- Cheapest car insurance in Hawaii for a bad driving record
- How much is high-risk car insurance in Hawaii?
- Cheapest car insurance in Hawaii with a DUI
- Cheapest car insurance in Hawaii with multiple tickets
- Cheapest car insurance in Hawaii with a reckless driving conviction
- Cheapest car insurance after an accident in Hawaii
- Cheapest car insurance in Hawaii by city
- How to reduce car insurance rates in Hawaii for a bad driving record
- Hawaii car insurance laws for high-risk drivers
- Methodology
- Compare Hawaii high-risk driver car insurance rates with other states
Cheapest car insurance in Hawaii for a bad driving record
Drivers with a poor record in Hawaii will find the lowest rates from Progressive, State Farm and Farmers. Among these, Progressive provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,865 annually.
If you have accidents, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Progressive | $1,279 | $1,865 |
| State Farm | $1,938 | $2,123 |
| Farmers | $1,495 | $2,198 |
| Allstate | $1,882 | $3,482 |
| GEICO | $1,184 | $8,260 |
| Island Insurance | $1,771 | $11,196 |
| USAA | $1,067 | $1,417 |
How much is high-risk car insurance in Hawaii?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Hawaii, high-risk car insurance costs $3,954 per year. However, you can get rates as low as $1,865 annually from Progressive.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| USAA | $1,067 | $1,310 |
| GEICO | $1,184 | $1,727 |
| Progressive | $1,279 | $1,842 |
| State Farm | $1,938 | $2,307 |
| Island Insurance | $1,771 | $2,361 |
| Farmers | $1,495 | $2,428 |
| Allstate | $1,882 | $2,869 |
PEOPLE ASK:
Who is considered high-risk for insurance in Hawaii?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Hawaii with a DUI
While many insurers offer coverage after a DUI, Progressive has the lowest rate at $2,050 a year.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Hawaii.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| Progressive | $1,279 | $2,050 |
| State Farm | $1,938 | $2,123 |
| Farmers | $1,495 | $2,586 |
| Allstate | $1,882 | $4,769 |
| GEICO | $1,184 | $8,260 |
| Island Insurance | $1,771 | $15,066 |
| USAA | $1,067 | $2,146 |
Cheapest car insurance in Hawaii with multiple tickets
Progressive is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,685 a year or $140 a month.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.
This table shows Hawaii drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| Progressive | $1,279 | $1,685 |
| Farmers | $1,495 | $1,808 |
| State Farm | $1,938 | $2,123 |
| Allstate | $1,882 | $2,625 |
| Island Insurance | $1,771 | $9,305 |
| USAA | $1,067 | $1,117 |
Cheapest car insurance in Hawaii with a reckless driving conviction
State Farm offers the cheapest rates for drivers with reckless driving convictions at $2,123 per year.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $1,938 | $2,123 |
| Progressive | $1,279 | $2,219 |
| Farmers | $1,495 | $2,586 |
| Allstate | $1,882 | $4,769 |
| GEICO | $1,184 | $8,260 |
| Island Insurance | $1,771 | $12,998 |
| USAA | $1,067 | $1,590 |
Cheapest car insurance after an accident in Hawaii
GEICO has the lowest rates after an accident at $1,727 a year. Progressive also has affordable rates at $1,842 a year.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| GEICO | $1,184 | $1,727 | $2,222 |
| Progressive | $1,279 | $1,842 | $2,463 |
| State Farm | $1,938 | $2,307 | $2,307 |
| Island Insurance | $1,771 | $2,361 | $3,100 |
| Farmers | $1,495 | $2,428 | $2,909 |
| Allstate | $1,882 | $2,869 | $3,600 |
| USAA | $1,067 | $1,310 | $1,662 |
Cheapest car insurance in Hawaii by city
In Hawaii, the lowest car insurance rates are found in Honolulu, averaging $3,942 annually. On the other hand, Captain Cook has the highest rates at $4,206 a year.
Where you live in Hawaii matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Honolulu | $1,515 | $3,942 |
| Schofield Barracks | $1,515 | $3,942 |
| Kailua | $1,575 | $4,098 |
| Captain Cook | $1,630 | $4,206 |
| Hakalau | $1,630 | $4,206 |
How to reduce car insurance rates in Hawaii for a bad driving record
Finding affordable car insurance in Hawaii is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Hawaii?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Hawaii car insurance laws for high-risk drivers
If you're considered a high-risk driver in Hawaii, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.
Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined $53M insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
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