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Best & CheapestAuto InsuranceHigh-RiskBest Cheap Car Insurance Companies for High-Risk Drivers in Hawaii
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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.
Best & CheapestAuto InsuranceHigh-RiskBest Companies for High-Risk Drivers in 2023
Cheapest for High-Risk Drivers - Allstate
Best for High-Risk Drivers - State Farm
Cheapest After a DUI - State Farm
Cheapest for Teen Drivers - Allstate
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.
WHAT EXACTLY IS A HIGH-RISK DRIVER?
Car insurance companies utilize varying guidelines when determining high-risk drivers. The primary factor is a history of traffic offenses like speeding tickets or a DUI. However, young drivers and drivers with sports cars are also seen as risky to insure due to the likelihood of filing claims.
In a nutshell, Hawaii insurers term the following drivers as high-risk:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Drivers who drive sports cars or participate in drag racing
Cheapest Car Insurance in Hawaii for High-Risk 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.
SR-22 INSURANCE
Driving in Hawaii without proof of insurance or getting charged with a serious traffic violation like a DUI or reckless driving will require you to get SR-22 insurance, which proves that your car insurance policy has the state’s minimum requirements.
SR-22 insurance features higher costs than ordinary auto insurance — your car insurance rate will increase significantly.
Best Car Insurance in Hawaii for High-Risk Drivers
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.
1
State FarmBest for High-Risk Drivers
Score:96
With an average annual rate of $936, State Farm is the most affordable auto insurance provider in Hawaii for high-risk drivers. They pay around 11% more on their premium compared to non-risky drivers.
More About State Farm
State Farm has the most affordable high-risk auto insurance in Hawaii and offers many discounts that may lower the cost, such as good student, anti-theft system and airbags. Policyholders can also add rideshare insurance and/or roadside assistance to their policy.
But State Farm does not have common coverage options like accident forgiveness, better car replacement and gap insurance.
2
State Farm
Score:96
With an average annual rate of $936, State Farm is the most affordable auto insurance provider in Hawaii for high-risk drivers. They pay around 11% more on their premium compared to non-risky drivers.
More About State Farm
State Farm has the most affordable high-risk auto insurance in Hawaii and offers many discounts that may lower the cost, such as good student, anti-theft system and airbags. Policyholders can also add rideshare insurance and/or roadside assistance to their policy.
But State Farm does not have common coverage options like accident forgiveness, better car replacement and gap insurance.
3
GEICO
Score:51
GEICO’s average annual cost of $1,942 is more than double what State Farm charges for a high-risk driver in Hawaii, although it is the second lowest rate in the state. The premium is around 67% higher than what clean-record drivers pay.
More About GEICO
GEICO policyholders may purchase rental car reimbursement, roadside assistance and mechanical breakdown insurance as additional coverage options.
They may also qualify for discounts for having an anti-theft system, airbags in their car or insuring multiple vehicles. But new car and better car replacement add-on coverage options are unavailable.
4
GEICO
Score:51
GEICO’s average annual cost of $1,942 is more than double what State Farm charges for a high-risk driver in Hawaii, although it is the second lowest rate in the state. The premium is around 67% higher than what clean-record drivers pay.
More About GEICO
GEICO policyholders may purchase rental car reimbursement, roadside assistance and mechanical breakdown insurance as additional coverage options.
They may also qualify for discounts for having an anti-theft system, airbags in their car or insuring multiple vehicles. But new car and better car replacement add-on coverage options are unavailable.
MONEYGEEK EXPERT TIP
When selecting the best car insurance for your high-risk driver profile, avoid the temptation of choosing cost over quality. Compromising quality to keep the price low may cost you more if the company fails to pay claims quickly. By getting personalized quotes, you may find the best low-income auto insurance in Hawaii that suits your needs.
Cheapest Car Insurance in Hawaii for Drivers With a DUI
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.
LOOK-BACK PERIODS
The look-back period is the span within which a DUI is on your driving record. That time frame varies by state, although it is usually long enough to allow repeat offenders to get identified for sentencing. The look-back period in Hawaii is 10 years.
Cheapest Car Insurance in Hawaii for Teenage Drivers
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.
MONEYGEEK EXPERT TIP
Although minimum coverage car insurance has the lowest rate, it may not be ideal for teen drivers since they are inexperienced and are more likely to be involved in an accident. MoneyGeek recommends full coverage car insurance for young drivers since it offers comprehensive coverage despite costing more. Comparing prices across insurers ensures you secure the most affordable car insurance for teen and student drivers in Hawaii.
How Much Does Car Insurance Cost for High-Risk Drivers in Hawaii?
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.
Annual Car Insurance Cost in HI for Low-Risk vs. High-Risk Drivers
Annual Premium
Low-Risk Driver
$1,112Annual Premium
High-Risk Driver
$2,124In Hawaii, high-risk drivers pay:$1,012 more
This is 91% more expensive.
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.
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Can You Still Get Car Insurance in Hawaii if Insurers Refuse to Insure You?
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.
Hawaii Automobile Insurance Plan
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.
Office Hours
Monday–Friday, 6 a.m.–4:30 p.m. Hawaii Standard Time (HST)
Email
hjup@aipso.com
Phone
(877) 622-4776
Fax
(866) 253-4235
Mailing Address
Hawaii JUP, P.O. Box 6530, Providence, RI 02940-6530
Auto Insurance
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Frequently Asked Questions
MoneyGeek answered some common questions about auto insurance for high-risk drivers in Hawaii to help you secure it based on your needs.
Methodology
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.
About Mark Fitzpatrick
sources
- AIPSO. "AIPSO’s Value to the Insurance Industry." Accessed September 16, 2022.
- AIPSO. "Hawaii Joint Underwriting Plan." Accessed September 16, 2022.
- Responsibility.org. "State Law: DUI Look-Back Periods." Accessed September 16, 2022.