Pearl City, HI Car Insurance (2025 Cheapest + Rankings)

How much does auto insurance cost in Pearl City? We break down average insurance rates and reveal the models with the cheapest car insurance in Pearl City, HI.

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  • Pearl City car insurance cost averages $1,898 per year, or approximately $158 per month, for a full-coverage policy.
  • Auto insurance rates for a few popular models in Pearl City include the Ram Truck at $183 per month, Toyota RAV4 at $146, and Nissan Rogue at $142.
  • For cheap auto insurance in Pearl City, HI, compact crossovers and SUVs like the Subaru Crosstrek, Kia Soul, Buick Envision, and Buick Encore have the best rates.
  • Models with segment-leading auto insurance rates in Pearl City include the Acura Integra, Chevrolet Tahoe, Kia K5, and Honda Passport.

How much does Pearl City car insurance cost?

In Pearl City, average auto insurance cost is $1,898 per year, which is 15.7% less than the national average rate of $2,221. Per month, Pearl City drivers can expect to pay an average of $158 for a full-coverage car insurance policy.

In the state of Hawaii, the average car insurance cost is $1,922 per year, so the cost in Pearl City averages $24 less per year. When compared to other cities in Hawaii, the cost of auto insurance in Pearl City is around $8 per year less than in Kailua, $80 per year less than in Hilo, and $36 per year less than in Honolulu.

The next chart displays additional costs for drivers age 20 to 60 by including rates for three different policy deductible amounts. This helps visualize how car insurance rates increase with lower deductibles, and decreases when the policy has higher deductibles.

Average full-coverage car insurance premium in Pearl City, HI for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Pearl City, HI for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Pearl City, HI Zip Codes.

Average Car Insurance Cost in Pearl City, HI
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,236$270
$500$3,822$319
$250$4,444$370
30$1,000$1,698$142
$500$2,028$169
$250$2,368$197
40$1,000$1,598$133
$500$1,898$158
$250$2,214$185
50$1,000$1,424$119
$500$1,686$141
$250$1,958$163
60$1,000$1,332$111
$500$1,576$131
$250$1,828$152

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Pearl City, HI Zip Codes. Updated June 27, 2025

The average cost of auto insurance per month in Pearl City is $158, with policy premium ranging from $111 to $370 for the data shown in the chart above.

Pearl City auto insurance rates have extreme variability and are impacted by many factors. Since there is so much rate volatility, this reinforces the need for multiple car insurance quotes when shopping around for a cheaper policy.

The age of the driver is one of the biggest determining factors on the price you pay for car insurance. The list below details how driver age influences cost by showing average car insurance rates for driver ages from 16 to 60.

Car insurance cost in Pearl City, Hawaii, for drivers age 16 to 60

  • 16-year-old driver – $6,765 per year or $564 per month
  • 17-year-old driver – $6,552 per year or $546 per month
  • 18-year-old driver – $5,874 per year or $490 per month
  • 19-year-old driver – $5,349 per year or $446 per month
  • 20-year-old driver – $3,822 per year or $319 per month
  • 30-year-old driver – $2,028 per year or $169 per month
  • 40-year-old driver – $1,898 per year or $158 per month
  • 50-year-old driver – $1,686 per year or $141 per month
  • 60-year-old driver – $1,576 per year or $131 per month

The rates shown above for teenage drivers were based on the rated driver being male. The next chart illustrates average teen driver car insurance rates by gender. Females are usually a little cheaper to insure, especially in the teen years.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Pearl City includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Pearl City, HI for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$6,765$6,321
17-Year-Old$6,552$6,281
18-Year-Old$5,874$5,422
19-Year-Old$5,349$4,524

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 26, 2025

Auto insurance for a 16-year-old female driver in Pearl City costs an average of $444 less per year than the cost to insure a male driver, while at age 19, the cost difference is much less but is still $825 per year.

