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The cost of car insurance varies depending on your age, marital status, mileage, driving history, and more.

Most insurance companies offer a cheaper price to drivers with good records. But if you have been cited or have tickets on your record, then your insurance premiums will likely go up.

However, comparison shopping can help you save money on your car insurance premiums. Our research for drivers with a clean record can help you save on car insurance. But if you have a bad driving record, then you'll have to pay more for car insurance.

Worry not! We are here to help. Our team of experts has analyzed hundreds of companies to find the cheapest rates available for drivers with less than perfect records.

Cheapest for high-risk drivers in Hawaii with an at-fault accident

State Farm offers the cheapest car insurance rates for drivers with an accident record. With an average annual rate of $1,321 per year after the accident, State Farm rates are 31.48% cheaper than the Hawaii state average (rates after the accident) and $1,766 Less than the national average of $3,087 (rates after the accident).

However, you can save on your insurance by comparing price quotes from multiple insurers.

CompanyAvg Annual Premium
State Farm$1,321
Geico$1,403
Progressive$1,958
Island Insurance$2,283
Farmers$2,327
Allstate$2,424

Cheapest for high-risk drivers in Hawaii with a DUI

State Farm offers the cheapest car insurance for high-risk drivers with a DUI in Hawaii. It costs $1,218 a year on average for a full coverage policy after a DUI. If you get pulled over for driving under the influence, your car insurance rates will likely skyrocket. Having a DUI on your driving record can make it difficult to get car insurance because auto insurers often designate drivers who have been convicted of DUI as high-risk. The cost of auto insurance can vary widely after a DUI, depending on your state and the insurer. Based on our rate data analysis, we have put together a list of the companies that offer cheap car insurance for drivers with a DUI in Hawaii.

CompanyAvg Annual Premium
State Farm$1,218
Progressive$2,552
Farmers$2,784
Allstate$4,550

Cheapest for high-risk drivers in Hawaii with speeding tickets

The cheapest insurance carrier for drivers with speeding tickets on their record is Geico. It offers full coverage insurance to Hawaii drivers for $1,109 per year or $92 monthly. If you get a speeding ticket, your car insurance company will likely raise your rates when it comes time to renew your policy. But comparison shopping can help you trim your insurance cost overall.

CompanyAvg Annual Premium
Geico$1,109
State Farm$1,218
Farmers$1,635
Progressive$1,852
Allstate$2,243
ISLAND INS CO GRP$5,796

Cheapest for high-risk drivers in Hawaii with SR22

The cheapest auto insurance in Hawaii with an SR-22 is State Farm with an average annual cost of $1,327 or $111 per month.

If you have a DUI or DWI conviction on your driving record, you might need your insurance company to file an SR-22 form with the state DMV in your name. SR-22 is a guarantee from a car insurance company to the state that you have the legally mandated coverage.

CompanyAvg Annual Premium
State Farm$1,327
Progressive$1,935
Farmers$2,036
Geico$3,873
Allstate$4,853