- Cheapest car insurance in Hawaii for a bad driving record
- How much is high-risk car insurance in Hawaii?
- Cheapest car insurance in Hawaii with a DUI
- Cheapest car insurance in Hawaii with multiple tickets
- Cheapest car insurance in Hawaii with a reckless driving conviction
- Cheapest car insurance after an accident in Hawaii
- Cheapest car insurance in Hawaii by city
- How to reduce car insurance rates in Hawaii for a bad driving record
- Hawaii car insurance laws for high-risk drivers
- Compare Hawaii high-risk driver car insurance rates with other states
Cheapest car insurance in Hawaii for a bad driving record
Progressive, State Farm, Farmers provides affordable car insurance for high-risk drivers with bad driving record in Hawaii.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| 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 |
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. However, you can get rates as low as $1,865 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.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
PEOPLE ASK:
Who is considered high-risk for insurance in Hawaii?
Each insurance company determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land you in the high-risk category.
Cheapest car insurance in Hawaii with a DUI
While many insurers offer coverage after a DUI, Progressive has the lowest rate at $2,050.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Hawaii.
| 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 |
Cheapest car insurance in Hawaii with multiple tickets
Progressive is the cheapest car insurance company for drivers with multiple traffic tickets, with rates averaging $1,685 or $140.
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 |
Cheapest car insurance in Hawaii with a reckless driving conviction
State Farm offers the cheapest rates for drivers with reckless driving convictions at $2,123.
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 |
Cheapest car insurance after an accident in Hawaii
Geico has the lowest rates after an accident at $1,727. Progressive also has affordable rates at $1,842.
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 |
Cheapest car insurance in Hawaii by city
Honolulu has the cheapest car insurance rates in Hawaii, averaging $3,942. However, the most expensive city is Captain Cook, with average insurance rates of $4,206.
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.
| 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 |
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:
- 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're seen as a high-risk driver in Hawaii depends on the rules of your insurance company. The state decides how long a violation stays on your driving record, but your insurance company decides how long they'll charge you for it.
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.
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