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Who Has Cheap Auto Insurance for High Risk Drivers in Hawaii?

Enter your Hawaii zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 17, 2019

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You have surely seen all the captivating ads from insurers like Farmers and State Farm that make promises of the cheapest price. So drivers should just pick the one with the catchiest commercial, right?

Unfortunately, it’s just not that easy, as there are many unknown aspects like if you rent or own your home, the crime level of your neighborhood, and whether or not you are currently insured, that all have an effect on the price. If you keep reading, we will teach you about the different ways you can keep rates low and will hopefully give you a good start in finding the cheapest insurance in Hawaii.

The cost and performance of the vehicle that needs insurance is one of the largest considerations when comparison shopping for the best cheap coverage for high risk drivers. Vehicles with average performance, modern passenger safety features, or a low likelihood of having liability claims will cost substantially less to insure than high performance models. The lists below ranks auto insurance prices for the most budget-friendly vehicles to buy coverage for.

Auto Insurance Rates for Popular Cars in Hawaii
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $2,738 $1,369 $228
Ford Focus SES 2-Dr Coupe $3,068 $1,534 $256
Ford Fusion SEL AWD 4-Dr Sedan $3,016 $1,508 $251
Honda Accord EX-L 2-Dr Coupe $3,094 $1,547 $258
Honda Civic LX 4-Dr Sedan $2,808 $1,404 $234
Hyundai Elantra SE 4-Dr Sedan $2,836 $1,418 $236
Nissan Altima 3.5 SR 4-Dr Sedan $2,862 $1,431 $239
Toyota Corolla XRS $2,862 $1,431 $239
Volkswagen Jetta 2.0T Station Wagon $2,592 $1,296 $216
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Prices above based on single male driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in Hawaii location which can alter price quotes greatly.

Car Insurance Rates for Popular SUVs and Crossovers in Hawaii
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX Advance 4WD $2,890 $1,445 $241
Chevrolet Traverse LTZ 2WD $2,468 $1,234 $206
Ford Escape Limited 2WD $2,316 $1,158 $193
Ford Expedition SSV 2WD $2,316 $1,158 $193
Ford Explorer Eddie Bauer AWD $2,738 $1,369 $228
GMC Acadia SLE AWD $2,712 $1,356 $226
Honda CR-V LX 4WD $2,288 $1,144 $191
Honda Fit Sport VSA $2,226 $1,113 $186
Honda Pilot LX 2WD $2,586 $1,293 $216
Hyundai Tucson Limited 2WD $2,712 $1,356 $226
Jeep Grand Cherokee SRT-8 4WD $2,862 $1,431 $239
Subaru Forester X Premium AWP AWD $2,468 $1,234 $206
Toyota 4Runner SR/5 2WD $2,468 $1,234 $206
Toyota Highlander Limited 4WD $2,890 $1,445 $241
Toyota RAV4 4WD $2,712 $1,356 $226
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Data variables include single male driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Table data does not factor in your specific Hawaii location which can alter rates substantially.

Insurance Rates for Popular Pickup Trucks in Hawaii
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD $3,016 $1,508 $251
Chevrolet Silverado 3500HD LT Crew Cab 2WD $2,890 $1,445 $241
Chevrolet Silverado Crew Cab Hybrid 4WD $3,016 $1,508 $251
Dodge Ram Crew Cab Laramie 4WD $3,248 $1,624 $271
Ford F-150 Lariat Crew Cab Harley 4WD $2,890 $1,445 $241
Ford F-250 XLT Crew Cab 4WD $3,338 $1,669 $278
Ford F-350 Crew Cab King Ranch 4WD $3,788 $1,894 $316
GMC Sierra 3500HD SLE Regular Cab 4WD $3,464 $1,732 $289
GMC Sierra SLE Regular Cab 2WD $2,712 $1,356 $226
Toyota Tundra Regular Cab 2WD $2,790 $1,395 $233
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Price data assumes single male driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific location which can alter coverage rates considerably.

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For high risk drivers, one of the largest considerations that determine the policy price is where your home is located in Hawaii. Cities with larger populations or higher claim trends like Hilo, Ewa Gentry, and Royal Kunia tend to have higher rates, whereas areas with less congestion tend to receive slightly lower rates.

The illustration below sorts the higher priced cities in Hawaii for high risk drivers in which to buy car insurance.

