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 Farmers and Progressive.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,218 | $102 |
| Farmers | $1,972 | $164 |
| Progressive | $1,981 | $165 |
| Allstate | $2,964 | $247 |
| Geico | $3,251 | $271 |
| Island Insurance | $10,800 | $900 |
| USAA | $1,471 | $123 |
Average rates for high-risk drivers in Hawaii by driving record
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| State Farm | $1,321 |
| USAA | $1,356 |
| Geico | $1,403 |
| Progressive | $1,958 |
| Island Insurance | $2,283 |
| Farmers | $2,327 |
| Allstate | $2,424 |
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 |
| Farmers | $2,477 | $206 |
| Allstate | $4,069 | $339 |
| Geico | $6,684 | $557 |
| Island Insurance | $14,531 | $1,211 |
| USAA | $2,230 | $186 |
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 |
| Farmers | $1,635 | $136 |
| Progressive | $1,799 | $150 |
| Allstate | $2,227 | $186 |
| Island Insurance | $8,977 | $748 |
| USAA | $1,159 | $97 |
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 |
| Progressive | $2,339 | $195 |
| Farmers | $2,477 | $206 |
| Allstate | $4,069 | $339 |
| Geico | $6,684 | $557 |
| Island Insurance | $12,538 | $1,045 |
| USAA | $1,649 | $137 |
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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