State Farm Mutual Automobile Insurance Co., the No. 2 auto insurer in Hawai'i, said it had lowered rates here for the sixth time in seven years.

The average premium was reduced 5.4 percent on July 14, State Farm said.

The lower premiums come as personal injury protection coverage fell, while collision coverage is also declining, the company said. Individual premium changes will vary depending on drivers, cars and miles driven.