The auto insurance rates mentioned above are averaged for every 2024 model year vehicle, which is helpful for making broad comparisons such as the cost difference between two locations.

For more complete rate comparisons, however, the rates will be more accurate if we compare rates for the exact vehicle being insured. In the next few sections of this article, we compare lots of rates for different makes and models, but for now, we will just use the more popular vehicles to see how auto insurance prices measure up in Pearl City.

The following chart breaks down average auto insurance cost in Pearl City for a handful of the more popular vehicles.

Average cost to insure popular 2024 model year vehicles in Pearl City.
Figure 3: Average cost to insure popular 2024 model year vehicles in Pearl City. Rates updated on June 26, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Pearl City Zip Codes.

Pearl City, HI, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Mazda CX-5$1,548$129
Honda CR-V$1,618$135
Honda Civic$1,680$140
Nissan Rogue$1,708$142
Ford Explorer$1,722$144
Chevrolet Equinox$1,750$146
Toyota RAV4$1,752$146
Ford Ranger$1,816$151
Honda Pilot$1,848$154
Toyota Corolla$1,852$154
Kia Forte$1,854$155
Toyota Camry$2,040$170
Ford Mustang$2,086$174
GMC Sierra$2,098$175
Chevrolet Silverado$2,102$175
Ford Bronco$2,108$176
Ford F150$2,126$177
Ram Truck$2,198$183

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Pearl City, HI Zip Codes. Updated June 26, 2025

Popular vehicle models in Pearl City tend to be small or midsize sedans like the Honda Civic, Hyundai Elantra, and Kia K5 and compact and midsize SUVs like the Ford Escape and Subaru Outback.

Other popular vehicles from other vehicle segments include luxury models like the Tesla Model S, Acura MDX, and BMW X5 and sports cars like the Ford Mustang, Nissan GT-R, and Chevy Corvette.

We get into car insurance rates for many more vehicles in the upcoming sections, but before that, let’s review the key concepts and comparisons that were covered so far.

  • Pearl City auto insurance rates are cheaper than the Hawaii state average – $1,898 (Pearl City average) compared to $1,922 (Hawaii average)
  • Auto insurance gets more affordable the older you are – Average auto insurance rates for a 50-year-old driver in Pearl City are $2,136 per year cheaper than for a 20-year-old driver.
  • A low deductible policy costs more – A 50-year-old driver pays an average of $790 more per year for a policy with $250 deductibles versus $1,000 deductibles.
  • Auto insurance for teens can be very expensive – Average cost ranges from $4,524 to $6,765 per year for teenage driver insurance in Pearl City.
  • Pearl City, HI, car insurance costs less than the U.S. average – $1,898 (Pearl City average) compared to $2,221 (U.S. average)
  • Car insurance rates drop a lot from age 20 to 30 – The average 30-year-old Pearl City driver will pay $1,794 less annually than a 20-year-old driver, $2,028 versus $3,822.

What are the cheapest car insurance rates in Pearl City?

The vehicles with the most affordable auto insurance prices in Pearl City tend to be crossovers and small SUVs like the Kia Soul, Chevrolet Trailblazer, Nissan Kicks, and Buick Envision.

Average car insurance prices for those small SUVs cost $129 or less per month for a policy with full coverage.

A few other models that rank well in our auto insurance price comparison are the Kia Niro, Buick Encore, Volkswagen Taos, and Honda HR-V.

The average cost is somewhat higher for those models than the crossovers and compact SUVs at the top of the rankings, but they still have average rates of $1,654 or less per year.

The following table shows the top 20 models with the cheapest car insurance rates in Pearl City, sorted by annual and monthly insurance cost.

