Car Insurance in Hilo, HI – Cheapest Autos to Insure (2025) + Free Quotes

• Average car insurance cost in Hilo is $2,022 per year, or approximately $169 per month, for a full-coverage policy.
• For cheap auto insurance in Hilo, small crossovers like the Mazda CX-5, Buick Encore, Toyota Corolla Cross, and Chevrolet Trailblazer cost less than most other makes and models.
• Car insurance quotes in Hilo can range from as little as $27 per month for minimum liability limits to over $698 per month for teens and other high-risk drivers.

How much does Hilo car insurance cost?

Hilo car insurance costs an average of $2,022 per year, which is 11.8% less than the national average rate of $2,276. Average car insurance cost per month in Hilo is $169 for a policy with full coverage.

Average auto insurance cost in Hawaii is $1,964 per year, so Hilo drivers pay an average of $58 more per year than the overall Hawaii state-wide average rate. When compared to other locations in Hawaii, the average cost of car insurance in Hilo is approximately $48 per year more than in Waipahu, $72 per year more expensive than in Kailua, and $76 per year more expensive than in Pearl City.

The age of the rated driver significantly impacts the cost of car insurance. The list below illustrates this by showing average car insurance rates depending on driver age.

Car insurance cost in Hilo, HI, for drivers age 16 to 60

• 16-year-old rated driver – $7,198 per year or $600 per month
• 17-year-old rated driver – $6,974 per year or $581 per month
• 18-year-old rated driver – $6,250 per year or $521 per month
• 19-year-old rated driver – $5,694 per year or $475 per month
• 20-year-old rated driver – $4,068 per year or $339 per month
• 30-year-old rated driver – $2,158 per year or $180 per month
• 40-year-old rated driver – $2,022 per year or $169 per month
• 50-year-old rated driver – $1,792 per year or $149 per month
• 60-year-old rated driver – $1,676 per year or $140 per month

The chart below shows average Hilo, HI, auto insurance cost for all 2024 models. Rates are averaged for all Hilo Zip Codes and shown not only for different driver ages, but also for different policy deductible limits.

The average cost of auto insurance per month in Hilo is $169, with prices ranging from $118 to $394 for the average costs shown in the previous chart.

Auto insurance rates have extreme variability and subtle changes in driver risk profiles can have measureable effects on car insurance cost. The likelihood of a wide range of rates reinforces the need to get multiple car insurance quotes when shopping online for more affordable car insurance in Hilo, HI.

Vehicle models that are popular in Hilo tend to be compact or midsize sedans like the Toyota Corolla, Honda Civic, and Honda Accord and small or midsize SUVs like the Honda CR-V, Nissan Rogue, and Subaru Outback.

Some additional popular vehicles from other segments include luxury cars like the Infiniti Q50, Tesla Model S, and Acura ILX, luxury SUVs like the Infiniti QX60, Lexus RX 350, and Acura MDX, and pickup trucks like the Ram 1500, Toyota Tacoma, and Ford Ranger.

We explore additional rates coming up, but before that, let’s rehash some of the concepts that were discussed up to this point.

• Auto insurance gets more affordable as you get older – Car insurance rates for a 60-year-old driver in Hilo are $2,392 per year cheaper than for a 20-year-old driver.
• Teen female drivers pay lower rates than teenage males – Teen females (age 16 to 19) pay $881 to $476 less each year than male drivers of the same age.
• Auto insurance with low deductibles costs more – A 20-year-old driver pays an average of $1,084 more per year for a $250 deductible policy versus a $1,000 deductible policy.
• Hilo car insurance rates are more expensive than the Hawaii state average – $2,022 (Hilo average) versus $1,964 (Hawaii average)
• Auto insurance rates drop substantially from age 20 to 30 – The average 30-year-old Hilo driver will pay $1,910 less per year than a 20-year-old driver, $2,158 compared to $4,068.
• Hilo, Hawaii, car insurance costs less than the U.S. average – $2,022 (Hilo average) compared to $2,276 (U.S. average)

Which autos have the cheapest insurance rates?

The vehicles with the best insurance prices in Hilo tend to be crossovers and small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Toyota Corolla Cross.

Average auto insurance prices for those models cost $137 or less per month for full coverage.

A few other models that rank well in our overall cost comparison are the Volkswagen Taos, Subaru Outback, Buick Encore, and Honda CR-V.

Average rates are a little higher for those models than the crossover SUVs that rank at the top, but they still have an average insurance cost of $1,756 or less per year, or about $146 per month.

The next table details the cheapest vehicles to insure in Hilo, ordered by cost.

