Hilo, HI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Hilo, HI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Hilo, HI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Hilo, HI Auto Insurance Rates
- Hilo, HI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Hilo, HI
- Multi Vehicle Insurance Savings in Hilo, HI
- How Credit Score Affects Car Insurance Rates in Hilo, HI
- How DUI Affects Auto Insurance Premiums in Hilo, HI
- How Driving Violations Affect Auto Insurance Rates in Hilo, HI
- Hilo, HI Auto Insurance Discounts on Anti Theft Feature
- Hilo, HI Auto Insurance Company Reviews
Hilo, HI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Hilo, HI with that of other cities in and around Hilo.
| Hilo | Wainaku | Mountain View | Keaau-Mountain View | Kurtistown | Papaikou-Wailea | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,042 | $1,034 | $1,023 | $1,026 | $1,039 | $1,034 |
Hilo, HI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Hilo, HI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Hilo | $1,330 | $1,123 |
| Wainaku | $1,358 | $1,147 |
| Paukaa | $2,167 | $1,830 |
| Papaikou-Wailea | $1,542 | $1,302 |
| Mountain View | $1,145 | $967 |
| Papaikou | $1,713 | $1,447 |
| Keaau-Mountain View | $1,476 | $1,247 |
| Kurtistown | $1,408 | $1,189 |
Hilo, HI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Hilo, HI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,381 |
| 20 Years | $1,339 |
| 30 Years | $1,031 |
| 40 Years | $992 |
| 50 Years | $919 |
| 60 Years | $932 |
| 70 Years | $1,084 |
Hilo, HI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Hilo, HI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,792 | $292 |
| 3 Vehicles | $2,688 | $438 |
| 4 Vehicles | $3,584 | $584 |
Savings on 2 Vehicles bundle:$292
Savings on 3 Vehicles bundle:$438
Savings on 4 Vehicles bundle:$584
Hilo, HI Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Hilo, HI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Hilo | $1,042 | $3,680 |
| Wainaku | $1,034 | $3,652 |
| Paukaa | $1,054 | $3,722 |
| Papaikou-Wailea | $1,034 | $3,652 |
| Mountain View | $1,023 | $3,613 |
| Papaikou | $1,016 | $3,588 |
| Keaau-Mountain View | $1,026 | $3,623 |
| Kurtistown | $1,039 | $3,669 |
Hilo, HI Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $894 |
| Excellent (740-799) | $1,021 |
| Good (670-739) | $1,086 |
| Average (580-669) | $1,417 |
| Poor (300-579) | $1,700 |
Hilo, HI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$46 | $1,088 |
| Driver's Failure In Showing Documents | +$101 | $1,143 |
| Driving With An Expired Registration | +$107 | $1,149 |
| Driving At A Considerably Slow Pace | +$226 | $1,268 |
| Using A Cellphone While Driving | +$239 | $1,281 |
| Running A Red Light | +$243 | $1,285 |
| Speeding | +$255 | $1,297 |
| Driving A Vehicle Without The Required Permission | +$324 | $1,366 |
| Driving With An Expired/Suspended License | +$702 | $1,744 |
Hilo, HI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,000 |
| Active Disabling Device | $1,000 |
| Tracking Device | $979 |
| Passive Disabling Device | $969 |
Latest Auto Insurance Reviews in Hilo, HI | Back to Top
GeicoDefinitely the best. I tried other companies and each time returned to Geico for a sound piece of mind with my car insurance and its coverages.
Erie InsuranceThey are every nice answer our question whenever we have them. They have recommended cars to us when we asked for help. it was every easy to transfer our policy when we moved.
GeicoTheir customer service is okay. The wait times usually aren't bad and the people are generally friendly. I just hate the automated portion.
Erie InsuranceI give them a 5 because we get a great rate, that's bundled. It's probably a little below what the national standard.
MetlifeThe premium and deductible are similar to other companies. I am not happy with my premium. It is high and keeps rising. I haven't had a claim for ten years so it must be only credit based.
ProgressiveProgressive is comparable to other insurance companies but with the discounts you can get for safe driving, years of policy, snapshot device it really ends up being great.
AllstateWhen I last shopped insurance, Allstate offered me accident forgiveness at no cost.
Horace Mann Educators CorporationMy policy is in line with those of competing companies. I have towing, uninsured, comprehensive, collision, liability, and more as far as coverage goes.
Liberty MutualMy experience was good, though signing up for me and for my husband took quite a long phone call.
Liberty MutualMy experience was good, though signing up for me and for my husband took quite a long phone call.
State FarmThe only thing I dislike just like anyone is the price. But you have to carry car insurance by law so overall I can't really complain. The price is very fair compared to other companies.