Top 20 Cheapest Car Insurance Rates in Pearl City, Hawaii
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,404$117
2Chevrolet Trailblazer$1,428$119
3Kia Soul$1,482$124
4Nissan Kicks$1,496$125
5Honda Passport$1,514$126
6Buick Envision$1,522$127
7Toyota Corolla Cross$1,530$128
8Hyundai Venue$1,544$129
9Mazda CX-5$1,548$129
10Ford Bronco Sport$1,554$130
11Volkswagen Tiguan$1,572$131
12Acura RDX$1,586$132
13Nissan Murano$1,594$133
14Buick Encore$1,612$134
15Honda CR-V$1,618$135
16Subaru Outback$1,618$135
17Buick Envista$1,626$136
18Volkswagen Taos$1,628$136
19Kia Niro$1,634$136
20Toyota GR Corolla$1,650$138

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Pearl City, HI Zip Codes. Updated June 26, 2025

Top 20 cheapest vehicles to insure in Pearl City, HI with the Subaru Crosstrek ranking first at $1,404 per year
Top 20 cheapest vehicles to insure in Pearl City, HI with the Subaru Crosstrek ranking first at $1,404 per year

A table of 20 of the cheapest vehicles to insure in Pearl City doesn’t do a great job of providing an overall view of the cost of car insurance. Considering we track over 700 makes and models of vehicles, there is a lot of rate data no being shown. Let’s dig deeper into the data and reorganize the most affordable vehicles in a format that makes more sense, by automotive segment.

This next section talks about the average cost to insure each different vehicle segment. The average rates shown will give you a better understanding of the vehicle segments that have the overall cheapest rates. Then the six sections that follow the chart will break out the most affordable rates for individual models in the most popular automotive segments.

Pearl City car insurance rates by vehicle segment

If a different vehicle is in your future, it’s useful to have a basic understanding of which categories of vehicles have more affordable auto insurance rates. As an example, maybe you’re curious if compact cars cost less to insure than midsize cars or if half-ton pickups have more affordable insurance than heavy duty pickups.

The next chart displays the average auto insurance cost in Pearl City for each automotive segment. From a segment perspective, compact SUVs, midsize trucks, and minivans have the best rates, with sports cars and performance luxury models having the most expensive overall rates.

Car insurance average cost by automotive segment in Pearl City, HI.
Figure 4: Car insurance average cost by automotive segment in Pearl City, HI. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Pearl City Zip Codes.

Car Insurance Rates by Automotive Segment in Pearl City, HI
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,744$145
Midsize SUV$1,874$156
Compact Car$1,878$157
Minivan$1,880$157
Midsize Pickup$1,918$160
Midsize Car$1,936$161
Compact Luxury SUV$2,058$172
Compact Luxury Car$2,088$174
Large SUV$2,098$175
Half-ton Pickup$2,104$175
Heavy Duty Pickup$2,184$182
Midsize Luxury SUV$2,256$188
Midsize Luxury Car$2,328$194
Sports Car$2,612$218
Large Car$2,734$228
Large Luxury SUV$2,940$245
Large Luxury Car$3,038$253

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Pearl City, HI Zip Codes. Updated June 27, 2025

Rates by segment can be used to form a general comparison, but cost ranges quite a lot within each automotive segment listed in the above chart.

For example, in the midsize SUV segment, average Pearl City car insurance rates range from the Honda Passport at $1,514 per year for full coverage insurance up to the Rivian R1S at $2,336 per year. In the large truck segment, the cost of insurance ranges from the Nissan Titan at $1,776 per year to the Toyota Tundra at $2,262 per year, a difference of $486 within that segment.

In the following sections, we will eliminate a lot of this variability by looking at auto insurance cost in Pearl City for individual models.

Cheapest cars to insure in Pearl City, Hawaii

Ranking in the top five for the cheapest Pearl City auto insurance rates in the car segment (excluding luxury models) are the Subaru Impreza, Toyota GR Corolla, Nissan Sentra, Nissan Leaf, and Honda Civic. Rates for these 2024 models average $146 or less per month.

Other models that are affordable to insure are the Honda Accord, Toyota Corolla, Kia K5, and Toyota Prius, with average insurance cost of $1,852 per year or less.