A table of 30 vehicle models with cheap Hilo car insurance is not really the best way to show an overall view of the cost of auto insurance in Hilo. Considering we track over 700 vehicles, a lot of vehicles get left off the list.

So let’s dig deeper and reorganize the models with the cheapest rates in a format that makes more sense, by automotive segment. The six sections below break out the models with the lowest cost auto insurance rates for each of the main vehicle segments.

Cheapest car insurance rates in Hilo, HI

Ranking in the top five for the most affordable Hilo car insurance rates in the sedan or hatchback segment are the Nissan Leaf, Subaru Impreza, Nissan Sentra, Honda Civic, and Toyota GR Corolla. Car insurance rates for these models average $1,860 or less per year.

Other cars that are affordable to insure are the Kia K5, Honda Accord, Toyota Prius, and Chevrolet Malibu, with average annual insurance rates of $1,968 per year or less.

Ranked between 10th and 20th place, models like the Hyundai Sonata, Mitsubishi Mirage G4, Volkswagen Jetta, Toyota Crown, Nissan Versa, and Kia Forte cost between $1,968 and $2,090 per year for insurance in Hilo.

Full-coverage insurance for this segment in Hilo for a middle-age safe driver can cost as low as $146 per month, depending on the company and where you live. The table below ranks the twenty cars with the lowest-cost average insurance rates in Hilo, starting with the Toyota GR Corolla at $146 per month and ending with the Mazda 3 at $174 per month.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Hilo car insurance quotes from top-rated companies in Hawaii.

Cheapest SUVs to insure in Hilo, HI

The top five cheapest non-luxury SUVs to insure in Hilo are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Rates for for these vehicles range from $1,492 to $1,610 per year.

Not the cheapest, but still in the top 10, are models like the Toyota Corolla Cross, Hyundai Venue, Ford Bronco Sport, and Buick Envision, with average rates of $1,654 per year or less.

Additional vehicles that make the list include the Subaru Outback, Buick Encore, Honda HR-V, Volkswagen Tiguan, and Buick Envista, which cost between $1,654 and $1,758 per year for auto insurance.

Full-coverage insurance in this segment for the average driver can cost as low as $124 per month, depending on the company.

The most affordable compact SUV to insure in Hilo is the Subaru Crosstrek at $1,492 per year. For midsize SUVs, the Honda Passport is the cheapest model to insure at $1,610 per year. And for full-size SUVs, the Chevrolet Tahoe is cheapest to insure at $1,898 per year.

The rate comparison table below ranks the twenty SUVs with the cheapest car insurance rates in Hilo, starting with the Subaru Crosstrek at $124 per month and ending with the Subaru Ascent at $147 per month.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Hilo car insurance quotes from the best companies in Hawaii.

Cheapest sports cars to insure in Hilo

The Mazda MX-5 Miata ranks #1 as the cheapest sports car to insure in Hilo, followed by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model has an average cost of $1,872 per year to insure with full coverage.

Some other sports cars that have cheaper rates include the Subaru BRZ, Toyota GR Supra, Lexus RC F, and BMW M2, with average insurance cost of $2,418 per year or less.

As a cost per month, car insurance rates on this segment in Hilo for a safe driver starts at around $156 per month, depending on your location.

The comparison table below ranks the sports cars with the most affordable insurance in Hilo, starting with the Mazda MX-5 Miata at $1,872 per year ($156 per month) and ending with the Porsche Taycan at $3,424 per year ($285 per month).

Need rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Hilo.

Cheapest pickup truck insurance rates

The Chevrolet Colorado ranks in the top spot for the cheapest pickup truck to insure in Hilo, followed closely by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model costs an average of $1,780 per year for a full-coverage insurance policy.

Additional models that have cheaper rates are the Honda Ridgeline, GMC Canyon, Hyundai Santa Cruz, and Toyota Tacoma, with average cost of $2,080 per year or less.

Full-coverage insurance for this segment in Hilo for a safe driver starts at around $148 per month, depending on your company and location.

The table below ranks the pickups with the most affordable average car insurance rates in Hilo, starting with the Chevrolet Colorado at $148 per month and ending with the Ram Truck at $195 per month.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Don’t see insurance cost for your pickup? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Hilo car insurance quotes from top-rated companies in Hawaii.

Cheapest luxury cars to insure in Hilo

The top four luxury car models with the lowest-cost car insurance in Hilo are the Acura Integra at $1,796 per year, BMW 330i at $2,058 per year, Mercedes-Benz CLA250 at $2,080 per year, and Lexus IS 300 at $2,084 per year.

