For a 40-year-old driver with a clean record, Pearl City car insurance costs about $147 a month ($1,764 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Hawaii average of $148 a month. GEICO has the lowest full-coverage average of the five major insurers we compared (21st Century, Allstate, GEICO, Liberty Mutual and State Farm), at about $89 a month. Comparing auto insurance quotes in Pearl City, HI, pays off, so collect car insurance quotes from several insurers.
Our Pearl City figures are for ZIP code 96782, the ZIP code at the center of Pearl City on the Census Bureau’s maps; the census-designated place counted 45,295 residents in 2020. Neighboring Aiea’s 96701 is priced the same for our benchmark driver.
Pearl City’s average sits right at the Hawaii average, so the bigger question for a Pearl City driver is which insurer to start with, not whether the town is expensive.
Cost data comes from the auto rates insurers file with state regulators, priced in Pearl City’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Does Car Insurance Cost in Pearl City, HI?
Pearl City auto insurance costs $1,764 a year, or about $147 a month, for full coverage in 96782 for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $582 a year ($49 a month), and 50/100/50 liability with comprehensive and collision averages $1,688 ($141 a month).
- Full coverage (100/300/100, $500 deductibles): $1,764 a year ($147 a month)
- 50/100/50 with $500 deductibles: $1,688 a year ($141 a month)
- Liability only (20/40/10): $582 a year ($49 a month)
- Honolulu County (Oahu): $1,764 a year ($147 a month) for full coverage
- Hawaii average: $1,773 a year ($148 a month) for full coverage
Cheap Car Insurance Companies in Pearl City, HI
Six insurers price our benchmark driver in 96782, and their full-coverage averages are far apart: GEICO has the lowest of the six, at about $89 a month, and Liberty Mutual the highest, at $203.
- Lowest average in our data, full coverage: GEICO, at about $89 a month ($1,069 a year).
- Next lowest any driver can buy: 21st Century, at about $130 a month, then Allstate at $161.
- Military families: USAA averages about $119 a month, but only for eligible members.
- Liability only (20/40/10): about $29 to $63 a month across the five insurers anyone can buy from.
- Also on our list: Farmers at about $135 a month, Progressive at $140 and Island Insurance at $146.
- Most expensive in our data: Liberty Mutual, at about $203 a month, $1,361 a year more than GEICO for the same driver and car.
Six of the seven published 2026 statewide Hawaii rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, which sells only to military families; one ranks Progressive first. For liability-only coverage at 20/40/10 limits, averages run from about $29 to $63 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Pearl City
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $345 | $29 | $1,069 | $89 |
| USAA (military families) | $433 | $36 | $1,425 | $119 |
| 21st Century | $587 | $49 | $1,560 | $130 |
| Allstate | $689 | $57 | $1,930 | $161 |
| State Farm | $760 | $63 | $2,169 | $181 |
| Liberty Mutual | $679 | $57 | $2,430 | $203 |
| Farmers* | $684 | $57 | $1,623 | $135 |
| Progressive* | $754 | $63 | $1,681 | $140 |
| Island Insurance* | $590 | $49 | $1,752 | $146 |
| Pearl City average | $582 | $49 | $1,764 | $147 |
This table uses Pearl City’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Pearl City?
Raising liability limits from 50/100/50 to 100/300/100 adds about $76 a year on average in our Pearl City data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. USAA charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Pearl City?
Yes, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Pearl City ZIP code, their full-coverage average rose from $1,603 a year nine months earlier to $1,631 in rates as of Aug. 31, 2026, a 1.7% increase. USAA raised its average 3.6%, GEICO 3.5% and State Farm 2.5%, while 21st Century’s and Allstate’s averages were unchanged. Liberty Mutual is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Pearl City average above. Liability-only coverage at 20/40/10 limits rose 13.3%, led by GEICO, which raised its liability-only average 22.3%.
What Shapes Car Insurance Costs in Pearl City
Pearl City’s $1,764 a year is the figure that 12 of the 25 Oahu ZIP codes we price share, from Aiea and Mililani to Kailua and Kaneohe, so moving within central Oahu rarely changes our benchmark driver’s average. Honolulu, about nine miles southeast, is $4 a year cheaper, a rounding difference.
What does move the price is coverage. In 96782, liability-only coverage at 20/40/10 limits averages $582 a year, and stepping up to 50/100/50 with collision and comprehensive brings the average to $1,688, before the step to full coverage.
Insurer by insurer, Pearl City and Honolulu differ only in 21st Century’s and GEICO’s prices. 21st Century charges our driver $1,560 a year for full coverage in 96782, $27 more than in Honolulu, and $587 for liability only, $2 more; GEICO charges $1,069 for full coverage, $4 less, and $345 for liability only, $9 less.
Where Pearl City Drivers Register a Car
The City and County of Honolulu’s Pearlridge Satellite City Hall, at 98-1005 Moanalua Road in Aiea, handles vehicle registration and titling and driver’s license renewals, and the city’s commercial driver licensing office is at 897 Second St. in Pearl City, according to its Department of Customer Services. Renewing a passenger car’s registration late adds a $16 penalty, according to the city’s registration page.
How Pearl City Car Insurance Compares With Other Hawaii Cities
More Hawaii cities and towns are in the Hawaii rates by city table, and you can compare states on our car insurance rates by state page.
