Car Insurance for Bad Drivers in Hawaii

The Zebra
Jan. 2, 2019

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.


What goes into car insurance rates for high-risk drivers in Hawaii:

  1. At-fault accidents
  2. Speeding
  3. Distracted driving
  4. Racing
  5. Reckless driving
  6. View Hawaii driving laws

Find affordable car insurance as a high-risk driver!

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Auto insurance after an at-fault collision in Hawaii


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!


HAWAII CAR INSURANCE RATES AFTER AN AT-FAULT ACCIDENT
LocationWith At-Fault Accident — Annual RateNo At-Fault Accident — Annual RateYearly Rate Increase
Hawaii$1,660$1,079$581
National Average$2,012$1,397$615

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 percent 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.


CAR INSURANCE PREMIUMS AFTER AN AT-FAULT COLLISION IN HAWAII — AFFORDABLE PROVIDERS
Insurance CompanyAnnual Premium After an At-Fault Collision
GEICO$1,005
USAA$1,064
State Farm$1,092
Allstate$1,658
Progressive$2,188


What's the impact of a speeding ticket on car insurance in Hawaii?


Among the violations that most commonly earns 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.


HAWAII CAR INSURANCE PRICES AFTER A TICKET FOR SPEEDING
StateWith a Speeding Ticket — Annual RateNo Speeding Ticket — Annual RateAnnual Rate Increase
Hawaii$1,189$1,079$110
National Average$1,727$1,397$330

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.


CAR INSURANCE PRICES AFTER SPEEDING IN HAWAII — CHEAP PROVIDERS
CompanyAnnual Rate With a Speeding Citation
GEICO$787
USAA$910
State Farm$1,005
Allstate$1,545
Progressive$1,961


How does a distracted driving ticket impact car insurance prices in Hawaii?


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.


HAWAII CAR INSURANCE RATES WITH A DISTRACTED DRIVING TICKET
LocationWith Distracted Driving — Annual RateNo Distracted Driving — Annual RateAnnual Rate Increase
Hawaii$1,207$1,079$128
National Average$1,570$1,397$173

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.


AUTO INSURANCE RATES AFTER DISTRACTED DRIVING IN HAWAII — CHEAP CARRIERS
Insurance CompanyAnnual Rate After Distracted Driving
GEICO$765
USAA$870
State Farm$918
Allstate$1,324
Progressive$1,413

Compare rates now!

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How does a citation for racing impact Hawaii car insurance rates?


Racing is considered an extremely serious infraction. Car insurance companies frequently penalize racing citations severely — in fact, Hawaii car insurance rates increase by an average of $1,264 per year following a ticket for racing. That's a 117% increase from the average annual car insurance premium in Hawaii!


LocationWith a Racing Citation — Annual RateNo Racing Citation — Annual RateAnnual Rate Increase
Hawaii$2,343$1,079$1,264
National Average$2,397$1,397$1,000

If you have been pulled over for racing, do your due diligence and shop around for the best rates. In Hawaii, start your search by checking out State Farm, with rates 57 percent less than the state average after a racing violation.


CAR INSURANCE RATES AFTER A TICKET FOR RACING IN HAWAII — CHEAPEST CARRIERS
Insurance CompanyAnnual Rate After Racing
State Farm$1,005
USAA$1,627
Farmers$2,046
Progressive$2,460
Allstate$3,402


Will a reckless driving ticket raise my auto insurance rates in Hawaii?


As one of the most serious moving violations, reckless driving is a surefire way to pay more for auto insurance. Auto insurance companies increase premiums by an average of $4,292 per year after reckless driving. That amounts to 398% more than than the typical insurance rate in Hawaii, and 457% less than the national average penalty for a reckless driving violation.


HAWAII CAR INSURANCE RATES WITH A RECKLESS DRIVING CITATION
LocationWith Reckless Driving — Annual RateNo Reckless Driving — Annual RateYearly Rate Increase
Hawaii$5,371$1,079$4,292
National Average$2,395$1,397$998

If you're ticketed for reckless driving, compare insurance companies to get the most affordable rate. In Hawaii, the most budget-friendly insurance company with a reckless driving ticket is State Farm.


AUTO INSURANCE PREMIUMS AFTER A TICKET FOR RECKLESS DRIVING IN HAWAII — CHEAPEST PROVIDERS
Insurance CompanyAnnual Rate With Reckless Driving
State Farm$1,005
USAA$1,286
Progressive$2,460
GEICO$3,181
Allstate$3,402

If you're looking for auto insurance as a high-risk driver, the best thing to do is to do your research and find an affordable policy.