In the bottom half of the top 20, models like the Volkswagen Jetta, Toyota Crown, Hyundai Ioniq 6, Hyundai Sonata, Kia Forte, and Mitsubishi Mirage G4 cost between $1,852 and $1,964 per year for insurance in Pearl City.

From a monthly standpoint, car insurance rates in this segment starts at an average of $138 per month, depending on where you live.

If vehicle size is considered, the cheapest non-luxury compact car to insure in Pearl City is the Toyota GR Corolla at $1,650 per year. For midsize models, the Kia K5 is the cheapest model to insure at $1,830 per year. And for full-size sedans, the Chrysler 300 has the most affordable rates at $1,810 per year.

The table below ranks the twenty cars with the lowest-cost auto insurance rates in Pearl City, starting with the Toyota GR Corolla at $138 per month and ending with the Mazda 3 at $164 per month.

Cheapest Car Insurance in Pearl City, Hawaii
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,650$138
Nissan LeafCompact$1,664$139
Honda CivicCompact$1,680$140
Nissan SentraCompact$1,740$145
Subaru ImprezaCompact$1,748$146
Toyota PriusCompact$1,774$148
Kia K5Midsize$1,830$153
Honda AccordMidsize$1,836$153
Chevrolet MalibuMidsize$1,842$154
Toyota CorollaCompact$1,852$154
Kia ForteCompact$1,854$155
Volkswagen ArteonMidsize$1,866$156
Nissan VersaCompact$1,872$156
Subaru LegacyMidsize$1,876$156
Hyundai Ioniq 6Midsize$1,888$157
Mitsubishi Mirage G4Compact$1,918$160
Volkswagen JettaCompact$1,920$160
Toyota CrownMidsize$1,922$160
Hyundai SonataMidsize$1,928$161
Mazda 3Compact$1,964$164

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Pearl City, HI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Pearl City, HI, with the Toyota GR Corolla ranking first at $1,650 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Pearl City, HI, with the Toyota GR Corolla ranking first at $1,650 per year.

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

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

Cheapest SUV insurance rates in Pearl City, HI

The Subaru Crosstrek comes in at #1 as the most affordable SUV to insure in Pearl City, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model averages $1,404 per year to insure with full coverage.

Other SUVs that have affordable average insurance rates include the Toyota Corolla Cross, Buick Envision, Ford Bronco Sport, and Hyundai Venue, with average annual insurance rates of $1,554 per year or less.

Ranked in the bottom half of the top 20 cheapest SUVs to insure, SUVs like the Nissan Murano, Honda HR-V, Volkswagen Tiguan, Volkswagen Taos, and Buick Envista average between $1,554 and $1,652 to insure per year in Pearl City.

On a monthly basis, car insurance in Pearl City on this segment for a middle-age safe driver starts at around $117 per month, depending on your location and insurance company.

When vehicle size is considered, the most affordable compact SUV to insure in Pearl City is the Subaru Crosstrek at $1,404 per year. For midsize SUVs, the Honda Passport is the cheapest model to insure at $1,514 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $1,782 per year.

The next table ranks the twenty SUVs with the most affordable auto insurance rates in Pearl City, starting with the Subaru Crosstrek at $117 per month and ending with the Subaru Ascent at $138 per month.

Cheapest SUV Insurance in Pearl City, Hawaii
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,404$117
Chevrolet TrailblazerCompact$1,428$119
Kia SoulCompact$1,482$124
Nissan KicksCompact$1,496$125
Honda PassportMidsize$1,514$126
Buick EnvisionCompact$1,522$127
Toyota Corolla CrossCompact$1,530$128
Hyundai VenueCompact$1,544$129
Mazda CX-5Compact$1,548$129
Ford Bronco SportCompact$1,554$130
Volkswagen TiguanCompact$1,572$131
Nissan MuranoMidsize$1,594$133
Buick EncoreCompact$1,612$134
Honda CR-VCompact$1,618$135
Subaru OutbackMidsize$1,618$135
Buick EnvistaMidsize$1,626$136
Volkswagen TaosCompact$1,628$136
Kia NiroCompact$1,634$136
Subaru AscentMidsize$1,652$138
Honda HR-VCompact$1,654$138

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Pearl City, HI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Pearl City, HI, with the Subaru Crosstrek ranking first at $1,404 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Pearl City, HI, with the Subaru Crosstrek ranking first at $1,404 per year.

