Drivers with multiple at-fault accidents, tickets or a DUI may have a challenging time finding low rates for car insurance. In addition, reckless or high-risk driving in Hawaii could lead to your license being suspended, restricted or revoked. Hawaii high-risk auto insurance is an alternative coverage when traditional vehicle insurance is no longer available or affordable.
High-risk car insurance rates in Hawaii
The cost of your Hawaii vehicle insurance depends on your driving record, vehicle and level of coverage, as well as some other various factors. Hawaii high-risk auto insurance is often more expensive than traditional coverage. Each auto insurance carrier has its own threshold of risk when pricing your vehicle insurance. One carrier may provide affordable insurance for a driver with speeding tickets but hike premiums sharply after an accident or claim.
Rates after a speeding ticket
Getting a speeding ticket could increase your auto insurance rates slightly or significantly, depending on the insurance carrier. While there is no formula to determine which insurance company will be cheaper after a speeding ticket, our review of quoted annual rates from Quadrant Information Services found that USAA, Island Auto and State Farm are the most affordable carriers, on average.
|Car insurance company||Hawaii average annual premium for full coverage before a speeding ticket||Hawaii average annual premium for full coverage after a speeding ticket||% difference|
One way to potentially avoid an increase in your insurance rates after a speeding ticket is completing an approved traffic school course. The eight-hour course can be completed online or in person.
Rates after an accident
In Hawaii, being held responsible for a car accident will increase your premiums more than a speeding ticket. However, high-risk auto insurance rates in Hawaii vary dramatically from one insurance company to the next.
|Car insurance company||Hawaii average annual premium for full coverage before an accident||Hawaii average annual premium for full coverage after an accident||% difference|
USAA car insurance may start out as the cheapest coverage for safe drivers, but a single accident could increase your premiums by an average of 20%. Meanwhile, Island Auto’s rates increase 31%, on average, after an accident. However, Geico rates increase an average of 15% after an accident.
Auto insurance rates after a DUI
Driving under the influence may be the most dangerous risk a driver could take both financially and safety-wise.
Here’s how getting a DUI in Hawaii can impact auto insurance rates.
|Car insurance company||Hawaii average annual premium for full coverage before a DUI||Hawaii average annual premium for full coverage after a DUI||% difference|
Drivers convicted of a DUI in Hawaii will also need to ask their insurance company to file a certificate of financial responsibility (SR-22) with the DMV to legally drive.
Insurance rates for teen drivers
Car insurance premiums for parents who add their teen drivers to their policies in Hawaii are not much higher than average, as Hawaii does not factor in age as a risk variable. Getting quotes from numerous carriers is the best way to find the cheapest car insurance.
Who is a high-risk driver?
Insurance companies consider drivers with a DUI conviction or with more than one accident or moving violation to be high-risk drivers. High-risk drivers come in all ages and experience levels. Teens are also often commonly considered to be high-risk drivers due to their lack of experience, although rates in Hawaii are not likely to be impacted by this specific issue.
Having tickets, accidents and DUI convictions on your driving record may mean that you are viewed as a high-risk driver. The more incidents you have on your record, the more likely it is that your licence will be suspended.
How to lower your rate if you’re a high-risk driver
High-risk drivers typically have limited carrier options and costlier premiums. One way to offset the high premiums is by finding ways to lower the cost of coverage:
- Compare multiple carriers to find the most affordable coverage based on your needs.
- Use as many discounts as possible, such as low mileage, student driver or multi-line discounts.
- Raise your comprehensive and collision deductibles to the highest amount you can afford.
As little as 5-10% in savings on your car insurance could translate to hundreds of dollars over time.
Frequently asked questions
What is an SR-22?
An SR-22 is a form filed by your insurance company with the DMV on your behalf. It’s a certificate of financial responsibility that confirms you have the minimum amount of car insurance required to drive.
I’m a high-risk driver. Do I need extra car insurance?
All Hawaii drivers are required to have liability insurance with minimums of $20,000 in bodily injury and death per person, $40,000 total per accident and $10,000 in property damage. $10,000 in personal injury protection (PIP) is also required. Uninsured and underinsured motorist coverages must be offered but can be declined in writing.
How do I avoid high-risk insurance in Hawaii?
Maintaining a clean driving record and avoiding lapses in coverage can help you avoid the need for high-risk car insurance. If you do find yourself needing high-risk insurance, rest assured that it may only be for a short period of time. If you avoid further incidents on your driving record, you may be able to return to traditional coverage within three to five years.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.