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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? — table of contents:
- At-fault accidents
- Speeding
- Distracted driving
- Racing
- Reckless driving
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
| Location | With At-Fault Accident — Annual Rate | No At-Fault Accident — Annual Rate | Yearly 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% 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 Company | Annual Premium After an At-Fault Collision |
|---|---|
| GEICO | $1,005 |
| USAA | $1,064 |
| State Farm | $1,092 |
| Allstate | $1,658 |
| Progressive | $2,188 |
Find the cheapest car insurance in Hawaii!
What's the impact of a speeding ticket on car insurance in Hawaii?
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.
HAWAII CAR INSURANCE PRICES AFTER A TICKET FOR SPEEDING
| State | With a Speeding Ticket — Annual Rate | No Speeding Ticket — Annual Rate | Annual 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
| Company | Annual 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
| Location | With Distracted Driving — Annual Rate | No Distracted Driving — Annual Rate | Annual 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 Company | Annual Rate After Distracted Driving |
|---|---|
| GEICO | $765 |
| USAA | $870 |
| State Farm | $918 |
| Allstate | $1,324 |
| Progressive | $1,413 |
Compare quotes now and get insured today!
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
