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 20, 2024
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Full Coverage in Hilo HI
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17,760 reviewsCompany Facts
Full Coverage in Hilo HI
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Allstate offers the Best car insurance rates in Hilo and the most comprehensive coverage, making it the leading choice overall.
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These providers offer the best price and service balance for Hilo car insurance. Use our free quote comparison tool above to discover your area’s best Hilo, HI auto insurance coverage rates.
- 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 quotations and is a market leader in car insurance. The Geico auto insurance review compares quotations and coverage.
- Excellent Financial Strength: Geico has an A++ rating, which ensures its financial stability and reliability.
- Huge Bundling Discount: Geico can bundle up to a 25% discount that gives more 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-friendly and suits an individual’s preferences well when seeking car insurance with a personal touch.
- Massive Agent Network: Several local agents are provided to handle care smoothly.
- Flexible Policies: Their policies are flexible according to one’s needs. Thus, they can be changed specifically to suit each preference about coverage.
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
- Through Coverage: The options under this policy are good. It is excellent for full coverage.
- Strong Financial Stability: An A+ rating guarantees the insurance company’s reliability. For coverage insights, read an Allstate auto insurance review.
- Large Bundling Discount: Allstate gives discounts of up to 25% for customers with multiple policies.
Cons
- Higher Premiums: Allstate may have higher rates, especially on comprehensive coverage.
- Mixed Customer Service: Some reviews indicate inconsistent service. An Allstate auto insurance review might explain why it would be a good choice.
#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.
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#5 – USAA: Best for Military Discounts
Pros
- Flexible Options: Progressive offers customizable auto insurance options. Read a USAA auto insurance review to learn what they offer.
- Usage-Based Discounts: Usage-based discounts may make Progressive a great choice, with 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 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
- Bundling Discount: Provided with a 20% discount, Farmers offers various policy savings. Learn more in a Farmers auto insurance review.
- Average Financial Rating: Farmers’ A rating is lower, which may make customers unsatisfied while looking for the best auto insurance.
- Fewer Discounts: Compared to its competitors, fewer discounts are offered, which impacts the affordability of the best auto insurance.
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: The broad coverage best defines Liberty Mutual when considering 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 indicates that the provider is financially sound, an important factor in 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 Care: It is so apparent and good for the best car insurance.
- Financial Security: This Nationwide auto insurance review obtains an A+ ranking, bringing along true assurance cover for the best auto insurance.
- Multi-Policy Discount: The company offers a discount of 20% on multiple packages and thus allows one to cut on the extra spending cost on auto insurance.
Cons
- Discount: Sometimes discounts are sold at affordable prices, which translates to having reduced savings for that individual.
- Younger Drivers: Pay a much higher quoted premium to secure 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 Honolulu, ensuring you get the best deal on your policy.
Understanding Coverage Options for Hilo Drivers
When exploring car insurance options in Hilo, prioritize comprehensive and collision coverage policies 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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In addition, check out homeowners’ insurance in Hilo, Hawaii, for full coverage.
Cheap Car Insurance Quotes in Hilo
Some of the best car insurance in Hawaii include Geico, State Farm, and Allstate, which offer competitive rates at $65 per month.
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These companies are among Hawaii’s best car insurance companies. They provide 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.
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.