Best Cheap Car Insurance Companies for High-Risk Drivers in Hawaii

An insurance company will charge you more for auto insurance if it identifies you as a high-risk driver due to your age or a traffic violation on your record. Nevertheless, you can secure the best and cheapest car insurance for your needs if you shop around and compare costs across providers.

MoneyGeek’s top pick for the best high-risk driver insurer in Hawaii is State Farm, with an average cost of $936 a year, which is the most affordable.

Insurance providers anticipate paying more claims for high-risk drivers than those with a clean record. If you have a serious offense on your record, such as a reckless driving violation, your insurer will charge you a higher rate to compensate for the risk of a claim. Young drivers also pay exorbitant premiums for car insurance since the possibility of filing a claim is higher due to inexperience.

High-risk drivers in Hawaii pay about 43% more for car insurance than clean-record drivers.

State Farm is the most affordable car insurance provider in Hawaii for high-risk drivers. The insurer has an annual average rate of $936.

You can read more about State Farm by checking out MoneyGeek’s review with details like the coverage options and discounts available.

MoneyGeek discovered that the best car insurance carrier in Hawaii for high-risk drivers is State Farm, scoring 97 out of 100 on our ranking system.

MoneyGeek’s State Farm review provides additional details about the rates, discounts and coverage options associated with the insurer.

We found that the second-best carrier in the state is GEICO, scoring 71 out of 100. You can read GEICO’s car insurance review to find out why it ranked among the best providers in Hawaii.

State Farm is MoneyGeek’s top selection for providing cheap car insurance for drivers with a DUI in Hawaii. The average annual rate is $911. MoneyGeek’s State Farm review lists its discounts and coverage options.

Current and former military members may also get cheap high-risk auto insurance in Hawaii from USAA, which is often a great option for eligible customers.

In Hawaii, GEICO offers the best auto insurance rates for teenage drivers, charging around $985 per year on average. Actual costs may be higher or lower than this average, depending on other factors considered and the age of the teen or student.

Discover more about the insurer in our GEICO auto insurance review.

Commonly, insurance providers use your driving history and many other individual-specific attributes to calculate your annual auto insurance costs. High-risk drivers often pay more to get the same coverage as a clean-record driver.

For instance, Hawaiian high-risk drivers pay an average of $2,038 per year for auto insurance. That is more than $900 per year over what drivers with clean records pay.

You can estimate the cost of a policy in Hawaii by getting a personalized high-risk car insurance quote using MoneyGeek’s Hawaii car insurance calculator. All you need to get a quote customized for you are details like your coverage needs, car type and violation history.

Our calculator tool also assists drivers in determining the factors with the most influence on their rate.

Auto insurance is a voluntary market; insurers may decide to offer you insurance or not. In case your driving record does not allow you to get insurance from private companies, you may consider getting residual market insurance. Residual market policies are available through the Automobile Insurance Plan Service Office (AIPSO), a non-profit group that handles residual market policy plans nationwide.

AIPSO maintains a database with residual market auto insurance plans for states. Drivers in Hawaii can use the Hawaii Joint Underwriting Plan (HJUP) to get residual market insurance if they cannot secure coverage from the voluntary market due to traffic violations/convictions.

The plan offers risk-pooling services to all Hawaii motor vehicle insurance providers. Policies on the residual market meet the state requirements, although they may cost more than regular auto insurance coverage. Hawaiian residents may apply through insurance agents in their locality.

MoneyGeek answered some common questions about auto insurance for high-risk drivers in Hawaii to help you secure it based on your needs.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.