Hawaii Auto Insurance with Bad Credit

The Zebra
March 12, 2019

It can be tough to find affordable auto insurance if you have bad credit. Car insurers utilize credit history as a major rating factor, assigning their premiums based partially on clients' credit scores. Because auto insurers use historical data that show drivers with low credit scores are more likely to file car insurance claims, the companies compensate for the additional risk by assigning expensive rates.

Car insurance rates with bad credit depends on which company you choose, where you live, and many other rating factors. See below typical insurance prices for drivers with bad credit in major Hawaii cities, alongside rates from large car insurance companies, followed by tips to save on car insurance if you have bad credit in Hawaii.


Car insurance with bad credit in Hawaii:

  1. Average premiums
  2. Prices by city
  3. Rates by carrier

Car insurance rates with bad credit in Hawaii

Hawaii drivers face a penalty of $96 per year for having a credit score at the low end of the scale. A driver in the "poor" or "below fair to poor" credit tiers will also pay more than average for a car insurance policy.


HAWAII CAR INSURANCE PRICES WITH BAD CREDIT

Credit TierAverage Annual Rate in Hawaii
Worst$1,175
Poor$1,175
Below Fair to Poor$1,175
Average — All Credit Tiers$1,079

Paying too much for insurance? Get quotes today!

Compare rates from top car insurance companies.


Auto insurance rates with bad credit in Hawaii cities

Car insurance rates can also fluctuate based on the precise area in which you live. Car insurance companies use your address to estimate how likely you are to file a claim: the more claim-prone your area,, the more you'll pay for insurance.

We've listed major Hawaii cities and their average car insurance rates for drivers with low credit scores.


BAD CREDIT CAR INSURANCE RATES IN HAWAII CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Honolulu$1,172$1,172$1,172
Pearl City$1,168$1,168$1,168
Hilo$1,287$1,287$1,287
Kailua$1,168$1,168$1,168
Waipahu000

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Compare rates from top car insurance companies.


Car insurance companies for bad credit in Hawaii

Another contributing factor to your premium is the insurer you select. Each and every auto insurance company rates its policies differently, giving rating factors varying weights in their calculations. Credit score can be a primary differentiator in price between insurance companies. In Hawaii, the most affordable insurance company for a driver with bad credit is GEICO, which offers a discount of $137 per year over the second-cheapest company, USAA.

See below prices from leading car insurance companies in Hawaii for drivers with bad credit.


HAWAII CAR INSURANCE RATES WITH BAD CREDIT — POPULAR COMPANIES

CompanyAverage Annual Rate — Worst Credit
GEICO$755
USAA$892
State Farm$925
Allstate$1,106
Progressive$1,461

If you’re facing the prospect of buying car insurance with a bad credit history, remember these tips:

  1. Get car insurance quotes
  2. Know when — and when not — to file a claim
  3. Know what goes into car insurance rates

Compare rates from top car insurance companies.