI auto insurance customers seeking local agents.
- Rates Higher for Some Drivers: Progressive’s best Hilo, HI auto insurance rates can vary, sometimes higher for high-risk drivers.
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#5 – USAA: Best for Military Discounts
Pros
- Military Discounts: USAA’s discounts are ideal for active-duty and veteran families seeking the best Hilo, HI auto insurance.
- High Customer Satisfaction: Consistently ranked well, making it a reliable best Hilo, HI auto insurance choice.
- A++ Rating: The USAA auto insurance review emphasizes the company’s financial stability, which is essential for the best Hilo, HI auto insurance.
Cons
- Membership Restrictions: Membership is only for military families, which means others do not enjoy the same best Hilo, HI car insurance options.
- Limited Local Agents: It is online-based, which is somewhat of a bummer if a good in-person Hilo, HI auto insurance with coverage is desired
#6 – Farmers: Best for Customizable Plans
Pros
- Customizable Plans: Farmers offers flexible policy options for the best Hilo, HI auto insurance tailored to an individual’s needs.
- Strong Support: Farmer’s boasts excellent customer service and continues improving on the best Hilo, HI auto insurance. Learn more about it in a Farmer’s auto insurance review.
- Bundling Discount: With a 20% discount, Farmers provides savings on the best Hilo, HI auto insurance with multiple policies.
Cons
- Average Financial Rating: Farmers’ A rating is slightly lower, which may bother some people looking for the best Hilo, HI auto insurance.
- Fewer Discounts: Compared with its peers, fewer discounts are available, which impacts the affordability of the best Hilo, HI auto insurance.
#7 – Liberty Mutual: Best for Robust Features
Pros
- Robust Coverage: Liberty Mutual’s wide range of coverage options is ideal for the best comprehensive Hilo, HI auto insurance.
- High Bundling Discount: Offers up to a 25% discount, providing value on the best Hilo, HI auto insurance.
- Strong Financial Rating: A rating reflects a provider’s financial stability, which is crucial for the best Hilo, HI auto insurance. A Liberty Mutual auto insurance review shows their reliability.
Cons
- Higher Premiums: Liberty Mutual’s best Hilo, HI auto insurance may cost more for full coverage.
- Mixed Service Reviews: Some customers report inconsistency, which could affect the best Hilo, HI auto insurance.
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#8 – Nationwide: Best for Reliable Support
Pros
- Strong Support: Customer support is easily identifiable and excellent for the best auto insurance in Hilo, HI.
- Financial Stability: A Nationwide insurance review reveals an A+ rating, which ensures true guarantee cover for the best auto insurance in Hilo, HI.
- Multi-Policy Discount: The company offers a 20% discount on multiple packages, so you can save on the best auto insurance for Hilo, HI.
Cons
- Discounts: Some discounts are offered at a lower price than others, which impacts the savings that a person would have made in paying for the best auto insurance in Hilo, HI.
- Younger Drivers Get More Expensive Premiums: Premiums are quoted much higher for drivers who want the best Hilo, HI auto coverage.
#9 – Travelers: Best for Quick Claims
Pros
- Quick Claims Process: Known for efficient claims, ideal for best Hilo, HI auto insurance with hassle-free service.
- Financial Stability: An A++ rating offers security for the best Hilo, HI auto insurance. Read a Travelers auto insurance review to understand their financial stability and reliability.
- Customizable Coverage: Travelers offer tailored options for the best Hilo, HI auto insurance needs.
Cons
- Limited Agent Network: It is primarily online, which may not suit those seeking the best Hilo, HI auto insurance with local agents.
- Higher Premiums for Premium Coverage: Higher rates are available for comprehensive, best-quality Hilo, HI auto insurance.
#10 – The Hartford: Best for Senior Benefits
Pros
- Senior Discounts: The Hartford car insurance review is significant for seniors in Hilo, HI, offering coverage for those looking for it.
- Excellent Financial Rating: The A++ rating puts it stable for the best auto insurance in Hilo, HI.
- Good Customer Service: It is known for providing quality service and enhancing the experience of finding the best auto insurance in Hilo, HI.
Cons
- Higher Premiums for Non-Seniors: Rates may be higher for younger drivers seeking the best Hilo, HI auto insurance.
- Discounts Mainly for Seniors: Limited discounts are available for non-senior drivers seeking the best Hilo, HI auto insurance
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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. Understanding this can help you find the Best cheap car insurance in Hilo.
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
Comparing car insurance quotes in Hilo allows you to find affordable options. 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. These may include a safe driver discount, savings for bundling policies, and discounts for students with good grades.
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
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
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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 state minimum requirements; higher limits recommended for better protection. |
| Uninsured Motorist | B | Offers protection against uninsured drivers; important due to moderate rates of uninsured motorists. |
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?
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?
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.