Cheapest car insurance for high-risk drivers in Hawaii

Which company has the cheapest car insurance in Hawaii for a bad driving record?

Progressive offers the cheapest average car insurance rate for high-risk drivers in Hawaii at $1,865 a year. State Farm and Farmers also provide below-average rates for drivers with traffic violations, accidents or other risk factors.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

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

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How much is high-risk car insurance in Hawaii?

The average cost of high-risk car insurance in Hawaii is $3,954 per year. Depending on your driving history and insurer, you may be able to find rates as low as $1,865 annually.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

Average annual car insurance rate for At-fault bodily injury accident in Hawaii, HI is $2,116

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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

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Average annual rate

People ask

Who is considered a high-risk driver 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.

What company offers the cheapest car insurance in Hawaii after a DUI?

Progressive offers the cheapest average rate for drivers with multiple tickets at $1,685 annually or $140 monthly.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after 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

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What is the cheapest car insurance in Hawaii with multiple tickets?

Progressive has the cheapest average rates for drivers with multiple tickets at $1,685 annually or $140 monthly.

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.

This table shows drivers in Hawaii how much having multiple tickets can raise their insurance 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

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Expert's Insight Two minor tickets can sometimes cost you more on insurance than one major violation.

What company offers the cheapest insurance for reckless driving in Hawaii?

State Farm has the cheapest average reckless driving insurance rates in Hawaii at $2,123 per year. Reckless driving convictions often result in substantial premium increases and fewer coverage options.

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.

The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.

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

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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

What company has the cheapest car insurance in Hawaii after an accident?

GEICO has the cheapest average post-accident insurance rates in Hawaii at $1,727 per year. Progressive also offers below-average rates after an at-fault crash.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is cheapest for high-risk car insurance in Hawaii?

Honolulu has the cheapest average high-risk insurance premiums in Hawaii at $3,942 annually. Meanwhile, Captain Cook has the highest average rates at $4,206 per year.

Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.

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

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How can high-risk drivers lower their car insurance rates in Hawaii?

Even if you're considered a high-risk driver, there are still several ways to lower your insurance premiums in Hawaii, including shopping around, taking a defensive driving course and avoiding further infractions.

You may be able to save money by:

Carefully consider filing claims. Covering minor damage out of pocket can be less expensive than filing an insurance claim, which might raise your premiums for years.
Avoid costly infractions. Practice safe driving to prevent additional traffic violations on your record. Tickets typically impact your insurance rates for only a few years, and your premiums may decrease if no new violations occur during that time.
Improve your credit score. Improving your credit score can lower your car insurance premiums. Paying bills on time and managing your credit utilization responsibly will help raise your score.
Take a defensive driving course. Many insurers offer discounts for completing the course, and certain states will even remove points from your driver's license once you complete it.
Shop around for coverage. Each car insurance company evaluates factors differently and sets its own rates. Comparing quotes can help you find the lowest price.

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 Hawaiidepends 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.

What are Hawaii's insurance requirements 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.

An SR-22 is not an insurance policy and doesn't require special 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

FAQ: High-risk car insurance in Hawaii

Can high-risk drivers get full coverage car insurance in Hawaii?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Hawaii?

Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.