Cheap Car Insurance for High-Risk Drivers in Hawaii:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in Hawaii (2021)

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.

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
Average Monthly Cost
$114
$172
$165
$148
$137
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

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
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:

$114
$172
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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:

$114
$165
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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:

$114
$137
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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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Insurify Rate Comparison Methodology

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.