Cheapest car insurance for high-risk drivers in Hawaii

Which company has the 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

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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.

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.

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?

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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What is the 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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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

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

State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $2,123 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those 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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Key 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 offers the lowest rates after an accident, averaging $1,727 per year. Progressive is another budget-friendly option, with rates around $1,842 a year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean 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

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Key insight

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

Which city has the cheapest car insurance for high-risk drivers in Hawaii?

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

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

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.

Are Hawaii's insurance requirements for high-risk drivers?

If you're a high-risk driver in Hawaii, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

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: