Pearl City, HI Car Insurance (2024 Cheapest + Rankings)

• Pearl City car insurance cost averages $1,330 per year, or approximately $111 per month, for a full-coverage policy.
• Auto insurance rates for a few popular models in Pearl City include the Ram Truck at $129 per month, Toyota RAV4 at $103, and Nissan Rogue at $100.
• 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, Hyundai Ioniq 6, and Honda Passport.

How much does Pearl City car insurance cost?

In Pearl City, average auto insurance cost is $1,330 per year, which is 34.4% less than the national average rate of $1,883. Per month, Pearl City drivers can expect to pay an average of $111 for a full-coverage car insurance policy.

In the state of Hawaii, the average car insurance cost is $1,356 per year, so the cost in Pearl City averages $26 less per year. When compared to other cities in Hawaii, the cost of auto insurance in Pearl City is around $10 per year less than in Kailua, $80 per year less than in Hilo, and $38 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.

The average cost of auto insurance per month in Pearl City is $111, with policy premium ranging from $78 to $260 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 – $4,748 per year or $396 per month
• 17-year-old driver – $4,602 per year or $384 per month
• 18-year-old driver – $4,122 per year or $344 per month
• 19-year-old driver – $3,754 per year or $313 per month
• 20-year-old driver – $2,684 per year or $224 per month
• 30-year-old driver – $1,424 per year or $119 per month
• 40-year-old driver – $1,330 per year or $111 per month
• 50-year-old driver – $1,182 per year or $99 per month
• 60-year-old driver – $1,106 per year or $92 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.

Auto insurance for a 16-year-old female driver in Pearl City costs an average of $312 less per year than the cost to insure a male driver, while at age 19, the cost difference is much less but is still $579 per year.

The cost of car insurance for Pearl City’s favorite vehicles

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.

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 – $1,330 (Pearl City average) compared to $1,356 (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 $1,502 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 $554 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 $3,175 to $4,748 per year for teenage driver insurance in Pearl City.
• Pearl City, HI, car insurance costs less than the U.S. average – $1,330 (Pearl City average) compared to $1,883 (U.S. average)
• Car insurance rates drop a lot from age 20 to 30 – The average 30-year-old Pearl City driver will pay $1,260 less annually than a 20-year-old driver, $1,424 versus $2,684.

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 $90 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 Volkswagen Taos, Buick Encore, Chevrolet Colorado, and Kia Niro.

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 $1,142 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.

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.

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 $1,062 per year for full coverage insurance up to the Rivian R1S at $1,636 per year. In the large truck segment, the cost of insurance ranges from the Nissan Titan at $1,248 per year to the Toyota Tundra at $1,586 per year, a difference of $338 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 $102 or less per month.

Other models that are affordable to insure are the Kia K5, Chevrolet Malibu, Toyota Prius, and Hyundai Ioniq 6, with average insurance cost of $1,294 per year or less.

In the bottom half of the top 20, models like the Volkswagen Jetta, Toyota Crown, Subaru Legacy, Hyundai Sonata, Toyota Corolla, and Mitsubishi Mirage G4 cost between $1,294 and $1,380 per year for insurance in Pearl City.

From a monthly standpoint, car insurance rates in this segment starts at an average of $96 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 $1,156 per year. For midsize models, the Hyundai Ioniq 6 is the cheapest model to insure at $1,222 per year. And for full-size sedans, the Chrysler 300 has the most affordable rates at $1,264 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 $96 per month and ending with the Mazda 3 at $115 per month.

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 $982 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 $1,090 per year or less.

Ranked in the bottom half of the top 20 cheapest SUVs to insure, SUVs like the Nissan Murano, Subaru Ascent, Volkswagen Tiguan, Volkswagen Taos, and Buick Envista average between $1,090 and $1,160 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 $82 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 $982 per year. For midsize SUVs, the Honda Passport is the cheapest model to insure at $1,062 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $1,252 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 $82 per month and ending with the Honda HR-V at $97 per month.

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 $1,140 per year. Second place is the Nissan Titan costing $1,248 per year, and third place goes to the Nissan Frontier, at an average of $1,262 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 $1,372 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 $95 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 $1,140 per year and ending with the Ram Truck at $1,544 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 $1,378 or less per year, or around $115 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 $1,400 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 $1,400 and $1,494 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 $99 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 $1,184 per year, or $99 per month. For midsize luxury car models, the Mercedes-Benz CLA250 is cheapest to insure at $1,370 per year, or $114 per month. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $1,578 per year, or $132 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 $1,184 per year ($99 per month) and ending with the Audi S3 at $1,494 per year ($125 per month).

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 $1,112 per year, Lexus NX 250 at $1,178 per year, Cadillac XT4 at $1,202 per year, and Jaguar E-Pace at $1,246 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 $1,284 per year or less.

Some additional luxury SUVs worth mentioning include the Acura MDX, Cadillac XT6, Land Rover Evoque, and Lexus NX 350, which average between $1,284 and $1,336 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 $93 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 $1,112 per year, or $93 per month. For midsize 2024 models, the Jaguar E-Pace has the best rates at $1,246 per year, or $104 per month. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $1,494 per year, or $125 per month.

The table below ranks the luxury SUVs with the most affordable insurance in Pearl City, starting with the Acura RDX at $1,112 per year and ending with the Lexus NX 350 at $1,336 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 $1,232 to $1,496 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 $1,594 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 $1,594 and $2,258 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 $103 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 $103 per month and ending with the Porsche Taycan at $188 per month.

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 $358 per year. Major misdemeanors like failing to stop at the scene of an accident could raise rates by an additional $1,242 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 $1,908 per year for a 20-year-old driver and as much as $558 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 $222 per year on the cost of car insurance