Some other luxury cars that have affordable insurance rates include the Lexus RC 300, Genesis G70, Lexus ES 350, and Mercedes-Benz AMG CLA35, with an average car insurance cost of $2,124 per year or less.

Ranking between positions 10 and 20, models like the Cadillac CT5, Lexus ES 300h, BMW 228i, Lexus IS 350, Jaguar XF, and Audi S3 cost between $2,124 and $2,266 per year for auto insurance in Hilo.

Auto insurance rates in this segment for a middle-age safe driver starts at an average of $150 per month, depending on where you live and the company you use.

The comparison table below ranks the luxury cars with the cheapest car insurance in Hilo.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see your luxury car? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Hilo car insurance quotes from the best car insurance companies in Hawaii.

Cheapest luxury SUVs to insure

Ranking #1 in Hilo for cheapest auto insurance rates in the luxury SUV segment is the Acura RDX, coming in at $1,692 per year. Second place is the Lexus NX 250 costing $1,790 per year, and in third place is the Cadillac XT4, costing an average of $1,824 per year.

Additional luxury SUVs that have cheaper rates are the Mercedes-Benz GLB 250, Lexus UX 250h, Lexus NX 350h, and Lincoln Corsair, with average rates of $1,950 per year or less.

Full-coverage car insurance in this segment for an average middle-age driver can cost as low as $141 per month, depending on the company and where you live.

The next table ranks the luxury SUVs with the cheapest car insurance in Hilo.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Is your luxury SUV missing from the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Hilo car insurance quotes from top-rated companies in Hawaii.

Hilo auto insurance rate variability

To supplement the earlier data and reinforce the amount car insurance premiums can fluctuate for different applicants (and also reiterate the importance of getting plenty of price quotes), the sections below contain comprehensive car insurance rates for three popular models in Hilo: the Ford F150, Honda Civic, and Toyota RAV4.

The example for each vehicle shows average rates for a range of driver profiles to demonstrate the price fluctuation based on driver risk profile changes.

Ford F150 insurance rates

In Hilo, Ford F150 insurance averages $2,262 per year ($189 per month) and has a range of $1,874 to $5,222 annually.

The Ford F150 is part of the full-size truck segment, and other popular models include the Toyota Tundra, Ram Truck, Chevrolet Silverado, and GMC Sierra.

Honda Civic insurance rates

Honda Civic insurance in Hilo averages $1,790 per year, or around $149 per month, and has a range of $1,488 to $4,062.

The Honda Civic is part of the compact car segment, and other models in that segment include the Volkswagen Jetta, Nissan Sentra, Hyundai Elantra, and Toyota Corolla.

Toyota RAV4 insurance rates

In Hilo, Toyota RAV4 insurance averages $1,864 per year, or about $155 per month, and varies from $1,550 to $4,290 per year.

The Toyota RAV4 belongs to the compact SUV segment, and other popular same-segment models include the Honda CR-V, Subaru Forester, Ford Escape, and Nissan Rogue.

Helpful tips to save on car insurance

Drivers are often looking to reduce their monthly insurance expenses, so glance through the tips and ideas in this next list and maybe you’ll be able to save some money when buying car insurance.

• Fewer violations means cheaper insurance rates. If you want to get affordable auto insurance in Hilo, it pays to be a conservative driver. Not surprisingly, just one or two minor moving violations could end up increasing policy rates by up to $538 per year.
• Your job could lower your rates. Many car insurance providers offer policy discounts for having a job in professions like firefighters, doctors, police officers and law enforcement, accountants, college professors, engineers, and others. Earning this discount may save between $61 and $196 on your auto insurance bill, depending on the level of coverage purchased.
• Bring up your credit score to save money. Having a credit score above 800 could save a minimum of $317 per year compared to a credit rating between 670-739. Conversely, a lower credit score could cost as much as $368 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Compare insurance cost before you buy the car. Different vehicles, and even different trims of the same vehicle, have significantly different auto insurance rates, and auto insurance companies can sell policies with a wide range of prices. Get plenty of comparison quotes before you upgrade you car in order to avoid price shock when buying coverage for your new car.
• Stay claim free and save. Most auto insurance companies give a discount if you have no claims. Auto insurance should be used in the case of larger claims, not for small claims.
• You don’t have to stick with the same company. Setting aside the time to get a few free car insurance quotes is a great way to save money. Companies change rates often and you do not have to wait for your renewal to change companies.
• Remove unneeded coverage on older cars. Dropping physical damage coverage (comprehensive and collision) from older vehicles whose value has decreased can reduce the cost of auto insurance significantly.