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

Don’t see your SUV in the table above? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Pearl City car insurance quotes from top companies in Hawaii.

Cheapest pickups to insure in Pearl City

The top-ranked model in Pearl City for cheapest average insurance in the pickup truck segment is the Chevrolet Colorado, costing $1,672 per year. Second place is the Nissan Titan costing $1,776 per year, and third place goes to the Nissan Frontier, at an average of $1,796 per year.

Additional models that have affordable average insurance rates include the GMC Canyon, Hyundai Santa Cruz, Honda Ridgeline, and Toyota Tacoma, with an average car insurance cost of $1,954 per year or less.

From a cost per month standpoint, car insurance rates in this segment for a good driver can cost as low as $139 per month, depending on your location.

The comparison table below ranks the twenty pickups with the cheapest auto insurance rates in Pearl City, starting with the Chevrolet Colorado at $1,672 per year and ending with the Ram Truck at $2,198 per year.

Cheapest Pickup Insurance in Pearl City, Hawaii
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,672$139
Nissan TitanFull-size$1,776$148
Nissan FrontierMidsize$1,796$150
Ford RangerMidsize$1,816$151
Ford MaverickMidsize$1,844$154
Honda RidgelineMidsize$1,884$157
Hyundai Santa CruzMidsize$1,916$160
Toyota TacomaMidsize$1,924$160
GMC Sierra 2500 HDHeavy Duty$1,932$161
GMC CanyonMidsize$1,954$163
Jeep GladiatorMidsize$2,002$167
GMC Sierra 3500Heavy Duty$2,010$168
Chevrolet Silverado HD 3500Heavy Duty$2,030$169
Chevrolet Silverado HD 2500Heavy Duty$2,086$174
GMC SierraFull-size$2,098$175
Chevrolet SilveradoFull-size$2,102$175
Nissan Titan XDHeavy Duty$2,102$175
Ford F150Full-size$2,126$177
GMC Hummer EV PickupFull-size$2,180$182
Ram TruckFull-size$2,198$183

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Pearl City, HI Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Pearl City, HI, with the Chevrolet Colorado ranking first at $1,672 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Pearl City, HI, with the Chevrolet Colorado ranking first at $1,672 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see insurance cost for your pickup? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Pearl City car insurance quotes from top companies in Hawaii.

Cheapest luxury car insurance rates in Pearl City

Ranking at the top of the list for the lowest-cost Pearl City auto insurance rates in the luxury car segment are the Lexus IS 300, Acura TLX, Acura Integra, Mercedes-Benz CLA250, and BMW 330i. Car insurance prices for these vehicles average $1,964 or less per year, or around $164 per month.

Also ranking in the top 10 are luxury cars like the Mercedes-Benz AMG CLA35, Lexus RC 300, Genesis G70, and Cadillac CT4, with an average cost of $1,996 per year or less.

Some additional 2024 luxury models that made the list include the Audi S3, Lexus ES 300h, Lexus RC 350, and BMW 228i, which cost between $1,996 and $2,130 to insure per year.

On a monthly basis, full-coverage car insurance on this segment in Pearl City for a good driver starts at an average of $141 per month, depending on where you live and the company you use.

When rates are compared by vehicle size, the cheapest compact luxury car to insure in Pearl City is the Acura Integra at $1,688 per year, or $141 per month. For midsize luxury car models, the Mercedes-Benz CLA250 is cheapest to insure at $1,954 per year, or $163 per month. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $2,258 per year, or $188 per month.

The next table ranks the twenty cars with the lowest-cost auto insurance rates in Pearl City, starting with the Acura Integra at $1,688 per year ($141 per month) and ending with the Audi S3 at $2,130 per year ($178 per month).

Cheapest Luxury Car Insurance in Pearl City, Hawaii
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,688$141
BMW 330iCompact$1,934$161
Mercedes-Benz CLA250Midsize$1,954$163
Lexus IS 300Midsize$1,958$163
Acura TLXCompact$1,964$164
Cadillac CT4Compact$1,982$165
Lexus ES 350Midsize$1,982$165
Genesis G70Compact$1,986$166
Mercedes-Benz AMG CLA35Midsize$1,992$166
Lexus RC 300Midsize$1,996$166
Lexus IS 350Compact$2,004$167
Jaguar XFMidsize$2,008$167
Cadillac CT5Midsize$2,048$171
Lexus ES 250Midsize$2,054$171
Lexus RC 350Compact$2,058$172
BMW 330eCompact$2,064$172
BMW 228iCompact$2,068$172
BMW 230iCompact$2,084$174
Lexus ES 300hMidsize$2,086$174
Audi S3Compact$2,130$178

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Pearl City, HI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Pearl City, HI, with the Acura Integra ranking first at $1,688 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Pearl City, HI, with the Acura Integra ranking first at $1,688 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

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

Cheapest luxury SUV insurance rates in Pearl City

The four highest ranking luxury SUV models with the cheapest average auto insurance rates in Pearl City are the Acura RDX at $1,586 per year, Lexus NX 250 at $1,680 per year, Cadillac XT4 at $1,714 per year, and Jaguar E-Pace at $1,776 per year.

Some other luxury SUVs that rank well include the Mercedes-Benz GLB 250, Lexus UX 250h, Lincoln Corsair, and Lexus NX 450h, with an average car insurance cost of $1,832 per year or less.

Some additional luxury SUVs worth mentioning include the Land Rover Evoque, Mercedes-Benz GLA35 AMG, Acura MDX, and Lexus RX 350, which average between $1,832 and $1,906 to insure per year.

As a cost per month, full-coverage insurance on this segment in Pearl City for a good driver will start around $132 per month, depending on where you live and the company you use.

If vehicle size is considered, the most affordable compact luxury SUV model to insure in Pearl City is the Acura RDX at $1,586 per year, or $132 per month. For midsize 2024 models, the Jaguar E-Pace has the best rates at $1,776 per year, or $148 per month. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,130 per year, or $178 per month.

The table below ranks the luxury SUVs with the most affordable insurance in Pearl City, starting with the Acura RDX at $1,586 per year and ending with the Lexus RX 350 at $1,906 per year.

Cheapest Luxury SUV Insurance in Pearl City, Hawaii
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,586$132
Lexus NX 250Compact$1,680$140
Cadillac XT4Compact$1,714$143
Jaguar E-PaceMidsize$1,776$148
Cadillac XT5Midsize$1,792$149
Lexus NX 350hCompact$1,792$149
Lincoln CorsairCompact$1,814$151
Mercedes-Benz GLB 250Compact$1,816$151
Lexus UX 250hCompact$1,822$152
Lexus NX 450hCompact$1,832$153
Infiniti QX50Midsize$1,844$154
Mercedes-Benz GLA250Compact$1,850$154
Mercedes-Benz GLA35 AMGCompact$1,856$155
Cadillac XT6Midsize$1,858$155
Infiniti QX60Midsize$1,868$156
Mercedes-Benz AMG GLB35Midsize$1,870$156
Land Rover EvoqueCompact$1,894$158
Acura MDXMidsize$1,898$158
Lexus NX 350Compact$1,904$159
Lexus RX 350Midsize$1,906$159

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Pearl City, HI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Pearl City, HI, with the Acura RDX ranking first at $1,586 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Pearl City, HI, with the Acura RDX ranking first at $1,586 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see rates for your luxury SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Pearl City car insurance quotes from the best companies in Hawaii.

