Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.
The average rate for high-risk car insurance in Hawaii is $1,239. High-risk drivers in Hawaii can expect to pay between $1,793 and $6,824 for car insurance depending on the reason for the rate increase.
The cheapest insurance in Hawaii for high-risk drivers is, on average, State Farm, however, it will vary based on your exact situation.
If you’re a high-risk driver, finding cheap car insurance in Hawaii will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.
Key takeaways
- The average cost of high-risk car insurance in Hawaii is $1,239, but it varies depending on what’s on your record.
- The average car insurance rate for a driver with a DUI in Hawaii is $1,218, while a driver with a reckless driving conviction pays $1,218 on average.
Cheapest car insurance for high-risk drivers in Hawaii
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Hawaii is State Farm, followed by USAA and Progressive.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,239 | $103 |
| USAA | $2,005 | $167 |
| Progressive | $2,397 | $200 |
| Farmers | $2,513 | $209 |
| Allstate | $3,691 | $308 |
| Geico | $6,892 | $574 |
| Island Insurance | $11,456 | $955 |
Average rates for high-risk drivers in Hawaii by driving record
Average cost of car insurance in Hawaii for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Hawaii for a driver with a DUI is State Farm with an average annual of $1,218 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,218 | $102 |
| Progressive | $2,168 | $181 |
| USAA | $2,230 | $186 |
| Farmers | $2,477 | $206 |
| Allstate | $4,069 | $339 |
| Geico | $6,684 | $557 |
| Island Insurance | $14,531 | $1,211 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Hawaii, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $1,218 per year or $102 monthly.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,218 | $102 |
| Geico | $1,403 | $117 |
| USAA | $1,465 | $122 |
| Farmers | $1,735 | $145 |
| Progressive | $1,958 | $163 |
| Allstate | $2,275 | $190 |
| Island Insurance | $2,995 | $250 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Hawaii, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,218 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,218 | $102 |
| USAA | $1,649 | $137 |
| Progressive | $2,339 | $195 |
| Farmers | $2,477 | $206 |
| Allstate | $4,069 | $339 |
| Geico | $6,684 | $557 |
| Island Insurance | $12,538 | $1,045 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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