Cheapest car insurance for drivers with an incident
Driving incidents such as speeding tickets, driving under the influence, and at-fault accidents can cause your insurance premiums to go up. Insurance companies will typically charge you more because they see you as a higher level of risk. If you want to find cheap auto insurance in Hawaii, try to keep a clean driving record.
Cheapest car insurance for drivers with a speeding ticket
While you might find yourself going over the speed limit when you’re running late to a meeting or appointment, a speeding ticket or two on your record can cause your insurance to go up. Speeding indicates risk to insurers, and for good reason. Speeding has been involved in approximately 33% of all motor vehicle fatalities over the last few decades, according to National Highway Traffic Safety Administration (NHTSA) data.[3]
The table below compares the cost of liability insurance for drivers with clean driving records versus drivers with a speeding ticket in Hawaii.
Insurance Company | Clean Driving Record | With Speeding Ticket |
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State Farm | $40 | $56 |
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Allstate | $43 | $61 |
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Midvale Home & Auto | $68 | $104 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
If you cause an accident and have to make a claim, you can expect your insurance premiums to go up. The amount your insurance increases can vary between insurers but typically stays on your premium for three years.[4]
The following table shows the cost of minimum coverage from different companies for drivers with a clean driving record versus drivers with an accident.
Insurance Company | Clean Driving Record | With Accident |
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State Farm | $40 | $59 |
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Allstate | $43 | $64 |
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Midvale Home & Auto | $68 | $90 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
In Hawaii, a DUI can stay on your record for up to five years and cause your insurance premiums to rise. Some insurance companies might choose not to renew your policy if you get a DUI.
In addition to increased insurance premiums, your first DUI in Hawaii can also result in:[5]
72 hours of community service
Two to five days of imprisonment
Fine of $250 to $1,000
14-hour rehabilitation program
License revoked for one year
The table below compares different liability-only insurance rates for drivers with a clean driving record and drivers with a DUI.
Insurance Company | Clean Driving Record | With DUI |
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State Farm | $40 | $67 |
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Allstate | $43 | $73 |
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Midvale Home & Auto | $68 | $127 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.