Cheapest car insurance for high-risk drivers in Hawaii

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, youll 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

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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.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

Read on as we explain high-risk car insurance factors and rates below.

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 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

Although many insurance companies provide coverage after a DUI, Progressive offers the most affordable rate at $2,050 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Hawaii for drivers with a clean record versus those with a DUI.

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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Cheapest car insurance in Hawaii with multiple tickets

The cheapest insurer for drivers with multiple tickets is Progressive, with rates averaging $1,685 annually or $140 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your 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

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Cheapest car insurance in Hawaii with a reckless driving conviction

State Farm has the cheapest rates for drivers with reckless driving convictions at $2,123 a year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with 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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Cheapest car insurance after an accident in Hawaii

GEICO has the lowest average rates after an accident at $1,727 a year. Progressive also offers affordable rates, averaging $1,842 per year.

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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Cheapest car insurance in Hawaii by city

Honolulu has the cheapest car insurance rates in Hawaii at $3,942 per year. But the most expensive city is Captain Cook with rates of $4,206 per year.

Your location in Hawaii also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance 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

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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:

Where you live in Hawaii also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.