UPDATED: AUGUST 07, 2023 | 3 MIN READ
Being a high-risk driver in Hawaii isn’t all bad news. In fact, you can expect to pay a little less than the national average for a policy when you’re considered high-risk. However, some companies do penalize drivers severely for traffic violations and offenses. If you’re involved in an at-fault accident, expect it to remain on your record for at least three years. Read on to find car insurance companies that offer the best and cheapest coverage for high-risk drivers in Hawaii.
Best car insurance companies for high-risk drivers in Hawaii
GEICO, State Farm, and USAA are three of the best car insurance companies for high-risk drivers in the state. Their insurance premiums offer competitive rates for those classified as high-risk drivers.
What is considered high-risk in Hawaii?
Car insurance companies in Hawaii consider the following to be high-risk. Take note that Hawaii’s insurance companies are not allowed to count your credit score when offering an insurance rate. Those with any of the following risk factors in Hawaii can expect to get charged higher insurance costs:
- DUI
- Speeding ticket
- Distracted driving
- Poor driving record
- At-fault accident
- Teen drivers
- Driving without the required insurance
Best insurance company after a distracted driving offense
GEICO, USAA, and State Farm are the three top auto insurance coverage companies offering competitive rates after a distracted driving offense.
Best insurance company after an at-fault accident
GEICO offers the cheapest car insurance after an at-fault accident.
Cheapest car insurance rates for high-risk drivers
The type of offense you have on your driving history will impact the cost of your insurance coverage. Hawaii high-risk drivers can find cheap car insurance rates with GEICO, State Farm, Progressive, and USAA. By shopping around, you can find cheap SR-22 insurance in Hawaii.
Cheapest car insurance rates after a speeding ticket
High-risk drivers in Hawaii can find full coverage with these three insurance companies. Their insurance rates are:
- GEICO: $787
- USAA: $910
- State Farm: $1,005
Cheapest car insurance rates after a distracted driving offense
These four insurance companies offer car insurance policies after a distracted driving offense. Their insurance rates are:
- GEICO: $765
- USAA: $870
- State Farm: $918
- Allstate: $1,324
In comparison, Progressive offers a car insurance premium for full coverage for a year at a price of $1,961.
Cheapest car insurance rates after an at-fault accident
These insurance companies offer the cheapest insurance rates to Hawaii’s drivers after an at-fault accident:
- GEICO: $1,005
- USAA: $1,064
- State Farm: $1,092
What are the motorist insurance laws in Hawaii
It’s illegal to drive uninsured in Hawaii. If you own a car in the state, the law required that its owner has minimum coverage of third-party liability car insurance. Hawaiian motorists need to have proof of auto insurance if asked. This is a state motor vehicle ID card.
What are the coverage limits in Hawaii?
Hawaiian drivers need to have the following coverage as a minimum level of insurance coverage:
- $40,000 in bodily injury coverage per accident
- $20,000 limit per person
- $10,000 in property damage coverage
How long does a traffic violation or citation take to leave my driving record in Hawaii?
Insurance providers in Hawaii look back at the last two to three years to see your driving record.
How does car insurance for high-risk drivers in Hawaii compare to the national average?
Hawaii compares favorably to the national average rates. For example, drivers in the state can expect to pay $1,660 after an at-fault accident. This is less than the national average of $2,012.
This works out similarly for a speeding ticket. Hawaiian drivers with speeding tickets can pay around $1,189 for full coverage. This is cheaper compared to the national average, with the same offense priced at $1,727.
FAQs
What is the best car insurance company in Hawaii for high-risk drivers?
GEICO is one of the best auto insurance companies in the state for high-risk drivers.
What do insurance companies consider high risk in Hawaii?
The following are considered high-risk in Hawaii:
- DUI
- Speeding ticket
- Distracted driving
- Poor driving record
- At-fault accident
- Teen drivers
Is Hawaii a no-fault car insurance state?
Yes, it’s a no-fault state.
What is the difference between high-risk and normal insurance in Hawaii?
If you’ve got any offense that the state considers a high-risk, then you will need to get high-risk motor insurance from one of the auto insurance companies. Normal insurance is for those without any offenses or traffic violations, or their offenses are not on their driving record.
What are the benefits of Hawaii’s high-risk car insurance?
Getting the right coverage for your driving needs and driving record helps to protect you if you’re in a car accident while classified as a high-risk driver. You can keep the cost of your auto insurance coverage’s cost down in Hawaii by shopping around, asking about discounts, and setting deductibles. However, the insurance cost will depend on the traffic violation and the insurance provider.
Finding Car Insurance For High-Risk Drivers In Hawaii
Being a high-risk driver in Hawaii doesn’t paint as gloomy a picture as it does in some other states. Hawaiian car insurance rates compare favorably to other states. In fact, drivers can expect to pay less than the national average for most traffic violations. Finding the right insurance agent can help you figure out what the best rates are for your situation. If you’re looking for high-risk auto insurance coverage, use our online quote tool to find a great rate.
