Who Has the Cheapest Car Insurance for High Risk Drivers in Hawaii?

Everyone has different tastes in autos, and the style of vehicle that is being insured is one of the primary factors when shopping for low-priced auto insurance for high risk drivers. Vehicles with reasonable performance levels, modern passenger safety features, or low incidents of liability claims will cost less to insure than adrenaline junky models.

The next tables showcases insurance costs for a selection of the more afforable automobiles to buy insurance for.

Above prices assume married male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Table data does not factor in specific Hawaii garaging location which can affect rates noticeably.

Data assumes married male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in your specific Hawaii location which can impact coverage rates noticeably.

Price data assumes married male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Price information does not factor in your specific Hawaii location which can raise or lower coverage rates noticeably.

When shopping for insurance for high risk drivers, one of the many criteria that impact the price you pay for insurance is the neighborhood you call home in Hawaii. More densely populated places like Hilo, Ewa Gentry, and Waimalu tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The following table rates the most costly cities in Hawaii for high risk drivers in which to buy car insurance.

Rate information is comparative as the garaging address in Hawaii can raise or lower coverage prices significantly.

Finding out which insurers offer the lowest-priced auto insurance rates for high risk drivers takes more time in order to find the best price.

Every auto insurer has their own guidelines for determining rates in each state, so we’ll go over the most affordable auto insurance companies in Hawaii. Keep in mind that Hawaii auto insurance rates are impacted by many things that can increase the policy price. Improving your credit rating, getting married, or getting a reckless driving citation may generate price changes that can now make some companies cheaper than competitors.

Find the Cheapest Auto Insurance for Risky Drivers

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google.charts.setOnLoadCallback(drawHIT5qcibChart);function drawHIT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 964, ‘#33CFCA’], [‘State Farm’, 1087, ‘#2AACA8’], [‘GEICO’, 1376, ‘#238F8C’], [‘Liberty Mutual’, 1464, ‘#1D7774’], [‘Progressive’, 1560, ‘#186360’]]);var options = {title: ‘Top Five Cheap Car Insurance Companies in Hawaii’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1660,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA offers some of the lowest car insurance rates in Hawaii at around $964 a year. State Farm, GEICO, Liberty Mutual, and Progressive would also make the list of some of the best Hawaii insurance companies.

As the rates illustrate above, if you are a policyholder with Liberty Mutual and switched to State Farm, you could earn a yearly savings of in the vicinity of $377. Customers with Progressive may save as much as $473 a year, and Allstate customers might lower prices by $839 a year.

Bear in mind that those premium estimates are averaged across all insureds and vehicles and and are not figured with a rate increase for high risk drivers. So the auto insurance company that fits you best may not even be in the above list. That points out the importance of why you need to get rate quotes using your own driver information and specific vehicle type.

Selecting the right car insurance company can be challenging considering how many different insurance companies sell coverage in Hawaii. The rank data in the lists below may help you decide which auto insurance companies you want to consider comparing price quotes from.

These ratings are only made up of companies with a national presence, so smaller companies that only insure vehicles in Hawaii are not factored into these rankings. To compare price quotes and find cheaper insurance for high risk drivers, just click here.

Top 10 Large Auto Insurers in Hawaii Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. State Farm – 90%
4. Nationwide – 90%
5. The Hartford – 89%
6. GEICO – 89%
7. Liberty Mutual – 88%
8. Allstate – 88%
9. Esurance – 87%
10. Progressive – 87%

Top 10 Large Auto Insurers Overall in Hawaii

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. Progressive
8. Allstate
9. Nationwide
10. Liberty Mutual

How to get discounts on Hawaii insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-high-risk-drivers-hi.jpg" alt="Cheaper Hawaii auto insurance for high risk drivers”/>Insurance companies that offer the cheapest car insurance for high risk drivers in Hawaii may also provide discounts that could lower prices by as much as 40% or more if you qualify for them. Large auto insurance companies and some of their more popular discounts are:

The diagram below illustrates the difference between insurance premiums with and without some available policy discounts. The data is based on a male driver, one at-fault accident and one violation, Hawaii state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, marriage, vehicle safety, paid-in-full, passive restraint, and anti-theft discounts applied. When drivers qualify for the discounts, the the average yearly reduction on auto insurance for high risk drivers is 17% or $193.

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How to find the cheapest auto insurance for high risk drivers

The list below summarizes a few money-saving ideas that can help Hawaii drivers locate the cheapest coverage.

• Be a cautious driver
• If your vehicles are older, consider dropping full coverage
• Buying your home and auto policies from the same company can earn a discount
• Prevent price hikes by avoiding at-fault accidents
• Try to remain claim-free
• Choose a safer vehicle and pay lower rates
• Compare rates regularly to ensure the best deal

That last tip is notably vital, as we noted in this write-up. Insurance rates change frequently, so drivers shouldn’t hesitate to buy from a different company if a more affordable price is available.

Many drivers prefer to stick with one company, but it’s not a great idea if that inflexibility results in costing you a lot of money every month. Now is a great time to compare rates and find cheaper car insurance for high risk drivers.