For drivers with bad credit in Hawaii, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Hawaii. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Hawaii.
Whether you're a tourist or not, being in the Aloha State is the ultimate vacation. Living here is costly, however, and having good credit is something to strive for.
But those with less-than-desirable credit in Hawaii don't have to worry about it impacting their car insurance rates. State law prohibits insurance companies from using credit information to inform your premiums. Your rates are set instead by where you live, the kind of car you drive, your driving record, and other factors.
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
Statistically speaking, drivers with bad credit pay about 10 percent more than average in Hawaii. But this isn't attributed to their credit score since credit isn't taken into account when setting rates.
Why higher rates, then? Because people with bad credit tend to make more claims, the higher rates for those with bad credit could be claims-related. When you have an accident—even a fender bender—your rates go up.
Hawaii has passed laws making it illegal for insurance companies to discriminate based on your credit when setting car insurance rates. Locals don't undergo a credit check when shopping for car insurance.
But this doesn't mean that your credit isn't worth working on. You just don't have to worry about it impacting car insurance rates while you live and drive on the island. Insurance companies almost always take credit into account when it's legal for them to do so, and only California and Massachusetts have similar laws to protect customers from discrimination.
Good credit is always worth striving for since it affects your finances in so many ways. Even though auto policies here don't take credit rating into account, you can easily see that credit rating relates in some way to the cost of car insurance. Those with poor credit pay on average $28 more per month than those whose credit is excellent
The average premium for drivers with bad credit in Honolulu is $118. Remember, though, that ZIP code influences rates as well. Even if you live just a few miles out of the city, your rates could be more or less.
Insurance prices and policies can vary significantly between companies, and a state like Hawaii draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.