Waipahu, about four miles west, averages $149 a month, and Mililani, about five miles northwest, $147. Ewa Gentry, about six miles southwest, averages $149, and Honolulu $147. Aiea, about two miles southeast, has no guide of its own but averages the same $147. Our guide to Hawaii car insurance rates compares every island.
What Car Insurance Is Required in Pearl City?
Drivers in Pearl City follow Hawaii’s rules. For new and renewal policies effective on or after Jan. 1, 2026, every policy must include at least:
- Liability coverage of $40,000 per person and $80,000 per crash for injuries and $20,000 for property damage (40/80/20)
- Personal injury protection of $10,000 per person for your own medical and rehabilitation costs, whoever caused the crash
- Uninsured and underinsured motorist coverage at your bodily injury limits, unless you reject it in writing
Our liability-only prices use 20/40/10 limits, the minimum before 2026, with 20/40 uninsured and underinsured motorist coverage, so a policy that meets today’s 40/80/20 minimum will generally cost more than our liability-only figures. Our Hawaii requirements guide covers proof of insurance, the no-fault rules and the penalties for driving uninsured.
Uninsured and underinsured motorist coverage is where Hawaii’s rules give you the most choice. It comes with every policy at your bodily injury limits, but a named insured can reject it in writing, and insurers must offer to let you stack it and to select it up to, but not above, your bodily injury limits, under HRS § 431:10C-301.
How to Lower Your Car Insurance Rate in Pearl City
- Know where to get help. The Hawaii Insurance Division’s consumer complaint line, 1-844-808-DCCA (3222), takes questions and complaints about insurers.
- Protect your driving record. Because Hawaii bars rating on age and credit (HRS § 431:10C-207), your driving record and claims history are among the rating factors a Pearl City driver can control.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Hawaii, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Pearl City Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: six full-coverage premiums from six insurers in Pearl City’s ZIP code, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use. Hawaii law bars insurers from basing rates on age, sex, marital status, length of driving experience or credit.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/10 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Hawaii’s minimum has been 40/80/20 for new and renewal policies effective on or after Jan. 1, 2026, so our liability-only prices use lower limits than the law requires. Every Hawaii policy must also include at least $10,000 per person in personal injury protection; the requirements section of this page explains what it pays.
- Calculation: for each insurer we take its lowest eligible price in Pearl City’s ZIP code. The overall average is the mean of those prices, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code and its lead over the next insurer isn’t so wide that it looks like an outlier. In Pearl City, GEICO’s full-coverage average is 31.5% below 21st Century’s ($1,069 and $1,560 a year), a little wider than that, but six of the seven published 2026 statewide Hawaii rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, so we name it for full coverage and show the range of prices for liability-only coverage. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP code, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Liberty Mutual is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers, including USAA, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Hawaii rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Hawaii law and the Hawaii Insurance Division. We refresh these figures when new rate data is released.
Pearl City Car Insurance FAQ
For our benchmark driver, full coverage in Pearl City averages about $147 a month ($1,764 a year) and liability-only coverage at 20/40/10 limits about $49 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Hawaii average of $148 a month.
GEICO has the lowest full-coverage average in our Pearl City rate data, at about $89 a month, followed by 21st Century at $130 among insurers anyone can buy from. USAA, which sells only to military families, averages about $119 a month. For liability-only coverage at 20/40/10 limits, averages run from about $29 to $63 a month. Six of the seven published 2026 statewide Hawaii rate studies we reviewed rank GEICO cheapest for full coverage, apart from USAA; one ranks Progressive first. Rates vary by driver, so compare quotes for your own car and ZIP code.
No, but the difference is tiny. For our benchmark driver, Pearl City (96782) averages $1,764 a year for full coverage and Honolulu $1,760, $4 a year less, so both round to about $147 a month.
No. Hawaii insurers can’t base your rate on your age, sex, marital status, length of driving experience or credit, under HRS § 431:10C-207. In Pearl City, as everywhere in Hawaii, your driving record, claims history, where you garage your car and the car itself set the price.
In our Pearl City data, full coverage (100/300/100 with $500 deductibles) averages about $147 a month and liability-only coverage at 20/40/10 limits about $49, a difference of about $98 a month ($1,182 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Hawaii law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Pearl City follow Hawaii law: for new and renewal policies effective on or after Jan. 1, 2026, at least $40,000 per person and $80,000 per crash for injuries and $20,000 for property damage (40/80/20), plus $10,000 per person in personal injury protection. Uninsured and underinsured motorist coverage comes with the policy unless you reject it in writing, and you must keep your insurance card in the car or on your phone.
Yes, for our benchmark driver. Comparing the five insurers in both sets of rates (Liberty Mutual is new over the past nine months), their Pearl City full-coverage average rose 1.7%, from about $1,603 to $1,631 a year. That’s lower than the Pearl City average of $1,764 because it leaves out Liberty Mutual. USAA raised its average 3.6%, GEICO 3.5% and State Farm 2.5%. Liability-only coverage at 20/40/10 limits rose 13.3%.
For our benchmark driver, full coverage in Pearl City averages about $147 a month. Nearby, Waipahu averages about $149, Mililani about $147 and Ewa Gentry about $149. Pearl City is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