Where does Hawaii rank for car insurance cost?
Rank City Annual Premium
1 Hilo $1,109
2 Kailua $1,094
3 Ewa Gentry $1,057
4 Waipahu $1,057
5 Royal Kunia $1,057
6 Ewa Beach $1,057
7 Honolulu $1,047
8 Nanakuli $1,047
9 Waianae $1,047
10 Wahiawa $1,036
11 Mililani Town $1,036
12 Schofield Barracks $1,036
13 Pearl City $1,036
14 Halawa $1,036
15 Kahului $1,026
16 Lahaina $1,026
17 Kaneohe $1,016
18 Mililani Mauka $1,016
19 Kihei $1,016
20 Kapolei $1,016
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Rates are estimated as the vehicle garaging location can increase or decrease rates greatly.

Selecting the highest-rated insurance company can be a challenge considering how many companies there are in Hawaii. The rank data in the next section could help you analyze which coverage providers you want to consider comparing price quotes from.

The ratings below only include companies who write in the majority of U.S. states, so smaller regional companies will not be included in this list. If you’d like to compare prices from these and other companies in Hawaii, follow this link.

Top Insurance Companies for High Risk Drivers
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Types of discounts on Hawaii car insurance rates

Cheaper Hawaii insurance for high risk driversInsurers that sell cheap car insurance for high risk drivers in Hawaii may provide special discounts that could potentially reduce rates by 30% or more if you qualify for them. Companies and a selection of discounts include:

  • Progressive may include discounts for good student, multi-policy, multi-vehicle, homeowner, online quote discount, and online signing.
  • GEICO may have discounts that include air bags, emergency military deployment, multi-vehicle, five-year accident-free, membership and employees, seat belt use, and good student.
  • State Farm offers premium reductions for student away at school, driver’s education, multiple policy, Drive Safe & Save, multiple autos, and anti-theft.
  • Esurance has discounts for defensive driver, claim free, anti-theft, good driver, paid-in-full, Switch & Save, and multi-policy.
  • The Hartford may offer discounts for anti-theft, bundle, driver training, air bag, defensive driver, and vehicle fuel type.

The diagram below shows the comparison of auto insurance rates with and without discounts being applied to the rates. The price estimates are based on a male driver, one accident and two traffic tickets, Hawaii state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with continuous coverage, anti-theft, vehicle safety, homeowner, paid-in-full, and marriage discounts applied. When these discounts are applied, the amount saved on insurance for high risk drivers is 28% or $512.

How violations and accidents impact rates

The common sense way to maintain affordable insurance premiums for high risk drivers is to drive cautiously and not receive tickets or have accidents. The diagram below demonstrates how citations and accidents impact insurance costs for different age categories. The data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

The chart shows that the average cost of auto insurance per year with no violations or accidents is $1,895. Receive two speeding tickets and the average cost surges to $2,512, an increase of $616 each year. Then add two accidents along with the two speeding tickets and the yearly cost of insurance for high risk drivers increases to an average of $4,769. That’s an increase of $2,874, or $239 per month, just for not being attentive to the road!

Low rates can quickly become overpriced

Hawaii insurance rates are based on many factors that can increase the cost of a policy. Simply turning a year older, buying a home instead of renting, or having a fender bender can trigger changes in premium resulting in some companies being cheaper than competitors.

Additionally, insurers file new rates every year to help ensure profitability. Higher than normal claims can cause rate hikes, while a better claims history can cause more affordable Hawaii car insurance rates.

To illustrate this point, the chart below demonstrates which company has the cheapest car insurance in Hawaii for a 30-year-old female driver with a clean driving record, no accidents, and a decent credit rating. If we compare prices based on her current risk profile, USAA might offer the cheapest car insurance rates in Hawaii at $926 a year. This is $670 less than the average rate paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive are the remaining cheapest Hawaii auto insurance companies.

Now let’s give the driver in the first chart an accident surcharge, a little lower credit rating, and a speeding citation. Since each insurance company has a different formula for setting prices, comparing insurance quotes may result in a different ranking of companies as shown below.

State Farm now has the cheapest insurance rate in Hawaii with USAA, GEICO, Allstate, and Liberty Mutual also being competitive. This demonstrates why it is so important to do a thorough rate comparison when trying to find the most budget-friendly auto insurance quotes for high risk drivers. Insurance rates can be altered by many factors and can change without notice, so the cheapest rate the last time you compared rates may now be an over-priced policy.

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