Learn the best ways to save on auto insurance if you have tickets or accidents on your record.
If you have caused a crash, filed an at-fault claim, or received a citation for a serious violation, you could be a good candidate for high-risk auto insurance. Auto insurance coverage for risky drivers is typically pricey, but the extra cost you receive depends on your insurance company, your driving record, and the state in which you live.
If you are deemed responsible for causing an auto collision, expect your auto insurance costs to go up. In Hawaii, the typical insurance premium following an at-fault crash is $1,660 compared to the nationwide average of $2,012. A major accident like an at-fault crash will remain on your insurance record for as long as three years!
|Location||With At-Fault Accident — Annual Rate||No At-Fault Accident — Annual Rate||Yearly Rate Increase|
The best insurer after an at-fault collision in Hawaii is GEICO. GEICO’s typical premium hike after a crash is $655, resulting in a total rate 39% less expensive than the average among all companies. If you've been at-fault in a collision in Hawaii, steer clear of Allstate and Progressive, which penalize at-fault drivers more severely.
|Insurance Company||Annual Premium After an At-Fault Collision|
Among the violations that most commonly earn drivers the "high-risk" tag is speeding. In Hawaii, insurance costs go up by $110 per year post-speeding ticket, to an average yearly rate of $1,189.
|State||With a Speeding Ticket — Annual Rate||No Speeding Ticket — Annual Rate||Annual Rate Increase|
The foolproof way to get affordable auto insurance after getting a ticket for speeding is to shop thoroughly and weigh the available options. The cheapest auto insurance after a speeding citation in Hawaii is available via GEICO. GEICO’s average rate after a citation is $402 less than the state average. If you are ticketed for speeding in Hawaii, Progressive might not be the most affordable option.
|Company||Annual Rate With a Speeding Citation|
If you are found guilty of distracted driving, one side effect will be increased car insurance rates. In Hawaii, car insurance rates typically increase by $128 annually. That comes out to a 12% increase from the usual annual premium in Hawaii, and 26% less than the U.S. mean cost of auto insurance after a distracted driving citation.
|Location||With Distracted Driving — Annual Rate||No Distracted Driving — Annual Rate||Annual Rate Increase|
The easiest way to find affordable car insurance after a distracted driving citation is to compare options from a variety of companies. The cheapest company after a ticket for distracted driving in Hawaii is GEICO, with a typical rate of just $765 per year, 37% lower than the average distracted driving insurance rate among top insurers.
|Insurance Company||Annual Rate After Distracted Driving|