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Hawaii Car Insurance for High Risk Drivers (With Quotes)
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Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in Hawaii (2022)
For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
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 high-risk drivers in Hawaii.
| Carrier | Avg. Monthly Cost |
|---|---|
| Farmers Insurance Group | $150 |
| American Family Insurance | $190 |
What Makes a Driver High-Risk in Hawaii?
According to an insurance company, a high-risk driver is a person who's more likely to file a claim than an average driver. You can put yourself on the list, or you can end up there by no fault of your own. How?
You earn a spot for the following mistakes: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. If you're a first-time driver, teenage driver, or driver age 65 or older, you're in the group—likewise if you have poor credit or no credit. As a Hawaiian, regardless of why you made the cut, you can still find reasonable insurance rates.
Hawaii Car Insurance Rates for High-Risk Drivers
No Violation$114
Failure to Stop$137
Reckless Driving$148
At-Fault Accident$165
Speeding Ticket$172
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Hawaii?
You won't find "most likely to become a high-risk driver" in anyone's high school yearbook. But life happens, and some end up there. Usually, the culprit is a rush to work or school or a distraction that takes your attention for a fraction of a second. Should you be penalized forever for one mistake?
Luckily, most insurance companies only count the last three years against you. If you want to save while you wait, compare quotes and coverages, avoid accidents and tickets, and shop around when renewal time comes. High-risk drivers can expect to find car insurance policies somewhat similar in cost to the figures in this table.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $114 |
| Speeding Ticket | $172 |
| At-Fault Accident | $165 |
| Reckless Driving | $148 |
| Failure to Stop | $137 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Hawaii?
Out of all the rushing people on the road, you happen to be the one who gets the ticket. And that little piece of paper will cost you over $55 more per month, or $660 per year. Look at the difference a need for speed makes:
No Violation - Avg. Monthly Rate$114
Speeding ticket - Avg. Monthly Rate$172
$58 ▴
Avg. Monthly Rate Increase
How Does an at-Fault Accident Impact Insurance Rates in Hawaii?
It doesn't have to be a severe crash to ruin your rate. Even that little fender bender that causes the insurance company to pay a claim can shoot your premium up by over $50 per month, or $600 per year. Even with an accident, you can still spend what some people consider affordable in the Aloha State:
No Violation - Avg. Monthly Rate$114
Speeding ticket - Avg. Monthly Rate$165
$51 ▴
Avg. Monthly Rate Increase
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Hawaii?
Should you have sped through the yellow or stopped? They say hindsight is 20/20. And when you have a ticket, stopping looks like the better idea, especially when your rate goes up by over $20 per month, or $240 per year. Here's a quick look into the details:
No Violation - Avg. Monthly Rate$114
Speeding ticket - Avg. Monthly Rate$137
$23 ▴
Avg. Monthly Rate Increase
Does Driving With a Suspended License Impact Car Insurance Rates in Hawaii?
According to an insurance company, a high-risk driver is a person who's more likely to file a claim than an average driver. You can put yourself on the list, or you can end up there by no fault of your own. How?
You earn a spot for the following mistakes: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. If you're a first-time driver, teenage driver, or driver age 65 or older, you're in the group—likewise if you have poor credit or no credit. As a Hawaiian, regardless of why you made the cut, you can still find reasonable insurance rates.
Tips for Researching High-Risk Hawaii Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Hawaii draws a wide variety of choices when factoring high-risk driving insurance rates.
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.
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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
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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.
Insurance Writer
Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.