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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.

CompanyAvg Annual PremiumAvg 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

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Company nameAverage 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.

CompanyAvg Annual PremiumAvg 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.

CompanyAvg Annual PremiumAvg 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.

CompanyAvg Annual PremiumAvg 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

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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