🚗 Car insurance cost in Hilo, HI (2027)
Estimated average: $1,486 per year — -31% vs. the U.S. average of $2,150.
With about 44,186 residents, Hilo is a smaller city and the #3 largest city in Hawaii. Car insurance rates here are estimated at $1,486 per year, below the Hawaii average of $1,548 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Hilo with other Hawaii cities.
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Hilo car insurance FAQ
How much is car insurance in Hilo, HI?
The estimated average is $1,486 per year — below the state average (-4% vs. the Hawaii average of $1,548, and -31% vs. the U.S. average).
Is car insurance more expensive in Hilo than elsewhere in Hawaii?
Hilo has about 44,186 residents. Larger metro areas usually see different rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Hilo?
Compare at least three quotes from insurers active in Hilo, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.