Cheapest sports cars to insure in Pearl City

For 2024 models, the five cheapest sports cars to insure in Pearl City are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Rates for for these five cars range from $1,758 to $2,132 per year.

Not the cheapest to insure, but still ranked well, are cars like the Subaru BRZ, BMW M2, Lexus RC F, and Nissan Z, with average annual insurance rates of $2,272 per year or less.

Additional models on the list include the Chevrolet Camaro, Porsche Taycan, BMW M3, Mercedes-Benz AMG GT53, and Porsche 718, which cost between $2,272 and $3,218 per year for auto insurance.

From a monthly standpoint, car insurance on this segment in Pearl City for a safe driver can cost as low as $147 per month, depending on your location.

The table below ranks the sports cars with the cheapest insurance rates in Pearl City, starting with the Mazda MX-5 Miata at $147 per month and ending with the Porsche Taycan at $268 per month.

Cheapest Sports Car Insurance in Pearl City, Hawaii
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,758$147
Toyota GR86Sports Car$2,002$167
Ford MustangSports Car$2,086$174
BMW Z4Sports Car$2,100$175
Subaru WRXSports Car$2,132$178
Toyota GR SupraSports Car$2,134$178
BMW M2Sports Car$2,196$183
Nissan ZSports Car$2,202$184
Lexus RC FSports Car$2,244$187
Subaru BRZSports Car$2,272$189
BMW M3Sports Car$2,400$200
Porsche 718Sports Car$2,448$204
Chevrolet CamaroSports Car$2,470$206
Chevrolet CorvetteSports Car$2,632$219
Porsche 911Sports Car$2,720$227
BMW M4Sports Car$2,836$236
Lexus LC 500Sports Car$2,850$238
Jaguar F-TypeSports Car$2,996$250
Mercedes-Benz AMG GT53Sports Car$3,142$262
Porsche TaycanSports Car$3,218$268

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Pearl City, HI Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Pearl City, HI, with the Mazda MX-5 Miata ranking first at $1,758 per year.
Ranking of the cheapest sports cars to insure in Pearl City, HI, with the Mazda MX-5 Miata ranking first at $1,758 per year.

Don’t see rates for your sports car? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Hawaii.

Tips for cheaper Pearl City auto insurance rates

Pearl City drivers are always looking to reduce their monthly car insurance expenses, so glance through the savings concepts below and maybe you’ll be able to save a few bucks on your next policy purchase.

  • Obey the law to get lower policy cost. To get the cheapest car insurance in Pearl City, it’s necessary to to be a conservative driver. In fact, just a couple minor traffic violations have the consequences of raising insurance policy cost by at least $506 per year. Major misdemeanors like failing to stop at the scene of an accident could raise rates by an additional $1,766 or more.
  • Be a safe driver and save on Pearl City car insurance. Too many at-fault accidents will increase rates, potentially by an additional $2,716 per year for a 20-year-old driver and as much as $794 per year for a 40-year-old driver. So be safe and save.
  • Compare insurance rates before buying a car. Different vehicles have very different car insurance rates, and companies charge very different rates. Get quotes to compare the cost of insurance before you buy a new car in order to avoid any surprises when you get your insurance bill.
  • If your vehicle is older, remove optional coverages. Removing comprehensive and collision coverage from older vehicles will cheapen the cost to insure considerably.
  • Save money by qualifying for policy discounts. Discounted rates may be available if the policyholders belong to certain professional organizations, are homeowners, take a defensive driving course, choose electronic billing, work in certain occupations, or many other policy discounts which could save the average Pearl City driver as much as $318 per year on the cost of car insurance