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Hawaii Car Insurance for Bad Credit Drivers

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Jeanette Wisniewski

By: Jeanette Wisniewski

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Companies for Drivers With Bad Credit in Hawaii (2022)

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.

CarrierAvg. Monthly Cost
Farmers Insurance Group$105
American Family Insurance$109

Bad Credit Car Insurance 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.

Hawaii Car Insurance Rates for Bad Credit Drivers

Excellent
$127
Good
$142
Average
$143
Poor
$155

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.

How Much Does Bad Credit Impact Car Insurance Rates in Hawaii?

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.

Avg. Monthly Cost - for Drivers with Good Credit
$120
Avg. Monthly Cost - for Drivers with Bad Credit
$132
$12 ▴
10.00% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Hawaii?

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.

Hawaii Car Insurance Rates by Credit Tier

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

Credit TierAvg. Monthly Cost
Excellent$127
Good$142
Average$143
Poor$155

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Car Insurance Rates With Bad Credit in Hawaii Cities

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.

CityCredit TierAvg. Monthly Cost
HonoluluPoor$118

Tips for Researching Bad Credit Hawaii Car Insurance Rates

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.

Top Auto Insurance Companies

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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. See All Auto Insurance Companies

FAQs - Hawaii Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Hawaii. Insurify analyzed the latest data for the five most populous cities in Hawaii to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Hawaii and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Personalized quotes in 5 minutes or less
  • No signup required
  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Insurance Writer

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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